Patent ID: 8671018

Claim:
An individualized discount and reward server, the server comprising: one or more linked databases to store customer data associated with a loyalty program of a retailer, the customer data including at least one retailer account and purchase history associated with a loyalty customer; a processor configured to: select a retail product from a plurality of retail products associated with the retailer; determine a first percentage indicating a percentage of time the loyalty customer purchases, according to the customer purchase history, the selected retail product on promotion at a discount price with respect to a general market price point of the retail product; determine a second percentage indicating an average percentage of time a plurality of customers forming a peer group purchases the selected retail product on promotion at the discount price with respect to the general market price point of the retail product, the peer group not including the loyalty customer; determine a comparison result by comparing the first and second percentages; allocate at least one customized offer to the retailer account associated with the loyalty customer upon determination from the comparison result that the first percentage is greater than the second percentage, and not allocate the at least one customized offer to the retailer account associated with the loyalty customer upon determination from the comparison result that the first percentage is less than or equal to the second percentage, the at least one customized offer including a loyalty adjustment changing the general market price point of the selected retail product.