Apparatus and method for utilizing immediate gratification promotions

Abstract

An apparatus, computer program product, and method are disclosed for generating immediate gratification promotions. An example apparatus includes communications circuitry configured to receive contextual data regarding a set of consumer devices, wherein the contextual data identifies locations of each consumer device of the set of consumer devices, receive resource management data regarding a set of merchant locations, transmit, to a consumer device of the set of consumer devices, a message indicating terms of an immediate gratification promotion redeemable at a merchant location of the set of merchant locations, wherein the immediate gratification promotion comprises a promotion for which purchase automatically initiates redemption, and receive, from the consumer device, a message requesting purchase of the immediate gratification promotion. The example apparatus further includes design circuitry configured to generate the terms of the immediate gratification promotion based on the received contextual data and the received resource management data.

1 - 20 . (canceled) 
     
     
         21 . An apparatus comprising at least one processor and at least one memory having computer-coded instructions stored thereon that, in execution with at least one processor, causes 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;   generate 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;   determine a real-time location associated with the consumer device is within the at least one user-associated physical region;   select a first merchant location set comprising at least one merchant location from a possible merchant location set, wherein the at least one merchant location is within the at least one user-associated physical region;   receive, via at least one merchant device, resource data associated with the subset of the first merchant location set;   determine, based at least in part on the resource data, an immediate gratification promotion set corresponding to the subset of the first merchant location set;   transmit, to the consumer device, an impression of at least one immediate gratification promotion from the immediate gratification promotion set; and   automatically initiate redemption of the at least one immediate gratification promotion.   
     
     
         22 . The apparatus according to  claim 21 , further caused to:
 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/or electronic marketing information associated with a user account corresponding to the consumer device; and   determine the relevance score for at least one selected immediate gratification promotion of the immediate gratification promotion set satisfies a relevance threshold, the at least one selected immediate gratification promotion associated with the subset of the first merchant location set,   wherein the at least one immediate gratification promotion comprises the at least one selected immediate gratification promotion.   
     
     
         23 . The apparatus according to  claim 21 , wherein one or more location of the at least one user-associated location is based at least in part on a previous real-time location of the consumer device. 
     
     
         24 . The apparatus according to  claim 21 , wherein one or more location of the at least one user-associated location comprises a stored location associated with a user account corresponding to the consumer device. 
     
     
         25 . The apparatus according to  claim 21 , further comprising:
 determine 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.   
     
     
         26 . The apparatus according to  claim 21 , wherein the at least one user-associated physical region comprises a geofence defined including the at least one user-associated location. 
     
     
         27 . The apparatus according to  claim 21 , wherein to determine the immediate gratification promotion set the apparatus is caused 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 corresponding to the first merchant location, a product or a service associated with the first merchant location;   retrieve a set of promotions associated with the first merchant location based at least in part on the product or the service, the set of promotions comprising at least a first immediate gratification promotion; and   include at least the first immediate gratification promotion in the immediate gratification promotion set.   
     
     
         28 . 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;   generating 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;   determining a real-time location associated with the consumer device is within the at least one user-associated physical region;   selecting a first merchant location set comprising at least one merchant location from a possible merchant location set, wherein the at least one merchant location is within the at least one user-associated physical region;   receiving, via at least one merchant device, resource data associated with the subset of the first merchant location set;   determining, based at least in part on the resource data, an immediate gratification promotion set corresponding to the subset of the first merchant location set;   transmitting, to the consumer device, an impression of at least one immediate gratification promotion from the immediate gratification promotion set; and   automatically initiating redemption of the at least one immediate gratification promotion.   
     
     
         29 . The computer-implemented method according to  claim 28 , further comprising:
 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/or electronic marketing information associated with a user account corresponding to the consumer device; and   determining the relevance score for at least one selected immediate gratification promotion of the immediate gratification promotion set satisfies a relevance threshold, the at least one selected immediate gratification promotion associated with the subset of the first merchant location set,   wherein the at least one immediate gratification promotion comprises the at least one selected immediate gratification promotion.   
     
     
         30 . The computer-implemented method according to  claim 28 , wherein one or more location of the at least one user-associated location is based at least in part on a previous real-time location of the consumer device. 
     
     
         31 . The computer-implemented method according to  claim 28 , wherein one or more location of the at least one user-associated location comprises a stored location associated with a user account corresponding to the consumer device. 
     
     
         32 . The computer-implemented method according to  claim 28 , further comprising
 determining 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.   
     
     
         33 . The computer-implemented method according to  claim 28 , wherein the at least one user-associated physical region comprises a geofence defined including the at least one user-associated location. 
     
     
         34 . The computer-implemented method according to  claim 28 , wherein determining the immediate gratification promotion 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 corresponding to the first merchant location, a product or a service associated with the first merchant location;   retrieving a set of promotions associated with the first merchant location based at least in part on the product or the service, the set of promotions comprising at least a first immediate gratification promotion; and   including at least the first immediate gratification promotion in the immediate gratification promotion set.   
     
     
         35 . A computer program product comprising at least one non-transitory computer-readable storage medium having computer program code stored thereon that, in execution with at least one processor, configures the computer program product to:
 receive contextual data associated with a consumer device, wherein the contextual data comprises data indicative of at least one user-associated location;   generate 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;   determine a real-time location associated with the consumer device is within the at least one user-associated physical region;   select a first merchant location set comprising at least one merchant location from a possible merchant location set, wherein the at least one merchant location is within the at least one user-associated physical region;   receive, via at least one merchant device, resource data associated with the subset of the first merchant location set;   determine, based at least in part on the resource data, an immediate gratification promotion set corresponding to the subset of the first merchant location set;   transmit, to the consumer device, an impression of at least one immediate gratification promotion from the immediate gratification promotion set; and   automatically initiate redemption of the at least one immediate gratification promotion.   
     
     
         36 . The computer program product according to  claim 35 , further configured to:
 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/or electronic marketing information associated with a user account corresponding to the consumer device; and   determine the relevance score for at least one selected immediate gratification promotion of the immediate gratification promotion set satisfies a relevance threshold, the at least one selected immediate gratification promotion associated with the subset of the first merchant location set,   wherein the at least one immediate gratification promotion comprises the at least one selected immediate gratification promotion.   
     
     
         37 . The computer program product according to  claim 35 , wherein one or more location of the at least one user-associated location is based at least in part on a previous real-time location of the consumer device. 
     
     
         38 . The computer program product according to  claim 35 , wherein one or more location of the at least one user-associated location comprises a stored location associated with a user account corresponding to the consumer device. 
     
     
         39 . The computer program product according to  claim 35 , further configured to:
 determine 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.   
     
     
         40 . The computer program product according to  claim 35 , wherein the at least one user-associated physical region comprises a geofence defined including the at least one user-associated location.