Affordability sweet spot identification

A non-transitory computer readable medium including instructions that when executed by a processor, cause the processor to perform operations comprising:

• receiving, from an application, a scanned barcode with embedded information identifying a vehicle of interest;
• generating, for a merchant, a list of vehicles with either the same or similar features to the vehicle of interest, and that have previously been subject to a transaction by the merchant;
• determining a plurality of merchant historic deal metrics for each vehicle in the list of vehicle;
• generating, using a clustering algorithm, a first cluster of data points in a N-dimensional space based on passing the plurality of merchant historic deal metrics through the clustering algorithm using a first common data structure;
• determining, for a plurality of customers, customer historic deal metrics based on past purchases of each vehicle in the list of vehicles;
• generating, using the clustering algorithm, a second cluster of data points in the N-dimensional space based on passing the plurality of customer historic deal metrics through the clustering algorithm using a second common data structure;
• determining an overlap region between the first cluster and the second cluster representing similar deal metrics, wherein the overlap region is determined based on:
• determining a radius based on a center point for each of the first cluster of data points and the second cluster of data points;
• outlining circles based on the radius and the center point for each of the first cluster of data points and the second cluster of data points;
• and
• determining which areas of the circles overlap;
• selecting a data point from amongst the data points within the overlap region;
• generating an offer for the vehicle of interest based on the selected data point;
• transmitting the offer to the client device for display on a graphical user interface (GUI);
• receiving a feedback indicating whether the offer was accepted or denied;
• and
• based on the offer being accepted, storing the offer as part of the plurality of merchant historic deal metrics and customer historic deal metrics for future use in subsequent iterations of the operations.

A computing system comprising:

• a communication unit including microelectronics configured to:
• receive, via an application, a scanned barcode with embedded information identifying a vehicle of interest;
• a processor, coupled to the communication unit, configured to:
• generate, for a merchant, a list of vehicles with either the same or similar features to the vehicle of interest, and that have previously been subject to a transaction by the merchant,
• determine a plurality of merchant historic deal metrics for each vehicle in the list of vehicle,
• generate, using a clustering algorithm, a first cluster of data points in a N-dimensional space based on passing the plurality of merchant historic deal metrics through the clustering algorithm using a first common data structure,
• determine, for a plurality of customers, customer historic deal metrics based on past purchases of each vehicle in the list of vehicles,
• generate, using the clustering algorithm, a second cluster of data points in the N-dimensional space based on passing the plurality of customer historic deal metrics through the clustering algorithm using a second common data structure,
• determine an overlap region between the first cluster and the second cluster representing similar deal metrics, wherein the overlap region is determined based on:
• determining a radius based on a center point for each of the first cluster of data points and the second cluster of data points;
• outlining circles based on the radius and the center point for each of the first cluster of data points and the second cluster of data points;
• and
• determining which areas of the circles overlap,
• select a data point from amongst the data points within the overlap region, generate an offer for the vehicle of interest based on the selected data point;
• wherein the communication unit is further configured to:
• transmit the offer to the client device for display on a graphical user interface (GUI), and
• receive a feedback indicating whether the offer was accepted or denied;
• and
• based on the offer being accepted, the processor is further configured to store the offer as part of the plurality of merchant historic deal metrics and customer historic deal metrics for future use in subsequent iterations by the computing system.