Content presentation based on transaction history

Abstract

Apparatuses, system, methods, and computer program products are presented for presenting content based on transaction data. An apparatus includes a processor and a memory that stores code that is executable by the processor for selecting a user for an offer in response to the user's financial transaction data satisfying a transaction metric associated with the offer, determining a target location for the offer based on the user's financial transaction data, determining a current location for the user relative to the target location, dynamically providing the offer to the user in response to the user's current location satisfying the target location, receiving electronic credentials for the user for accessing identification information for the user, and electronically assisting the user to complete the offer by pre-populating one or more data fields with the user's identification information.

What is claimed is: 
     
         1 . An apparatus comprising:
 a processor; and   a memory that stores code executable by the processor for:
 selecting a user for an offer in response to the user's financial transaction data satisfying a transaction metric associated with the offer; 
 determining a target location for the offer based on the user's financial transaction data; 
 determining a current location for the user relative to the target location; 
 dynamically providing the offer to the user in response to the user's current location satisfying the target location; 
 receiving electronic credentials for the user for accessing identification information for the user; and 
 electronically assisting the user to complete the offer by pre-populating one or more data fields with the user's identification information. 
   
     
     
         2 . The apparatus of  claim 1 , wherein the identification information for the user and the financial transaction data of the user is securely stored in one or more databases of a personal financial management (PFM) provider such that the identification information and the financial transaction data is unavailable to a provider of the offer. 
     
     
         3 . The apparatus of  claim 2 , wherein the code is executable by the processor to access the user's financial transaction data from the one or more databases of the PFM provider to determine whether one or more transactions from the user's financial transaction data satisfy the transaction metric associated with the offer. 
     
     
         4 . The apparatus of  claim 1 , wherein the offer is selected as a recommendation to the user based on financial transaction data of one or more other users that satisfies the transaction metric, the offer associated with a transaction identified in the financial transaction data of the one or more other users but not yet identified in the user's financial transaction data. 
     
     
         5 . The apparatus of  claim 1 , wherein the code is executable by the processor to verify that the user completed a financial transaction associated with the offer by locating the financial transaction associated with the offer in subsequent financial transaction data for the user. 
     
     
         6 . The apparatus of  claim 6 , wherein the code is executable by the processor to determine which of the offer and one or more different offers presented to the user is more effective based on transaction amounts associated with the offer and the one or more different offers in subsequent financial transaction data for the user. 
     
     
         7 . The apparatus of  claim 6 , wherein the user comprises one of a plurality of users that is selected as a sample for the offer based on the transaction metric and the verification module sends a provider of the offer an indication of a percentage of the plurality of users selected as the sample which completed a financial transaction associated with the offer. 
     
     
         8 . The apparatus of  claim 1 , wherein the code is executable by the processor to select the user for the offer based at least in part on search history data for the user satisfying a search metric associated with the offer. 
     
     
         9 . The apparatus of  claim 1 , wherein the user's financial transaction data comprises data associated with individual items that the user purchased during a financial transaction, the user selected for the offer based at least in part on the data associated with the individual items that the user purchased. 
     
     
         10 . The apparatus of  claim 1 , wherein the code is executable by the processor to customize one or more content elements of the offer to the user based on one or more financial goals of the user, the financial goals maintained for the user by a personal financial management (PFM) provider storing the user's financial 
     
     
         11 . The apparatus of  claim 1 , wherein the transaction metric comprises one or more of:
 a vehicle ownership metric indicating one or more of whether the user owns a vehicle, a value of a vehicle of the user, one or more of a make and a model of a vehicle of the user, a model year of a vehicle of the user, and an amount spent on fuel for a vehicle of the user;   a geographical spending metric indicating one or more of the user's overall spending in one or more geographical regions and the user's categorized spending in one or more geographical regions;   a housing cost metric indicating one or more of whether the user owns a residence, whether the user rents a residence, a housing cost for the user, and a location of a residence of the user;   a food spending metric indicating one or more of an overall amount the user spends on food, an amount the user spends on groceries, and an amount the user spends on restaurants;   an income metric indicating the user's income;   a savings metric indicating an amount of money the user saves;   a consistency metric indicating an amount of variation in spending of the user;   a competitor metric indicating one or more of an amount spent at a competitor of a provider of the offer, a frequency of transactions at a competitor of a provider of the offer, and one or more identities of competitors of a provider of the offer with which the user has transacted; and   a lifetime value metric comprising one or more of a projected total value of the user to a provider of the offer as a customer, and an amount of time until a provider of the offer is projected to break even on the offer with the user as a customer.   
     
     
         12 . The apparatus of  claim 1 , wherein the transaction metric comprises a total spend metric indicating a confidence level of whether the user's financial transaction data includes each of the user's financial transactions aggregated from multiple entities. 
     
     
         13 . The apparatus of  claim 12 , wherein the confidence level is determined based on a presence of transaction type pairs in the user's financial transaction data. 
     
     
         14 . The apparatus of  claim 1 , wherein the transaction metric comprises a transaction interval metric indicating an amount of time spanned by the user's financial transaction data. 
     
     
         15 . A method comprising:
 selecting a user for an offer in response to the user's financial transaction data satisfying a transaction metric associated with the offer;   determining a target location for the offer based on the user's financial transaction data;   determining a current location for the user relative to the target location;   dynamically providing the offer to the user in response to the user's current location satisfying the target location;   receiving electronic credentials for the user for accessing identification information for the user; and   electronically assisting the user to complete the offer by pre-populating one or more data fields with the user's identification information.   
     
     
         16 . The method of  claim 14 , wherein the transaction metric comprises a total spend metric indicating a confidence level of whether the user's financial transaction data includes each of the user's financial transactions aggregated from multiple entities. 
     
     
         17 . The method of  claim 14 , further comprising customizing content elements of the offer for the user, the customizations based on one or more financial goals of the user. 
     
     
         18 . The method of  claim 14 , further comprising providing location data of the user to a personal financial management (PFM) provider in response to the user coming within a communication proximity of a wireless beacon, the received offer associated with the target location. 
     
     
         19 . The method of  claim 14 , further comprising presenting the offer on a digital display of a merchant in response to the user being within a proximity of the digital display. 
     
     
         20 . An apparatus comprising:
 means for selecting a user for an offer in response to the user's financial transaction data satisfying a transaction metric associated with the offer;   means for determining a target location for the offer based on the user's financial transaction data;   means for determining a current location for the user relative to the target location;   means for dynamically providing the offer to the user in response to the user's current location satisfying the target location;   means for receiving electronic credentials for the user for accessing identification information for the user; and   means for electronically assisting the user to complete the offer by pre-populating one or more data fields with the user's identification information.