Abstract: In an embodiment, a method comprises receiving an indication that a user selected social network data that is displayed, on a client device, concurrently with offer data that indicates a coupon offer; wherein prior to receiving the indication, the user of the client device is incapable of accessing the coupon offer; in response to receiving the indication that the user selected the social network data, allowing the user to access the coupon offer, and causing a message to be sent to each user of a plurality of users that are identified, in a social network, as connected to the user, wherein the message includes data about the coupon offer or a coupon provider that initiated the coupon offer; wherein the method is performed by one or more computing devices.

Abstract: Methods and systems are disclosed for issuing, evaluating, and monitoring offers and incentives linked to various consumer financial accounts. Financial service account providers, merchants, card-linked offer providers, and/or service providers may collect transaction information relating to the redemption of card-linked offers. From the data, informative metrics may be determined relating to the offer, its redemption rate, and the consumers who redeemed it. The metrics may be used to evaluate the relative success of the offer, and can trigger revenue sharing processes derived from the offer. In certain aspects, incentive offers may be modified based on the metrics. In further embodiments, the metrics may also be used to determine a metric score that provides further information about the card-linked offer campaign.

Abstract: Coupons may be analyzed in order to determine the relationship between a coupon's content and the coupon's performance. In one example, a service delivers coupons to users, and receives feedback on the coupons' performance. For example, the service may receive information on how often users print a given coupon, or how often a coupon results in a conversion. The service may build a model of how a coupon's features, and external events such as the weather, correlate with a coupon's performance. The service may offer a portal that businesses use to design and disseminate coupons. The portal may suggest particular types of coupons, or particular coupon dissemination strategies, based on the models that have been built from analysis of prior coupons.

Abstract: A method for integrating television brand advertising with promotional marketing includes providing an image to be displayed in different television commercials for products from different advertisers, the image indicating a website; and providing at the website coupon offers for the products from the different advertisers. The image will alert a viewer of the television commercial that a special coupon offer is available at a website. The viewer will go to the website and be able to select from one or more coupon offers available to consumers in their market area. The consumer then prints the coupons, or adds credit to a coupon card, which is then redeemed at the retailer. The system allows for Point Of Sale (POS) redemption, or more traditional redemption through a coupon clearinghouse.

Abstract: A method for generating a deal for a business, including identifying a deal goal of the business, obtaining a plurality of previous deals issued by a plurality of businesses, identifying a plurality of performance data items relating to the plurality of previous deals, filtering the plurality of previous deals to identify a plurality of previous deal characteristics, selecting a plurality of high performance deal characteristics from the plurality of previous deal characteristics, generating a plurality of deal characteristics for the deal, identifying a first deal provider and a second deal provider from a plurality of deal providers, generating the deal including the plurality of deal characteristics, receiving an approval of the deal, and transmitting the deal to the first deal provider and the second deal provider.

Abstract: A method of improving sales volume includes the steps of distributing redeemable offers to teams of shoppers wherein the shoppers are able to receive whatever basic discounts or other benefits that may be available to all shoppers, but also to receive a “kicker” benefit when the team achieves a specified purchasing objective such as a total of all sales to members of the team. Teams may compete for prizes or other benefits beyond those offered to individual teams.

Abstract: Systems and methods for providing a brand owner direct control of offers redeemable by users. An exemplary system includes a user interface device, a processing device and a communication device. The processing device receives product information entered via a user interface device by a brand owner authorized user. The product information includes product name, product category and attribute information. The processing device also receives offer information entered via the user interface device by the brand owner authorized user, the offer information being associated with one or more products, wherein the offer information includes at least one product name, validity information, coding information, offer type information and associated store information. The processing device generates an offer(s) based on the received offer information. A communication device makes the generated offer(s) available to a user device-based application program.

Abstract: A system and method for collecting storing, distributing and tracking digital coupons. The system and method include a platform/interface of a computing system for a plurality of businesses to submit digital coupons to a central coupon database of an application programming interface, and a platform/interface for consumers to create a user account with a user coupon database. The system and method further include a performance tracking database that stores information regarding coupons that are selected and redeemed by each user of the computing system.

Abstract: Systems and methods are disclosed for providing online offers for rewards that can be tracked to offline transactions for redemption. In order to protect sensitive consumer information, payment processing details such as credit card numbers and other authorizing data are redirected through a secure network to payment processing platforms, and then tokenized for subsequent use in relatively less secure data network communications and transactions. After a secure payment processing platform has authorized a transaction such as a reward for purchases, the payment processing platform can detect qualifying retail activity and generate corresponding rewards, which may be signaled to the customer through any suitable communications medium.

Abstract: Systems and methods are disclosed for providing online offers for rewards that can be tracked to offline transactions for redemption. In order to protect sensitive consumer information, payment processing details such as credit card numbers and other authorizing data are redirected through a secure network to payment processing platforms, and then tokenized for subsequent use in relatively less secure data network communications and transactions. After a secure payment processing platform has authorized a transaction such as a reward for purchases, the payment processing platform can detect qualifying retail activity and generate corresponding rewards, which may be signaled to the customer through any suitable communications medium.

Abstract: Systems and methods are disclosed for providing online offers for rewards that can be tracked to offline transactions for redemption. In order to protect sensitive consumer information, payment processing details such as credit card numbers and other authorizing data are redirected through a secure network to payment processing platforms, and then tokenized for subsequent use in relatively less secure data network communications and transactions. After a secure payment processing platform has authorized a transaction such as a reward for purchases, the payment processing platform can detect qualifying retail activity and generate corresponding rewards, which may be signaled to the customer through any suitable communications medium.

Abstract: Certain embodiments herein are directed to tracking and analyzing the redemption of promotional content, such as coupons, discounts, or similar offers. The redemption of the promotional content may be tracked such that a source or provider of the promotional content may be identified and associated with the promotional content at the point of redemption. Requests to redeem promotional content may be verified by comparing information received at the point of redemption with information previously stored in association with providing promotional content to a user device seeking to redeem the promotional content. Such information may include a unique identifier for the promotional content, a unique identifier for the user device, and a unique identifier for the source of the promotional content. Information associated with historical redemptions of promotional content may be analyzed to target user devices and/or sources of the promotional content for receiving future distributions of the promotional content.

Abstract: Techniques are provided for generating, by a coupon distributor, a score that represents a quality of a coupon campaign that a coupon provider offers to the coupon distributor. The score may be generated based on the brand of the product, the product category to which the product belongs, the coupon value, and the percentage discount reflected by the coupon. One or more of these factors may be based on historical data that indicates the success (or failure) of previous coupon campaigns (e.g., of the same product, brand, and/or product category, and/or similar coupon value). The coupon distributor uses the score to, e.g., determine whether to accept a proposed coupon campaign, project the number of prints/redemptions of the coupon campaign, determine how to present the coupon, determine an amount to charge for running the coupon campaign, and/or determine products or product categories of coupons to which the coupon distributor should seek.

Abstract: A computerized method and system for implementing such method, the method comprising establishing a card payment instrument account for an approved customer and an investment account for the benefit of the approved customer. A rebate is calculated periodically based on credit card usage and the rebate is applied to fund the investment account periodically. The rebate is the only funding of the investment account accomplished through the card payment instrument account.

Abstract: Techniques are provided for allowing a user to access a coupon. In one approach, a social network coupon platform receives a request to display coupon data regarding a particular coupon that is provided by a coupon provider, wherein a user that is registered with a social network provider initiated the request. In response to receiving the request, sending the coupon data is sent form the social network coupon platform to be displayed to the user. Profile data that includes profile information of the user is received at the social network coupon platform from the social network provider. In response to receiving the profile data, the user is allowed access to the particular coupon.

Abstract: A method and system are provided for providing incentives and rewards to consumers in return for their sharing of their electronically-derived consumer location data and sharing their opinions and feedback. The system may be programmed to determine parameters of a reward offered to an individual consumer or group of consumers based on or more criteria. In addition, location-derived insights and information reported by the consumers may be used to segment and customize the available incentives and rewards for each consumer. Reward redemption analytics may also be used to evaluate the effectiveness of reward customization.

Abstract: A method for promoting goods and services of providers includes the steps of designating a group of targeted recipients, and storing demographics information of each recipient in an electronic database. A plurality of direct mail items including provider promotions is generated, and each marked with a machine-readable ID code unique to each of the recipients. The direct mail items are sorted by their respective ID codes into cooperative mail packages. The mail packages are then forwarded to respective recipients. A report is generated based on the direct mail items redeemed.

Abstract: This is a pre-paid card system used to store monetary value and subsequently for making payment to merchants through the telephone system or through a data network. Unlike static credit card numbers, this invention employs the generation of encrypted dynamic codes for each transaction, which must be verified within a specific time, for payment initiation. Codes are send by merchant when a purchase is agreed upon and each codes have a time limit to be used. Customers need to accept this codes and present them to the host computer to complete the payment process. Codes from both merchant and customer are decrypted at the host computer to produce the authenticated instructions for the payment. This invention also employs a unique formula to calculate stored value including in foreign currencies.

Abstract: A method of displaying information items, the method comprising: determining a ranking score for each of a plurality of information items based on a history of votes received for each of the information items, the determining comprising: assigning a value to the information item for each vote received in respect of that information item, assigning a weight to each value as a function of the recency of the vote, and calculating a score for each information item, the score being calculated as a first sum across all votes of the product of the value of each vote with its assigned weight, divided by a second sum of the weights across all votes; determining, responsive to a first serve request and based on at least one criterion, at least one of the information items to be displayed at a client device; and transmitting to the client device code executable by a browser application to display the at least one information item based on the ranking score.

Abstract: A system and method for depositing and processing checks using an ATM is provided. The method includes capturing the image data of the check with a reading unit, transmitting the image data to a web service based on an open API (Application Programming Interface) without resorting to standard protocols of ATMs. The method also includes processing the image data with the web service so that the text data on the check is recognized. When calling the API, version information is transmitted to ensure that the web service is a correct web service. When a version indicated by the version information is not supported, an error is reported to the ATM and transmission is reattempted for a predetermined number of times. The method also includes booking the recognized data on the basis of account information determined from a credit card by a magnetic card reader.

Abstract: In one embodiment, a system includes a server that hosts webpages facilitating user interaction between multiple endpoints. The system monitors for a user input requesting initiation of a happy hour, and when the input is detected, modifies the webpages to alert users of the happy hour. The users are notified of which user initiated the happy hour, and are also notified that interaction incentives accumulate at an increased rate during the happy hour. The system also tracks user scorings that accumulate based on the user interaction, and enables certain website features based on these user scorings. The system also tracks ratings for user-uploaded objects and identifies top rated objects for displaying on webpages viewable by other users.

Abstract: A merchant subscribes to a pay-based automatic online marketing system and uses a virtual control dashboard to create special offers. Unlimited free virtual and printable coupons are presented online and accessed by customers and potential customers to be used in merchant business transactions. The merchant has a constantly searchable presence and has feedback about the success of other programs in related businesses and geographical areas and the analytics of the users of the program for continual updates of the special offers in real time.

Abstract: A computer system including at least one computer-readable medium has software to provide online account statements for accounts of customers of a company. The at least one computer-readable medium includes: a transaction database comprising a transaction history for an account of a customer of the company; a merchant database comprising variations of merchant names for merchants; software to compare the merchant name of the transaction entry of the transaction history from the transaction database with the variations of merchant names from the merchant database; software to provide a hyperlinked special offer indicia if a match occurs between the merchant name from the transaction database and one of the variations of merchant names from the merchant database; and software to provide an online account statement web page to the customer via the network.

Abstract: Certain exemplary embodiments relate to systems and/or methods for managing “show-rooming” practices of consumers, e.g., where consumers interact with a product at a sometimes convenient brick-and-mortar location, only to later purchase the product from a different (and typically online) provider. Distinct special offers (e.g., in the form of price adjustments) may be presented to potential show-rooming consumers, e.g., via a mobile device operated by those consumers. In certain exemplary embodiments, the distinct special offers may be generated based on, for example, pricing information gathered from competitors, rules specified by the brick-and-mortar location, characteristics or habits of a particular consumer using a particular device, recent trends, etc. The rate at which browsing consumers buy products for which they are presented with special offers, etc., may be monitored and fed back into the system, e.g., to help provide a more finely tuned special offer that helps preserve profit for the seller.

Abstract: A method of allocating a new incentive to a portion of a population includes identifying a plurality of group features of the population based on retention data clustering members of the population into a plurality of groups having similar risk profiles based on the plurality of group features and a plurality of categorical factors, dividing each of the plurality of groups into an experimental group and a control group respectively corresponding to members of the population that have received a previous incentive and that have not received the previous incentive, computing an effectiveness score of the previous incentive for each group based on a comparison of the corresponding experimental group and the corresponding control group, and generating a set of potential target groups for the new incentive based on the effectiveness scores.

Abstract: A campaign offer system provides an offer using a mobile device. A service provider includes one or more servers with engines and attached storage. The service provider is configured to be in communication with a mobile application running on a user mobile device of a use. The service provider is in communication with an advertiser, a retailer and a financial institution. A retailer gateway is in communication with a retailer checkout system that has a unique identifier for each retailer checkout location captured by the mobile device. The unique identifier is transmitted to the service provider which effects transactions between the user and the retailer checkout system via the retailer gateway. The system prepares a report for the retailer that includes redemption data for the offers redeemed at the retailer with enough data to identify a specific redemption.

Abstract: A mobile wallet system providing contextual services to a consumer is described, comprising a mobile wallet on a mobile device associated with the consumer, a payment platform for processing payment transactions by the mobile wallet, a digital content service platform for providing digital content services to the mobile wallet, and an analytics platform for controlling the digital content services provided to the mobile wallet based on collected consumer data.

Abstract: An approach is provided for template-based discount valuation and ranking. A discount management platform processes or facilitates a processing of a vocabulary for representing one or more parameters of discount information associated with one or more discount types. The discount management platform then processes or facilitates a processing of the one or more discount types to generate one or more templates based, at least in part, on the vocabulary. The one or more templates include, at least in part, one or more labels, one or more input fields, or a combination thereof for calculating and/or facilitating a calculation of one or more discount values associated with the discount information.

Abstract: A portfolio management system includes a method that uses multi-dimensional analysis to create a user group based on whatever characteristics the manager desires that would be the subject of a messaging campaign and that tracks user actions as a result of the messaging campaign. The method includes creating a user data set through multi-dimension analysis to define a user target base. Based on the data set, a messaging campaign is developed and one or various communication channels are selected to run the messaging campaign. A message campaign runs to target the user data set. Information is tracked from user actions after running the message campaign. Analysis of the tracked information can be generated into a report and can be used to create additional user data and messaging campaigns.

Abstract: A method for updating a limited redemption coupon includes: storing, in a database, at least one coupon record for at least one coupon, wherein the at least one coupon record includes at least a limitation on redemption associated with the at least one coupon; updating, in the database, the limitation on redemption associated with the at least one coupon in response to a limiting event; and transmitting, by a transmitting device, the updated limitation on redemption associated with the at least one coupon to at least one mobile communication device for display on the at least one mobile communication device.

Abstract: Systems, methods, machines and platforms are provided which detail a technique for utilizing a mobile social-business platform capable of building and managing a community of people so they can plan, coordinate and manage their lives in an efficient, social and financially beneficial way from a mobile device. Additionally, this application details a technique for building a network of select unique people's who will gain access to incentives from a vast combination of sources within their networks previously unavailable to them.

Abstract: Techniques for tracking and limiting electronic offers are provided. Identifiers are generated and linked to an electronic offer as the offer is propagated threw a network or propagated over disparate networks. Each identifier associated with a unique recipient receiving the offer. Metrics are gathered for the offer's propagation and a distribution policy is dynamically enforced as each new recipient attempts to access the offer.

Abstract: A retailer computer system receives from a first computing device a shopping recap having data indicative of one or more products that were shown to a customer by the sales associate while the customer was within a retail establishment. The received shopping recap is stored within a data repository where it is linked to a customer identifier that is associated with the customer and an associate identifier that is associated with the sale associate. If the customer later purchases a product, data indicative of the product being purchased is compared against data within any shopping recap that is linked to that customer to determine if a sales associate that is also linked to any shopping recap linked to that customer is to be awarded a commission for the product being purchased. The purchase of the product by the customer may further generate a digital receipt where the digital receipt includes a notice that the customer is being awarded an incentive, such as a coupon.

Abstract: In general, the present invention relates to route optimization/prediction. In one embodiment, the present invention provides visibility to future predicted traffic situations, based on all reserved routes in a system at a given point in time. This allows city planners, for example, to know where traffic will be to adjust traffic flow accordingly. Additional value comes into play by being able to calculate and publish aggregated savings from using this system, such as driver time, mileage, and gas. This information may be added to a database and made available to individuals via their GPS. In a typical implementation, a request for a route is received from a requester. Based on the request, an optimized route and a potential position of the requester within the optimized route are determined and then proposed to the requester. The requester can then select an option from the proposal.

Abstract: Techniques are provided for generating, by a coupon distributor, a score that represents a quality of a coupon campaign that a coupon provider offers to the coupon distributor. The score may be generated based on the brand of the product, the product category to which the product belongs, the coupon value, and the percentage discount reflected by the coupon. One or more of these factors may be based on historical data that indicates the success (or failure) of previous coupon campaigns (e.g., of the same product, brand, and/or product category, and/or similar coupon value). The coupon distributor uses the score to, e.g., determine whether to accept a proposed coupon campaign, project the number of prints/redemptions of the coupon campaign, determine how to present the coupon, determine an amount to charge for running the coupon campaign, and/or determine products or product categories of coupons to which the coupon distributor should seek.

Abstract: A computer implemented method, data processing system, and computer program product for distributing, and redeeming manufacturer coupons for a product purchase in a retail environment. With the mechanism of the illustrative embodiments, the data processing system of a retailer (hereinafter the loyalty coupon system) receives an electronic coupon from a manufacturer. The loyalty coupon system links the product to the inventory control system of the retail environment. The loyalty coupon system then targets the electronic coupon to customers that have subscribed to the loyalty coupon system. The coupon system provides for the communication of the product coupon directly to each subscribed customer on the list. Upon a customer selecting the coupon, the loyalty coupon system configures a customer reward. Upon the customer purchasing the product using their loyalty card, the loyalty coupon system disburses the customer reward at the point of sale. The manufacturer is billed for the redeemed coupon.

Abstract: An integrated, online approach to handling aspects of customer promotions can include a promotional management module for use by a client vendor. The promotional management module can integrate with the client vendor's existing online commerce portal and/or with a social networking service or the like to provide a user with an enhanced shopping experience by presenting one or more offers that the user can redeem via e-commerce (e.g. online selection and payment), in-person (e.g. at a physical location of the client vendor, or via other approaches.

Abstract: Disclosed are various embodiments for enabling customers to generate promotions. A specification of a promotion is obtained from a user. The promotion provides an incentive for ordering one or more items from a merchant. An electronic commerce application of the merchant is configured to offer the promotion. An account associated with the user is maintained such that a promotion expense is debited from the account relative to a number of orders to which the incentive is applied.

Abstract: Embodiments of task-based, decreasing-price markets enable dynamic discounting of items for sale. In one example, users shop for products (e.g., clothing, electronics, or cars) or services (e.g., hotel rooms, plane tickets, or car rentals) using a computing device or mobile device. As the users shop, they view advertisements or perform other tasks, like answering questions, and the system discounts an item's price based on the number or complexity of the performed tasks. Each user who performs a task gets a chance to buy the item at its discounted price. The other users also get a chance to buy the item at the discounted price. If someone buys the item, the item's price returns to its starting value. If nobody buys the item, the system discounts the item's price further as the users perform more tasks until someone buys the item or the item's price reaches a minimum value.

Abstract: Start-up companies, as well as new businesses within established firms, have the challenge of creating a sensible intellectual property (IP) portfolio. With resources usually tight, not all of the IP can be protected due to cost or resource availability considerations. Accordingly, disclosed herein is an apparatus and method that provide an effective solution for management of identified intellectual property. By providing an effective scoring scheme and a simple display, management decision making is made simple and straightforward, while providing in a glance the entire distribution of the firm's IP.

Abstract: A computer implemented method, apparatus, and computer usable program product is provided for managing network based preferences associated with charging transactions for electric vehicles. The network based energy preference service receives an identification of a principal associated with a first computing device using a network connection. The network based energy preference service receives a selection of preferences from the principal associated with the first computing device over the network connection to form a set of preferences for the principal. In response to receiving a request for a subset of preferences from the set of preferences for the principal from a preference requesting service, the network based energy preference service retrieves the subset of preferences from the set of preferences by the network based energy preference service and sends the subset of preferences to the preference requesting service.

Abstract: An electronic fund transfer system is disclosed wherein commissions for point-of-sale purchase transactions are determined and distributed to members of an organizational network for promoting use of a non-cash payment device that is tangible for effecting purchase transactions. Purchase data is electronically transmitted from the point-of-sale to an automated clearing house for effecting fund transfers to prepare the purchase, and also to a commission management system. The commission management system maintains an electronic database reflecting the structure of the organizational network, and further determines the distribution of purchase commissions according to a predetermined schedule of proportions relating to the position and business volume of each member of the network. The commission management system further comprises a payment processor for effecting commission payments to the members or to a designated sponsor on a scheduled basis.

Abstract: The ELECTRONIC COUPON ISSUANCE AND REDEMPTION APPARATUSES, METHODS AND SYSTEMS (“ECIR”) transforms user coupon purchase and redemption request inputs via ECIR components into coupon issuance, transaction, and analytics outputs. In some embodiments, the ECIR may receive an inventory request from a coupon program manager, including at least a virtual coupon issue criteria. The ECIR may generate one or more account identifiers, and transmit the account identifiers to the coupon program manager. The ECIR may receive, from the coupon program manager, an issue request along with the purchase information, which may include one or more purchase identifiers corresponding to one or more buyers. The ECIR may determine when the received purchase information satisfies the virtual coupon issue criteria, when it satisfies the criteria, the ECIR may issue one or more virtual coupons having the one or more account identifiers, and transmit the issued virtual cards to the coupon program manager.

Abstract: In one preferred form there is provided a computer implemented coupon system 100 for offering coupons 102 in connection with products and services 104. The system 100 includes a sale facility 106 adapted to allow individuals to purchase the coupons 102 online. The coupons 102 each provide a reduction in price associated with a specific product or service. The system 102 includes a communications facility for displaying, to the individuals, coupon information 110 associated with the coupons.

Abstract: Methods and apparatus are disclosed for using a financial transaction card number system of a payment processing network as part of an overage management system. In an embodiment, a method receives an intelligent transaction card number used with a redemption code to purchase products or services contained in an offer, wherein the intelligent transaction card number indicates a total amount of a transaction and the total includes a value of the redeemed offer and an overage spent by the consumer in addition to the value of the redeemed offer. The method conducts post-clearing adjustments based on terms of the redeemed offer and generates instructions for corresponding credits or debits of funds. The method then receives instructions to: transfer funds from a first purse for the value of the redeemed offer and authorizes, clearing and settling the transferred funds; and to transfer funds from a second purse for the overage.

Abstract: In some embodiments, techniques for rewarding presence include detecting a presence of a mobile phone within an enclosed space, transmitting information relating to the presence of the mobile phone within the enclosed space to a server computer, wherein the server computer processes an award for the presence of the mobile phone within the enclosed space, wherein the award is associated with a user account associated with the mobile phone; and receiving from the server computer information relating to the award.

Abstract: A system, method, and computer program product provides discounted aggregated purchasing. A method for promotional discounted aggregated purchasing may include determining a volume discount matrix for a product to be available during a promotional period, accepting bids from a plurality of consumers indicating a price each consumer is willing to pay for the product, placing a hold on payment cards of the consumers who have entered bids, each hold being for the amount of each bid, at a conclusion of the promotional period, determining a price for the product based on a final discount level that is determined based on the received bids and on the determined volume discount matrix, and performing transactions for the product for all consumers who bid an amount greater than or equal to the determined price.

Abstract: A node (22) of a communications system is configured use behavioral information (26) regarding a customer/subscriber's communication usage to automatically perform a promotional activity (28) with respect to communication usages of the customer/subscriber with another customer/subscriber. In an example implementation, the node (22) comprises electronic circuitry (38) configured to use the behavioral information (26) regarding the customer/subscriber's communication usage to automatically perform the promotional activity (28) with respect to the communication usages of the customer/subscriber with the another customer/subscriber. In its various embodiments, the promotional activity (28) comprises at least one of a financial discount activity; a new access activity; a quality of service change activity; and, an advance recharge activity.

Abstract: A networked system for managing commercial interactions is providing. In some embodiments, the system includes: a bundle-passing interface between a plurality of networked users including distribution logic including a distribution control input responsive to machine-readable information in the bundles; and a statistics collection engine including a control input responsive to machine-readable information in the bundles.

Abstract: A system for advertising and promotion comprises identifying a promotion to be offered to a consumer, identifying a consumer that is interested in the promotion, identifying a plurality of consumer-specific attributes, using at least one of the consumer-specific attributes to determine a promotion offering value, offering the promotion to the consumer at the promotion offering value determining whether the consumer agrees to purchase the promotion at the promotional offering value, and determining whether to adjust the promotional offering value based on whether the consumer agreed to purchase the promotion.