1. A computer readable medium having instructions stored thereon that, when executed by a processor, cause the processor to process transactions, the processing comprising: in response to a first transaction using a first financial instrument, receiving an identity of the first financial instrument, wherein the first transaction comprises a purchase of one or more first items from a first retailer; creating a first anonymous account that corresponds to the first financial instrument; storing first line level data associated with the first transaction in the first anonymous account, wherein the first line level data comprises a description of the one or more first items; and in response to a second transaction using the first financial instrument, storing second line level data associated with the second transaction in the first anonymous account; wherein the second transaction comprises a purchase of one or more second items, and the second line level data comprises a description of the one or more second items.