Systems and computerized methods for determining patterns in user activity such that user contextual information can be provided based on the patterns. Historic data associated with a first user is received and entity information is determined based on the historic data. Current location data associated with the first user is received and prediction information is generated based on a combination of the entity information and the current location data for a current time period. Contextual insight information is determined based on a combination of the prediction information with at least one of the current location data, real time data, and contextual data, the contextual insight information including a recommendation of at least one of an activity, a purchase, and an accessory associated with the current location of the first user.