AUTOMATED TARGETING OF INFORMATION INFLUENCED BY GEO-LOCATION TO AN APPLICATION USER USING A MOBILE DEVICE

1 . A computer-implemented method comprising:

compiling with a server coupled to a computer network behavioral data describing past actions including products viewed and purchases made by users while visiting applications hosted by servers accessible by the users via the computer network;

segmenting with the server the behavioral data into clusters of behavior factors according to statistically related actions of the users;

compiling with the server present user data describing a current action of a user while using a merchant application hosted by a merchant server coupled to the computer network and accessible by the user on a mobile device;

determining using the server a geo-location of the mobile device of the user;

while the user is still using the merchant application, computing with the server a match between the present user data and one of the clusters of behavior factors;

responsive to computing the match, generating with the server based on the match targeted information influenced by the geo-location of the user; and

transmitting with the server the targeted information to the mobile device of the user for display prior to the user leaving the merchant application.

2 . The computer-implemented method of claim 1 , wherein the targeted information includes a coupon and a bar code redeemable at a merchant's physical location.

3 . The computer-implemented method of claim 2 , further comprising:

enabling the redemption of the coupon at the merchant's physical location using the merchant application.

4 . The computer-implemented method of claim 1 , wherein generating with the server based on the match the targeted information influenced by the geo-location of the user further comprises:

determining a merchant's physical location to match the geo-location of the mobile device of the user;

retrieving by the server from the merchant server using an application programming interface (API) in-store availability information for products offered for sale by the merchant at the merchant's physical location;

retrieving by the server from a competitive data source competitive pricing information for products offered for sale by the merchant for the products; and

generating the targeted information to include one or more in-stock and competitively priced products at the merchant's physical location based on the competitive pricing information and in-store availability information.

5 . The computer-implemented method of claim 4 , wherein the targeted information is presented to the user through a mobile application operable by the mobile device of the user.

6 . The computer-implemented method of claim 5 , further comprising optimizing with the server or the mobile device the targeted information based on the geo-location of the user or a particular time of day when the user is most likely to use the mobile application to access the merchant application.

7 . The computer-implemented method of claim 1 , wherein the geo-location includes in-store location information and regional geographical location information.

8 . The computer-implemented method of claim 1 , wherein the targeted information is further influenced based on event information or weather information.

9 . A computer-implemented method comprising:

compiling with a server coupled to a computer network behavioral data describing past actions of users while visiting applications hosted by servers accessible by the users via the computer network;

segmenting with the server the behavioral data into clusters of behavior factors according to statistically related actions of the users;

computing with the server a match between the present user data describing a current action of a user and one of the clusters of behavior factors;

responsive to computing the match, generating with the server based on the match targeted information influenced by a geo-location of a mobile device of the user; and

transmitting the targeted information to the mobile device of the user.

10 . A system comprising:

one or more processors; and

one or more memories storing instructions that, when executed by the one or more processors, cause the system to:

compile behavioral data describing past actions including products viewed and purchases made by users while visiting applications hosted by servers accessible by the users via a computer network;

segment the behavioral data into clusters of behavior factors according to statistically related actions of the users;

compile present user data describing a current action and a geo-location of a user while visiting a merchant application hosted by a server coupled to the computer network and accessible by the user;

determine a geo-location of the mobile device of the user;

while the user is still using the merchant application, compute a match between the present user data and one of the clusters of behavior factors;

responsive to computing the match, generate based on the match targeted information influenced by the geo-location of the user; and

transmit the targeted information to the mobile device of the user for display prior to the user leaving the merchant application.

11 . The system of claim 10 , wherein the targeted information includes a coupon and a bar code redeemable at a merchant's physical location.

12 . The system of claim 10 , where the instructions, when executed by the one or more processors, further cause the system to:

enable the redemption of the coupon at the merchant's physical location using the merchant application.

13 . The system of claim 10 , wherein to generate based on the match the targeted information influenced by the geo-location of the user further comprises:

determine a merchant's physical location to match the geo-location of the mobile device of the user;

retrieve from the merchant server using an application programming interface (API) in-store availability information for products offered for sale by the merchant at the merchant's physical location;

retrieve from a competitive data source competitive pricing information for products offered for sale by the merchant for the products; and

generate the targeted information to include one or more in-stock and competitively priced products at the merchant's physical location based on the competitive pricing information and in-store availability information.

14 . The system of claim 13 , wherein the targeted information is presented to the user through a mobile application operable by the mobile device of the user.

15 . The system of claim 14 , where the instructions, when executed by the one or more processors, further cause the system to optimize the targeted information based on the geo-location of the user or a particular time of day when the user is most likely to use the mobile application to access the merchant application.

16 . The system of claim 10 , wherein the geo-location includes in-store location information and regional geographical location information.

17 . The system of claim 10 , wherein the targeted information is further influenced based on event information or weather information.