| CPC G06Q 30/0269 (2013.01) [G06Q 30/0261 (2013.01); G06Q 30/0267 (2013.01)] | 20 Claims | 

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               1. An apparatus comprising at least one processor and at least one memory storing instructions that, with the at least one processor, cause the apparatus to: 
            generate, based at least in part on a consumer segment associated with a consumer, a threshold promotion score for the consumer; 
                store, in one or more repositories, the threshold promotion score for the consumer; 
                adjust the threshold promotion score for the consumer based at least in part on a current time data and current consumer activity data associated with a mobile computing device associated with the consumer; 
                receive, from the one or more repositories, data inputs associated with the consumer; 
                transform the data inputs into a multidimensional vector; 
                input, to a trained machine learning model, the multidimensional vector; 
                obtain, from the trained machine learning model, a probability value; 
                generate a plurality of promotion scores by generating, based at least in part on the probability value, a promotion score for each promotion of a plurality of promotions; 
                store, in the one or more repositories, the plurality of promotion scores; 
                compare the threshold promotion score with the plurality of promotion scores; 
                responsive to determining that a selected promotion of the plurality of promotions is associated with a respective promotion score that exceeds the threshold promotion score, generate an electronic marketing communication comprising the selected promotion, the electronic marketing communication configured to be rendered via a display device of the mobile computing device; and 
                responsive to determining that the current time data is within a specified time period, transmit, via a network and to the mobile computing device, the electronic marketing communication. 
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