1. A system comprising: a server on a network, the server including a memory, a processor, and a logic stored on the memory, the logic including computer-readable instructions that when executed by the processor cause the processor to perform operations including: receiving a transaction record from at least one of a mobile device associated with a user or a point-of-sale (POS) terminal, the transaction record being generated as a result of a transaction involving at least the POS terminal, the transaction record including a plurality of attributes, and determining a category for the transaction record based in part on the plurality of attributes, wherein the transaction record is stored according to the determined category within a profile associated with the user.