Abstract: A system can perform certain acts. The acts can include determining score values to identify a plurality of target customers associated with a plurality of potential offers. The acts can include receiving bids from the plurality of target customers for the plurality of potential offers. The acts can include performing an iterative process for each respective target customer of the plurality of target customers to take turns to submit a respective bid for each respective potential offer of the plurality of potential offers associated with the respective target customer. The acts can include determining a respective final bid for each of the plurality of potential offers such that an aggregate value for the plurality of target customers that can be maximized across the plurality of potential offers. The acts can include sending instructions to deliver the plurality of offers to at least a portion of the plurality of target customers.

Abstract: In different embodiments of the present invention, systems, methods, and computer-readable storage media may be used to provide for a substitute coupon to a customer to replace a digital coupon that has been denied.

Abstract: In different embodiments of the present invention, systems, methods, and computer-readable storage media related to an application for a credit card for a target customer. A credit card application is prepared based on information associated with the target customer. If the credit card application is denied, then either (1) a request for reconsideration or (2) an override is prepared based on an established purchasing power indicator associated with the customer.

Abstract: Systems, methods, and computer-readable storage media are provided that allow orders to be made remotely by customers and classify a product or category of products based on a customer's purchasing history of that product and generate a message to the customer based on the classification.

Abstract: A system can perform certain acts. The acts can include determining score values to identify a plurality of target customers associated with a plurality of potential offers. The acts can include receiving bids from the plurality of target customers for the plurality of potential offers. The acts can include performing an iterative process for each respective target customer of the plurality of target customers to take turns to submit a respective bid for each respective potential offer of the plurality of potential offers associated with the respective target customer. The acts can include determining a respective final bid for each of the plurality of potential offers such that an aggregate value for the plurality of target customers that can be maximized across the plurality of potential offers. The acts can include sending instructions to deliver the plurality of offers to at least a portion of the plurality of target customers.

Abstract: Techniques for generating offers to a plurality of target customers are disclosed. Each offer has an associated score value for each target customer. The techniques, including an iterative process, assign to the target customers based on the score value assigned to, and a current value to, the respective target customer. The assigned offers may then be generated and delivered to the respective target customers.

Abstract: Systems, methods, and computer-readable storage media are provided that allow orders to be made remotely by customers and classify a product or category of products based on a customer's purchasing history of that product and generate a message to the customer based on the classification.

Abstract: In different embodiments of the present invention, systems, methods, and computer-readable storage media may be used to provide for a substitute coupon to a customer to replace a digital coupon that has been denied.

Abstract: Techniques for generating offers to a plurality of target customers are disclosed. Each offer has an associated score value for each target customer. The techniques, including an iterative process, assign to the target customers based on the score value assigned to, and a current value to, the respective target customer. The assigned offers may then be generated and delivered to the respective target customers.

Abstract: In different embodiments of the present invention, systems, methods, and computer-readable storage media establishes a predicted credit score for a target customer that does not have an established credit history and/or a FICO credit score is provided. An indicator of the purchasing power of the target customer is established as a function of stored purchasing data. A machine learning model is used to establish a predicted credit score associated with the target customer as a function of the purchasing power indicator of the target customer and the machine learning model.

Abstract: In different embodiments of the present invention, systems, methods, and computer-readable storage media related to an application for a credit card for a target customer. A credit card application is prepared based on information associated with the target customer. If the credit card application is denied, then either (1) a request for reconsideration or (2) an override is prepared based on an established purchasing power indicator associated with the customer.