Generating a pool of risk with option pricing

A connection and communication platform comprising:

• a memory;
• and
• a processor that is configured to execute machine readable instructions stored in the memory that cause the processor to:
• receive, from a consumer user device of a consumer user, search criteria for an item type or a product;
• determine an interaction value of the search criteria for the consumer user device, the interaction value quantifying a first number of interactions across websites or advertisements by the consumer user device, and the first number of interactions across the websites or advertisements being related to searches for the item type or the product;
• determine a cost per views value of the search criteria, the cost per views value quantifying a second number of interactions across websites or advertisements by other user devices, and the second number of interactions across the websites or advertisements being related based on the item type or the product;
• when the interaction value plus the cost per views value exceeds a threshold value, compute a dynamic cashback amount associated with the search criteria, the dynamic cashback amount being stored in an aggregation revenue pool of funds associated with an advertiser marketplace;
• transmit, to the consumer user device, an electronic communication that includes the dynamic cashback amount, a predetermined period of time to initiate a transaction for the product, and an identifier associated with the product;
• and
• when the identifier associated with the product is received in association with the transaction of the product within the predetermined period of time, transfer the dynamic cashback amount from the aggregation revenue pool of funds to a digital wallet of the consumer user.

A non-transitory computer-readable storage medium storing a plurality of instructions executable by a processor, the plurality of instructions when executed by the processor causes the processor to:

• receive, from a consumer user device of a consumer user, search criteria for an item type or a product;
• determine an interaction value of the search criteria for the consumer user device, the interaction value quantifying a first number of interactions across websites or advertisements by the consumer user device, and the first number of interactions across the websites or advertisements being related to searches for the item type or the product;
• determine a cost per views value of the search criteria, the cost per views value quantifying a second number of interactions across websites or advertisements by other user devices, and the second number of interactions across the websites or advertisements being related based on the item type or the product;
• when the interaction value plus the cost per views value exceeds a threshold value, compute a dynamic cashback amount associated with the search criteria, the dynamic cashback amount being stored in an aggregation revenue pool of funds associated with an advertiser marketplace;
• transmit, to the consumer user device, an electronic communication that includes the dynamic cashback amount, a predetermined period of time to initiate a transaction for the product, and an identifier associated with the product;
• and
• when the identifier associated with the product is received in association with the transaction of the product within the predetermined period of time, transfer the dynamic cashback amount from the aggregation revenue pool of funds to a digital wallet of the consumer user.