The Toronto-Dominion Bank
SYSTEMS AND METHODS FOR PROPENSITY-BASED TARGETED MESSAGING

Abstract:

Servers, systems, and methods for targeting messages to users based on a propensity score. The propensity score is determined based on geolocation data. A visit to a monitored location is determined based on geolocation data from a mobile device associated with a user. Occurrence of an activity associated with the monitored location is detection based on geolocation data from the mobile device. The propensity score is determined or adjusted based on the visit and the activity detected and a targeted message is sent to the mobile device based on the propensity score exceeding a threshold value. The location may be a car dealership and the activity may be occurrence of a test drive, in some implementations.