Automated targeting of information influenced by geo-location to an application user using a mobile device

A computer-implemented method comprising:

• compiling with a server coupled to a computer network behavioral data describing past actions of users while visiting applications hosted by servers accessible by the users via the computer network;
• segmenting with the server the behavioral data into clusters of behavior factors according to statistically related actions of the users;
• computing with the server a match between the present user data describing a current action of a user and one of the clusters of behavior factors;
• responsive to computing the match, generating with the server based on the match targeted information influenced by a geo-location of a mobile device of the user;
• and
• transmitting the targeted information to the mobile device of the user.

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 behavioral data describing past actions including products viewed and purchases made by users while visiting applications hosted by servers accessible by the users via a computer network;
• segment the behavioral data into clusters of behavior factors according to statistically related actions of the users;
• compile present user data describing a current action and a geo-location of a user while visiting a merchant application hosted by a server coupled to the computer network and accessible by the user;
• determine a geo-location of the mobile device of the user;
• while the user is still using the merchant application, compute a match between the present user data and one of the clusters of behavior factors;
• responsive to computing the match, generate based on the match targeted information influenced by the geo-location of the user;
• and
• transmit the targeted information to the mobile device of the user for display prior to the user leaving the merchant application.