Abstract: A system and machine-implemented method for determining and recommending a deal construct specifying a card-linked offer to cardholders is provided. A deal construct for a card-linked offer deal may be determined based on historical data from previously executed card-linked offer deals and selected deal construct parameters. A predictive model based on performance of card-linked offer deals for similar businesses may be used to determine an optimal range of deal constructs to be offered to an advertiser.

Abstract: Systems and methods for providing digital incentives or financial offsets including the steps of: providing a financial platform operable on a server computer and at least one database in electronic, digital communication over a network, the financial platform operable for financial services transactions; providing a database of profile data for the at least one user; developing a digital incentive program for stimulating financial transactions by at least one user, the digital incentive program including profile factors from the profile data of the at least one user; automatically providing at least one digital incentive to corresponding of the at least one user, the at least one digital incentive available for a redemption by each of the users, wherein the digital incentive has an electronic financial transaction value available for the redemption on any electronic financial transaction media, and wherein the redemption of the electronic financial transaction value of the digital incentive does not occur at