A system and method are provided for grouping customers from a pool of customers of a financial institution to subsequently receive advertisements. The method includes: retrieving, by a data collection module, identifier data of each customer in the pool of customers; retrieving, by the data collection module, financial information of each customer in the pool of customers based on the identifier data; determining, by an affordability condition determination module and for each customer, an affordability condition based on the financial information; determining, by a price parameter determination module, a price parameter for each advertisement; comparing, by an advertisement comparison module and for each advertisement, the price parameter against the affordability condition of each customer; and allocating, by a customer allocation module and for each advertisement, customers into a group of customers to subsequently receive the advertisement, if the price parameter satisfies the affordability conditions of the customers.

Systems and methods are described herein for resolving advertisement placement conflicts. Specifically, a number of parameters may be entered into a system in order to distribute advertisements into advertisement slots. In many instances, a combination of these parameters causes a conflict in the system where all the parameters cannot be applied in order to place advertisements into advertisement slots. The conflict may be resolved by using an advertisement assignment model to determine which parameters may be relaxed in order to arrive at an optimal solution that violates a smallest number of parameters having the least priority. When such a solution is found, the advertisement assignment model may be modified and advertisements may be placed into advertisement slots based on the modified advertisement assignment model.

Systems and methods for targeted advertising to specific consumers are disclosed. A system may include a memory storing instructions and at least one processor configured to execute the instruction to: receive, over a network, client-provided data from a client device; identify at least one consumer by comparing the client-provided data against consumer data recorded in an electronic consumer database; obtain at least one unique consumer identifier for the identified at least one consumer, the at least one unique consumer identifier not including personal identifiable information; generate a target audience pool based on the at least one unique consumer identifier; and deliver, over a network, the target audience pool to the client device to facilitate targeted advertising to specific consumers.

The claimed subject matter includes techniques for providing an application testing service with a user interface that enables a user to evaluate performance data for computer implemented decision policies. An example method includes displaying a first reward statistic comprising an actual performance result for a policy implemented by an application. The method also includes obtaining experimental data corresponding to previously implemented policies, computing a second reward statistic for a hypothetical policy using a reward function applied to the experimental data. The method also includes displaying the second reward statistic together with the first reward statistic to enable a user to compare the first reward statistic and the second first reward statistic.

A method that incorporates teachings of the present disclosure may include, for example, the steps of transmitting media content to a group of set top boxes for presentation with an overlay superimposed onto the media content, receiving a first comment from a first set top box of the group of set top boxes where the first comment is presentable with the overlay and the media content by the group of set top boxes, determining a first advertisement based on the first comment, and transmitting the first advertisement to the first set top box for presentation with the overlay and the media content. Other embodiments are disclosed.

Methods and systems for creating a multi-channel digital communication are disclosed. The multi-channel communication system can effectively create a second, interconnected communication based on a first communication. The system can duplicate and adjust content and settings of the second linked communication pursuant to requirements and parameters of the second communication. Furthermore, the system can assign a unique identification number to each communication to render coordinated management across multiple channels. The system can further retrieve data from the two individual communication databases and generate a combined comprehensive report for the multi-channel communication.

Apparatuses, methods, and systems for determining winning arms of electronic testing. One method includes obtaining historical data values related to the A/B test of a user, storing the historical data values, determining a historical weight for the historical data values, receiving new data values from the plurality of computing devices collected based on recipient actions during execution of the A/B, constructing a Dirichlet distribution, inferring corresponding central tendencies of samplings of a metric distribution, wherein each central tendency of the corresponding central tendencies is determined by sampling the Dirichlet distribution, constructing an overall utility distribution for each arms of the A/B test by combining the central tendency of each sampling of the metric distribution with a corresponding sampling of a conversion probability distribution, determining a winning arm of the A/B testing by comparing the overall utility distribution of each arm with each other arm of the A/B test.

Apparatuses, methods, and systems for determining winning arms of electronic testing. One method includes obtaining historical data related to the testing, creating a histogram based on the historical data, the histogram including bins and weights, creating a distribution by computing concentration parameters of the distribution from the weights of the histogram, executing the testing, receiving new data collected based on the execution of the test, allocating the new data into same bins as the bins of the histogram of the historical data yielding a new data bin count, computing a posterior distribution comprising updating the distribution using the same bins and the new data bin counts and the concentration parameters of the distribution, inferring corresponding central tendencies of samplings of a metric distribution, constructing an overall utility distribution for each arms of the test, and determining a winning arm of the testing.

A disclosed example includes: at least one memory; instructions; and processor circuitry to execute the instructions to at least: determine a first sum of estimated individual cardinalities of audience members of first and second media platforms; determine a second sum of estimated pairwise cardinalities of ones of the audience members belonging to both the first and second media platforms; and generate lower and upper bound estimates of a deduplicated audience size based on the first and second sums; and send the deduplicated audience size to a computing device via a network communication.

A computer-implemented method for dynamic link redirection includes determining current retailer product links in online content, for each current retailer product link among the plurality of current retailer product links, generating a current retailer monetization assessment for the current retailer product link based on current retailer monetization parameters, obtaining a plurality of alternative retailer product links based on the current retailer product link, generating a plurality of alternative retailer monetization assessments for each alternative retailer product link, determining, or receiving from a user, a selected retailer product link among the plurality of alternative retailer product links based on the current retailer monetization assessment and the plurality of alternative retailer monetization assessments, and replacing the current retailer product link in the online content with the selected retailer product link.