Individual level learning mechanism

A computer-implemented method comprising:

• receiving, by the analytics server, purchase event data from a merchant server that indicates an occurrence of a purchase event for a user, wherein the analytics server stores purchase event data associated with the user and an identifier of a user device associated with the user;
• executing, by the analytics server, an individual level machine learning algorithm configured to determine event prediction data representative of likelihood of repeat events of the user by applying a neural network to the purchase event data associated with the user, wherein the individual level machine learning algorithm is configured to:
• calculate a time gap for each of two sequential purchase events in the purchase event data, where the time gap is a difference in time from when one purchase event occurs to when a subsequent purchase event occurs;
• and
• calculate an average duration of consecutive events by averaging all of the time gaps for the purchase events in the purchase event data;
• determining, by the analytics server applying the neural network to the purchase event data associated with the user and the event prediction data representative of the likelihood of repeat events of the user, a purchase hazard probability that a purchase event will occur on a given day when the average duration of consecutive events is larger than a standard deviation of the event occurring;
• obtaining, by the analytics server, a location of the user device with respect to a location associated with a particular merchant;
• and
• when the purchase hazard probability satisfies a threshold and the location of the user device is in the location associated with the particular merchant, generating, by the analytics server, instructions to transmit a message to the user device involving the purchase event based on the stored identifier of the user device.