Importance

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Abstract

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.

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First Claim