Computer-implemented techniques for determining and provisioning real-time individualized product and service offering

A computer readable storage medium storing a program of instructions executable by a machine to perform a method of determining real-time individualized offering, comprising:

• receiving, by one or more processors, user information associated with a user;
• receiving, by one or more of the processors, a market segment offer associated with a product;
• determining, by one or more of the processors, a personalized offer based on the user information, the personalized offer determined based on a product offeror's goal with respect to the user at a given time;
• blending, by one or more of the processors, the market segment offer and the personalized offer to determine a recommended offering that is consistent with a user's goal at the given time of the offering, the blending comprising:
• determining an equivalent market segment based offer of the personalized offer, the equivalent market segment based offer determined as a summation of a multiplication of a quantity and a unit market segment price of all items included in the personalized offer, the unit market segment price of an item being a price at which customers can purchase the item without customer information, based on a market segment of the customers at the given time in a non-personalized segment based offer system;
• and
• modifying the personalized offer based on the equivalent market segment based offer and one or more personalized offering rules, the modifying comprising:
• responsive to determining that a difference between the personalized offer and the equivalent market segment based offer exceeds a threshold, performing at least one:
• of removing the personalized offer, increasing a price of the personalized offer, removing a component element of the personalized offer, and adding a component element of the personalized offer, so that the difference is within the threshold;
• and
• providing, by one or more of the processors, the recommended offering to the user via a user's device, the providing comprising:
• activating the user's device to automatically connect to a product offeror's web site.

A system of determining real-time individualized offering, comprising:

• a storage device operable to store data associated with a user and market segments, the data comprising at least loyalty program data, sales transaction data, click-stream data, social media activity data;
• a processor coupled to the storage device and further operable to receive user information associated with the user,
• the processor further operable to receive a market segment offer associated with a product;
• the processor further operable to determine a personalized offer based on the user information, the personalized offer determined based on a product offeror's goal with respect to the user at a given time;
• the processor further operable to blend the market segment offer and the personalized offer to determine a recommended offering that is consistent with a user's goal at the given time of the offering, the processor blending the market segment offer and the personalized offer comprising:
• determining an equivalent market segment based offer of the personalized offer, the equivalent market segment based offer determined as a summation of a multiplication of a quantity and a unit market segment price of all items included in the personalized offer, the unit market segment price of an item being a price at which customers can purchase the item without customer information, based on a market segment of the customers at the given time in a non-personalized segment based offer system;
• and
• modifying the personalized offer based on the equivalent market segment based offer and one or more personalized offering rules, the modifying comprising:
• responsive to determining that a difference between the personalized offer and the equivalent market segment based offer exceeds a threshold, performing at least one:
• of removing the personalized offer, increasing a price of the personalized offer, removing a component element of the personalized offer, and adding a component element of the personalized offer, so that the difference is within the threshold;
• and
• the processor further operable to provide the recommended offering to the user via a user's device, the processor providing recommended offering comprising:
• activating the user's device to automatically connect to a product offeror's web site.