Abstract: In some examples, a system for determining a level of self-image congruence comprises at least one processor and a memory storing instructions which, when executed by the at least one processor among the processors, cause the system to perform operations comprising, at least: selecting one or more self-image attributes that align with a brand-user image; defining each of the selected self-image attributes via a type of subject matter that is of interest to consumers identifying with the selected attributes; identify consumers exhibiting one or more of the selected attributes based on a digital footprint including an online content consumption; computing a congruence score for each identified consumer relative to each selected attribute; and rating the resulting set of consumers based on their respective congruence scores for the selected attributes.

Abstract: In some examples, a system for determining a level of self-image congruence comprises at least one processor and a memory storing instructions which, when executed by the at least one processor among the processors, cause the system to perform operations comprising, at least: selecting one or more self-image attributes that align with a brand-user image; defining each of the selected self-image attributes via a type of subject matter that is of interest to consumers identifying with the selected attributes; identify consumers exhibiting one or more of the selected attributes based on a digital footprint including an online content consumption; computing a congruence score for each identified consumer relative to each selected attribute; and rating the resulting set of consumers based on their respective congruence scores for the selected attributes.

Abstract: The system and method of the present invention provides customers with real-time information in order to evaluate future consumer spending capacity. The present invention can help to identify situations beyond traditional credit metrics to determine change of circumstances for end-consumers. The system allows for selection of consumers based on data trends and learned industry risk and behavior indicators.

Abstract: A computer-implemented method for sending email messages with dynamically-determined content, the method comprising: transmitting email messages to a plurality of recipient groups each comprising at least one recipients, each message comprising one or more dynamic content network references associated with dynamically-selected content items; receiving, by a network-connected server, a dynamic content network request responsive to the rendering of one of said dynamic content network references within an email message received by a recipient device, the dynamic content network request comprising one or more content selection criteria, the content selection criteria comprising an embedded user identifier uniquely associated with a user to whom an email among the email messages was transmitted; dynamically selecting a content item from amongst a plurality of candidate content items based at least in part on the content selection criteria and the recipient's recipient group; implementing an exclusion service by cr