Systems and methods to provide offers to mobile devices in accordance with proximity-sensitivity scores

A non-transitory computer-readable medium storing instructions adapted to be executed by a computer processor of an offer engine to perform a method of providing selected merchant offers to a customer mobile device, the method comprising:

• determining, on a periodic basis for each of a plurality of merchants, a proximity-sensitivity score that indicates a likelihood that potential offers from the merchants would be accepted by customers, the proximity-sensitivity scores based on distances between customer locations and merchant locations, and on a merchant category type;
• receiving an indication of a customer's current location from a mobile device of the customer;
• receiving customer transaction data in substantially real time;
• adjusting the proximity-sensitivity scores of the merchants based on the customer transaction data;
• automatically selecting for the customer, in substantially real time, at least two selected offers from a plurality of potential offers based on the adjusted proximity-sensitivity scores and the customer's current location;
• and
• transmitting data associated with the at least two selected offers to the mobile device associated with the customer for display on a display screen of the customer's mobile device.

An offer engine, comprising:

• an offer engine processor;
• a communication device operably connected to the offer engine processor;
• and
• a non-transitory storage device operably connected to the offer engine processor and storing instructions configured to cause the offer engine processor to:
• determine, on a periodic basis for each of a plurality of merchants, a proximity-sensitivity score that indicates a likelihood that potential offers from the merchants would be accepted by customers, the proximity-sensitivity scores based on distances between customer locations and merchant locations and on a merchant category type;
• receive an indication of the customer's current location;
• receive customer transaction data in substantially real time;
• adjust the proximity-sensitivity scores of the merchants based on the customer transaction data;
• automatically select for the customer, in substantially real time, at least two selected offers from a plurality of potential offers based on the adjusted proximity-sensitivity scores and the customer's current location;
• and
• transmit data associated with the at least two selected offers to the mobile device associated with the customer for display on a display screen of the customer's mobile device.