METHOD AND SYSTEM FOR CURBING COUPON DISTRIBUTION DUE TO RISK PROFILE

摘要

A method for limiting coupon distribution based on risk includes: storing consumer profiles receiving data for transactions involving a consumer; receiving credit information for the consumer; generating variables to identify patterns of behavior based on the data; creating a behavioral profile for the consumer based on the variables; analyzing the credit information and the behavioral profile to determine a risk profile; and distributing coupons to the consumer based on the consumer's risk profile. Another method includes: storing coupons, each including a coupon identifier and a propensity to spend beyond acceptable levels threshold; storing consumer profiles, each including a consumer identifier; receiving a propensity to spend beyond acceptable levels for a consumer; identifying a consumer profile for the consumer; and distributing a coupon to the consumer, wherein the consumer's indicator of propensity to spend beyond acceptable levels does not exceed the coupon's propensity to spend beyond acceptable levels threshold.

主权项

1. A method for limiting coupon distribution based on risk, comprising:
storing, in a database, a plurality of consumer profiles, wherein each consumer profile of the plurality of consumer profiles corresponds to a consumer and includes a consumer identifier; receiving, by a receiving device, transaction data for a plurality of financial transactions involving the consumer; receiving, by the receiving device, credit information associated with the consumer; generating, by a processing device, account-level variables to identify patterns of behavior based on the received transaction data and creating a real-time behavioral profile associated with the consumer based on the account-level variables; analyzing the received credit information and the real-time behavioral profile to determine a risk profile of the consumer; storing, in the consumer profile associated with the consumer, the determined risk profile; and distributing coupons to the consumer based on the determined risk profile associated with the consumer.