Automated targeting of information to an application visitor based on merchant business rules and analytics of benefits gained from automated targeting of information to the application visitor

A computer-implemented method comprising:

• receiving business rules for an application hosted by the server coupled to a computer network and accessible by users;
• compiling with the server present user data describing a current action of a user while using the application hosted by the server;
• while the user is still using the application, computing with the server a match between the present user data and a precompiled cluster of behavior factors;
• responsive to computing the match, generating with the server based on the match targeted information that includes information influenced based on business rules associated with the application;
• and
• transmitting the targeted information to a computer of the user for presentation prior to the user leaving the application.

A system comprising:

• one or more processors;
• and
• one or more memories storing instructions that, when executed by the one or more processors cause the system to:
• compile with a server coupled to a computer network behavioral data describing past actions including products viewed and purchases made by users while using applications hosted by servers accessible by computers of the users via the computer network;
• segment with the server the behavioral data into clusters of behavior factors according to statistically related actions of the users;
• compile with the server present user data describing a current action of a user while using a merchant application hosted by the server coupled to the computer network and accessible by the user, the current action including the user adding a product to a virtual shopping cart of the merchant application;
• while the user is still using the merchant application, perform with the server a comparative analysis including determining a match between the present user data and a cluster from the clusters of behavior factors and generating a demand function based on the match and the business rules associated with the merchant application;
• generate with the server targeted information based on the comparative analysis, the targeted information including a discount for the product in the virtual shopping cart;
• and
• provide by the server the targeted information including the discount for the product to the computer of the user for presentation before the user leaves the merchant application.