Abstract: In a method for estimating probability of purchase, a dataset of financial transactions is received. Values are determined for variables for each of the individuals of the dataset. An average time between purchases of a particular category is determined based on the dataset. The determined average time is correlated with the determined values. A table or function is produced for estimating probabilities of purchase within windows of time of the particular category based on the correlation. A subject is identified. Values are determined for the variables for the subject, based on the dataset. The produced table or function and the determined values are used to estimate a probability of purchase within the windows of time for the particular category for the subject.

Abstract: A system for managing generation of an electronic coupon (eCoupon) includes a terminal configured to process a credit/debit card to determine a card number of the credit/debit card; and computer server configured to generate a plurality of transactions from a pool of credit/debit card data, perform sequence pattern mining on the transactions to determine a sequence likely to result in an amount of spending in a pre-defined spending category within a subsequent period of time that exceeds a pre-defined spend threshold, receive the card number across a computer network from the terminal, and generate the eCoupon when existing purchases by the card number include the sequence.