Merchant-funded cashback and card-transaction attribution byproduct data

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Merchant-funded cashback and card-transaction attribution byproduct data. The platform sits inside bank apps via a REST API and rewards verified card purchases, so every qualifying purchase yields a verified transaction record tied to a specific merchant campaign, issuing bank, reward currency and customer. Accumulated byproduct: campaign-attributed spend per merchant with confirmed incremental effect, since merchants pay only on verified transactions and each row is therefore a proven conversion; cross-bank customer segmentation; competitor and category share within a market; churn signals; and reward-elasticity data on what cashback or points rate actually shifts card spend.