Patent attributes
A financial institution computing system includes a network interface structured to communicate data over a network, a user database configured to store information to a plurality of users, and a processing circuit comprising a processor and a memory. The memory is structured to store instructions that are executable by the processor and cause the processor to retrieve a user transaction history associated with the user payment account from the user database, determine a baseline level of user spending based on the user transaction history, receive, by the network interface, user activity information pertaining to the user, determine that the received user activity information is indicative of a predetermined level of user spending relative to a baseline level of user spending, and transmit, by the network interface, an alert to a user computing device associated with the user responsive to the determination.