International Business Machines Corporation

Christie Ewen

Donna Karen Byron

Florian Pinel

Benjamin L Johnson

Carmine Dimascio

Embodiments provide dynamic consumer incentive generation by generating a combination discount offer that provides a total discount value to a customer in response to verifying that the customer executes a commercial activity at each of different (first and second) ones of a discount grouping plurality of businesses, in response to determining that it is probable as a function of historic purchasing data that the customer will purchase an item from the first business when they make a purchase from the second business; and allocating different portions of the total discount value as costs to the first and second businesses that have different values determined as a function of a difference between a first probability that the customer will purchase an item from the first business and a second probability that the customer will purchase an item from the second business.

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New York, NY, United States of America

Christie Ewen