Credit and debit card issuers in the US spend more than $100 billion to support incentives aimed in large part on increasing purchases of goods and services. Efforts to promote sales are inefficient when an offer is not personalized to a cardholder, when promotions are delivered through email, text or mail that reaches more inactive cardholders than active ones or they arrive at the wrong time for even active cardholders. Hoox has created a platform for card issuers that delivers embedded offers to cardholders at the moment of purchase. Offers can be funded by the issuer or a merchant or th...