Apparatus and method for utilizing immediate gratification promotions

1. An apparatus comprising at least one memory and at least one processor, the at least one memory having computer-coded instructions stored thereon that, in execution with the at least one processor, configure the apparatus to:

receive contextual data associated with a consumer device, wherein the contextual data comprises data indicative of at least one user-associated location;

determine a first merchant location set corresponding to at least one merchant location where the consumer device is likely to redeem promotions based at least in part on the at least one user-associated location;

generate a merchant-associated physical region for each merchant location of at least a portion of the first merchant location set, wherein at least a first merchant-associated physical region associated with a first merchant location is generated comprising a geofence defined based at least in part on a second set of merchant locations determined to be similar to the first merchant location;

determine a real-time location associated with the consumer device is within the merchant-associated physical region associated with each merchant location of at least a subset of the first merchant location set;

receive, via at least one merchant device associated with the subset of the first merchant location set, resource data associated with the subset of the first merchant location set;

determine, based at least in part on one or more of the contextual data and the resource data, an immediate gratification promotion set corresponding to the subset of the first merchant location set;

generate a relevance score for each immediate gratification promotion in the immediate gratification promotion set, each relevance score generated based at least in part on one or more of the contextual data, the resource data, and electronic marketing information associated with a user account corresponding to the consumer device;

determine the relevance score for a selected immediate gratification promotion of the immediate gratification promotion set satisfies a relevance threshold, the selected immediate gratification promotion associated with a respective merchant location the subset of the first merchant location set,

wherein the selected immediate gratification promotion comprises a promotion for which purchase automatically initiates redemption;

transmit, to the consumer device, an impression of the selected immediate gratification promotion in response to determination that the real-time location associated with the consumer device is within the merchant-associated physical region associated with the respective merchant location; and

initiate redemption of the selected immediate gratification promotion in response to engagement with the impression of the selected immediate gratification promotion.

2. The apparatus according to claim 1 , the apparatus further configured to:

determine the relevance threshold, wherein the relevance threshold comprises a minimum relevance score satisfied by the relevance score for the selected immediate gratification promotion.

3. The apparatus according to claim 1 , the apparatus further configured to:

assign the relevance threshold based on received consumer input data embodying the relevance threshold.

4. The apparatus according to claim 1 , the apparatus further configured to:

assign the relevance threshold for the selected immediate gratification promotion based on received merchant input data embodying the relevance threshold, the merchant input data received from a merchant device associated with the selected immediate gratification promotion.

5. The apparatus according to claim 1 , wherein to determine the immediate gratification promotion set corresponding to the subset of the first merchant location set the apparatus is configured to:

determine, for at least a first merchant location in the subset of the first merchant location set and based at least in part on the contextual data and the resource management data, a product or a service associated with the first merchant location for including in at least a first immediate gratification promotion of the immediate gratification promotion set;

retrieve a set of promotions associated with the first merchant location;

select, based on the product or the service and the set of promotions associated with the first merchant location, an immediate promotion cost value; and

include the first immediate gratification promotion in the immediate gratification promotion set, the first immediate gratification promotion comprising the immediate promotion cost value.

6. The apparatus according to claim 1 , wherein to generate the relevance score for each immediate gratification promotion in the immediate gratification promotions set, the apparatus is configured to:

for each immediate gratification promotion in the immediate gratification promotions set, generate a predicted demand value associated with the immediate gratification promotion, wherein the relevance score for the immediate gratification promotion is generated based on the predicted demand value.

7. The apparatus according to claim 1 , the apparatus further configured to:

for each particular merchant location in the subset of the first merchant location set, cause a merchant device of the at least one merchant device to provide at least a portion of the resource data, wherein the merchant device is associated with the particular merchant location, and wherein the portion of the resource data is associated with the particular merchant location,

wherein the portion of the resource data associated with the particular merchant location defines at least one determined promotion threshold for the particular merchant location, and

wherein to determine the immediate gratification promotion set, the apparatus is configured to at least:

generate first terms for a first immediate gratification promotion associated with the particular merchant location, wherein the first terms are generated to satisfy the at least one determined promotion threshold embodied in the portion of the resource data associated with the particular location.

8. The apparatus according to claim 1 , the apparatus further configured to:

determine, based at least in part on the contextual data, the consumer device is located within a first merchant-associated physical region associated with the respective merchant location.

9. The apparatus according to claim 1 , the apparatus further configured to:

determine a target geographical location based on the contextual data; and

identify each immediate gratification promotion in the immediate gratification promotion set is associated with a redemption location proximate to the target geographical location or is associated with data indicating a relationship with the target geographical location.

10. The apparatus according to claim 1 , the apparatus further configured to:

generate the at least one merchant-associated physical region encompassing the at least one user-associated location.

11. The apparatus according to claim 1 , the apparatus further configured to:

generate at least one at least one user-associated physical region associated with the consumer device, the at least one user-associated physical region defined based at least in part on the at least one user-associated location; and

select the first merchant location set comprising, from a possible merchant location set, at least one merchant location within the at least one user-associated physical region.

12. A computer-implemented method comprising:

receiving contextual data associated with a consumer device, wherein the contextual data comprises data indicative of at least one user-associated location;

determine a first merchant location set corresponding to at least one merchant location where the consumer device is likely to redeem promotions based at least in part on the at least one user-associated location;

generate a merchant-associated physical region for each merchant location of at least a portion of the first merchant location set, wherein at least a first merchant-associated physical region associated with a first merchant location is generated comprising a geofence defined based at least in part on a second set of merchant locations determined to be similar to the first merchant location;

determining a real-time location associated with the consumer device is within the merchant-associated physical region associated with each merchant location of at least a subset of the first merchant location set;

receiving, via at least one merchant device associated with the subset of the first merchant location set, resource data associated with the subset of the first merchant location set;

determining, based at least in part on one or more of the contextual data and the resource data, an immediate gratification promotion set corresponding to the subset of the first merchant location set;

generating a relevance score for each immediate gratification promotion in the immediate gratification promotion set, each relevance score generated based at least in part on one or more of the contextual data, the resource data, and electronic marketing information associated with a user account corresponding to the consumer device;

determining the relevance score for a selected immediate gratification promotion of the immediate gratification promotion set satisfies a relevance threshold, the selected immediate gratification promotion associated with a respective merchant location the subset of the first merchant location set,

wherein the selected immediate gratification promotion comprises a promotion for which purchase automatically initiates redemption;

transmitting, to the consumer device, an impression of the selected immediate gratification promotion in response to determination that the real-time location associated with the consumer device is within the merchant-associated physical region associated with the respective merchant location; and

initiating redemption of the selected immediate gratification promotion in response to engagement with the impression of the selected immediate gratification promotion.

13. The computer-implemented method according to claim 12 , the computer-implemented method further comprising:

determining the relevance threshold, wherein the relevance threshold comprises a minimum relevance score satisfied by the relevance score for the selected immediate gratification promotion.

14. The computer-implemented method according to claim 12 , the computer-implemented method further comprising:

assign the relevance threshold based on received consumer input data embodying the relevance threshold.

15. The computer-implemented method according to claim 12 , the computer-implemented method further comprising:

assign the relevance threshold for the selected immediate gratification promotion based on received merchant input data embodying the relevance threshold, the merchant input data received from a merchant device associated with the selected immediate gratification promotion.

16. The computer-implemented method according to claim 12 , wherein determining the immediate gratification promotion set corresponding to the subset of the first merchant location set comprises:

determining, for at least a first merchant location in the subset of the first merchant location set and based at least in part on the contextual data and the resource management data, a product or a service associated with the first merchant location for including in at least a first immediate gratification promotion of the immediate gratification promotion set;

retrieving a set of promotions associated with the first merchant location;

selecting, based on the product or the service and the set of promotions associated with the first merchant location, an immediate promotion cost value; and

including the first immediate gratification promotion in the immediate gratification promotion set, the first immediate gratification promotion comprising the immediate promotion cost value.

17. The computer-implemented method according to claim 12 , wherein generating the relevance score for each immediate gratification promotion in the immediate gratification promotions set comprises:

for each immediate gratification promotion in the immediate gratification promotions set, generating a predicted demand value associated with the immediate gratification promotion, wherein the relevance score for the immediate gratification promotion is generated based on the predicted demand value.

18. The computer-implemented method according to claim 12 , the computer-implemented method further comprising:

for each particular merchant location of the subset of the first merchant location set, causing a merchant device associated with the particular merchant location to provide at least a portion of the resource data, the portion of the resource data associated with the particular merchant location,

wherein the portion of the resource data associated with the particular merchant location defines at least one determined promotion threshold for the particular merchant location, and

wherein determining the immediate gratification promotion set comprises:

generating first terms for a first immediate gratification promotion associated with the particular merchant location, wherein the first terms are generated to satisfy the at least one determined promotion threshold embodied in the portion of the resource data associated with the particular location.

19. A computer program product comprising at least one non-transitory computer-readable storage medium having computer program code thereon that is configured, in execution with at least one processor, for:

receiving contextual data associated with a consumer device, wherein the contextual data comprises data indicative of at least one user-associated location;

determining a first merchant location set corresponding to at least one merchant location where the consumer device is likely to redeem promotions based at least in part on the at least one user-associated location;

generating a merchant-associated physical region for each merchant location of at least a portion of the first merchant location set, wherein at least a first merchant-associated physical region associated with a first merchant location is generated comprising a geofence defined based at least in part on a second set of merchant locations determined to be similar to the first merchant location;

determining a real-time location associated with the consumer device is within the merchant-associated physical region associated with each merchant location of at least a subset of the first merchant location set;

receiving, via at least one merchant device associated with the subset of the first merchant location set, resource data associated with the subset of the first merchant location set;

determining, based at least in part on one or more of the contextual data and the resource data, an immediate gratification promotion set corresponding to the subset of the first merchant location set;

generating a relevance score for each immediate gratification promotion in the immediate gratification promotion set, each relevance score generated based at least in part on one or more of the contextual data, the resource data, and electronic marketing information associated with a user account corresponding to the consumer device;

determining the relevance score for a selected immediate gratification promotion of the immediate gratification promotion set satisfies a relevance threshold, the selected immediate gratification promotion associated with a respective merchant location the subset of the first merchant location set,

wherein the selected immediate gratification promotion comprises a promotion for which purchase automatically initiates redemption;

transmitting, to the consumer device, an impression of the selected immediate gratification promotion in response to determination that the real-time location associated with the consumer device is within the merchant-associated physical region associated with the respective merchant location; and

initiating redemption of the selected immediate gratification promotion in response to engagement with the impression of the selected immediate gratification promotion.

20. The computer program product according to claim 19 , the computer program product further configured for:

for each particular merchant location of the subset of the first merchant location set, causing a merchant device associated with the particular merchant location to provide at least a portion of the resource data, the portion of the resource data associated with the particular merchant location,

wherein the portion of the resource data associated with the particular merchant location defines at least one determined promotion threshold for the particular merchant location, and

wherein determining the immediate gratification promotion set comprises:

generating first terms for a first immediate gratification promotion associated with the particular merchant location, wherein the first terms are generated to satisfy the at least one determined promotion threshold embodied in the portion of the resource data associated with the particular location.