A data-driven model to predict the returns of the production of corn in the U.S. is described. In one example, the model can account for 25 elements or factors presumed by the U.S. department of agriculture (USDA) to be contributing to the returns from corn production in the US. The model is designed on the basis of a number of parameters, including the selection of a significant set of the 25 factors, the extent or percentage of contribution of each factor, the extent of contribution to unknown factors, the identification of which of the significant factors are interacting, and others. In one example, 7 out of the 25 factors were found to be statistically significant, and 6 interaction terms were identified. The proposed model accurately predicts the returns from corn production in the U.S. with 98.22% accuracy.

Implementations of the disclosed subject matter may provide a method of retrieving a data record including historic utility bill statements of a customer, determining a historic energy usage rate of the customer based on the retrieved data record, and determining whether the customer is eligible to subscribe to a community solar energy generating system based on geographic location of the community solar energy generating system, the determined historic energy usage rate of the customer, and the customer's geographic location. The method may determine an allocation of energy produced by the community solar energy generating system when the eligible customer is enrolled in a subscription to the community solar energy generating system. The method may generate a customer data record for the user based on credits for the allocation of energy of the community solar energy generating system and receiving energy from another energy generating system.

A process for selecting and efficient retailer to purchase goods, such as groceries, includes generating a list of multiple items to be purchased from any of several optional retailers. The system gathers publicly available pricing information to calculate the total cost to purchase all goods at each of the selected retailers. The system allows the user to compare the total cost of purchasing all the goods out any individual retailer with the location of that retailer. The shopper can then elect to shop a particular retailer based on the convenience of their location and the cost to by all items on the list. This takes into account the value of the shoppers the time as well as the cost of the individual items purchased.

Provided is a process, including: obtaining a coupon issued by a merchant, the coupon being redeemable in-store, at a physical location of the merchant; obtaining one or more merchant location identifiers, the coupon only being redeemable at one or more merchant locations identified by the one or more merchant location identifiers; sending the coupon and the merchant location identifiers to publishers for presentation to consumers by the publishers on user devices of the consumers; and receiving indications from the user devices of the consumers that the consumers interacted with the coupon, the indications indicating a consumer selection of an in-store redemption option.

A method for identifying merchant trade areas for search result filtering includes: storing a plurality of merchant profiles, each profile including data related to a merchant including a merchant identifier and merchant geographic location; storing a plurality of transaction data entries, each entry including data related to a payment transaction including a specific merchant identifier and merchant geographic location associated with a merchant involved in the transaction, a consumer primary geographic location associated with a consumer involved in the transaction, and a travel distance based on a distance between the merchant and consumer primary geographic locations; identifying, for each merchant profile, merchant trade area data, the data including trade distances based on the travel distance included in transaction data entries where the included specific merchant identifier corresponds to the merchant identifier included in the respective merchant profile; and updating merchant profiles to include the respective identified merchant trade area data.

Approaches presented herein enable evaluating and displaying feedback for an item distributed to a group of users, e.g., at a collaborative event. Specifically, at least one approach includes receiving the item (e.g., a topic, idea, product) from a first user, and distributing the item to the group of users, wherein the group of users is located within an identified geographic proximity to the first user. An assigned value (e.g., demand quantified though buy/sell data) is then received for the item from one or more users of the group of users, and displayed to the first user via a mobile device, along with a real-time location of each user of the group of users. In one approach, each user's mobile device displays a geographic distance from other users at the collaborative event.

Provided is a process of discovering psychographic segments of consumers with unsupervised machine learning, the process including: obtaining a first set of consumer-behavior records; converting the first set of consumer-behavior records into respective consumer-behavior vectors; determining psychographic segments of consumers by training an unsupervised machine learning model with the first set of consumer-behavior vectors; obtaining a second set of consumer-behavior records after determining the psychographic segments of consumers; converting the second set of consumer-behavior records into respective consumer-behavior vectors; classifying the second set of consumer-behavior vectors as each belonging to at least a respective one of psychographic segments with the trained machine learning model; and predicting based on the classification a likelihood of the respective consumer engaging in behavior associated with a corresponding one of the psychographic segments.

Systems, methods and computer program products for selecting dealers based on characteristics of the dealers and the user. A vehicle data system collects dealer location and historical transaction data from external data sources and generates and stores an eligibility table that identifies a set of eligible dealers for each combination of user location and vehicle make. Eligible dealers are determined from the eligibility table using a location and vehicle make identified from a user request. Scores are determined for each eligible dealer based on a dealer scoring model using a binary choice model in the form of a logistic regression of market share, inventory, close rate, price and distance, and dealers are ranked by these scores. A presentation of dealers selected by rank and by closest location to the user is generated and provided to the user via an interface running on a computing device.

A personalized advertisement and checkout system and method for generating personalized merchant advertisements to specific device users includes a communications network, an advertisement system, at least one merchant administrator operable by a respective merchant user, at least one partner system and at least one user device operable by a respective device user. Each of the advertisement system, the merchant administrator, the partner system and the user device includes a processor and a memory in communication with the processor. Each of the merchant administrator and the user device includes a display and a user interface, the user interface of the merchant administrator receiving input from the respective merchant user and the user interface of the user device receiving input from the respective device user. The advertisement system ranks merchant campaigns entered by the merchant users and generates a list of merchant offer advertisements that is displayed on the user device.

A computer-implemented method for creating and managing an options program associated with payment transactions initiated in a geographic sector is described herein. The method is implemented using an analytics evaluation and management (AEM) computing device. The method includes storing a sector score associated with the geographic sector, the sector store ranking one or more financial characteristics of a plurality of merchants located in the sector. The method also includes generating an investment instrument including one or more parameters associated with the sector score, and transmitting a program initiation signal to a program interface (PI) computing device configured to maintain a virtual commodity market. The program initiation signal includes instructions causing the PI computing device to display the investment instrument on a user computing device, and provide a user of the user computing device an option to purchase the investment instrument.