Abstract: Systems and processes for the gamification of data, including providing scenarios and actionable elements to execute a preferred scenario. Embodiments can include a credit modification software tool that is configured to automate the transmission of one or more messages to effectuate modification of a credit score associated with a user. The system can determine accounts eligible for improvements, application amounts, time to apply, and determine the effect on user's credit score. Embodiments can include scenarios for increasing a user's credit score where funds are not available by applying for a loan to reduce rolling debts, thereby providing a net increase credit score. Loans can be negotiated based on the resulting credit score and autonomously implement. A universal payment system is disclosed to retrieve data and determine a transaction model, which determines the accounts to be used, in which order, and how much to be applied, in order to benefit a credit score.

Abstract: Systems as described herein may include predicting item level data based on merchant advertisement information. A transaction pattern may be detected. The merchant advertisement information may be retrieved and parsed to generate a price list. A number of transactions that each shares a common payment amount may be determined and the number may reach a threshold value. Items from the price list may be matched with the common payment amount. The transaction records may be updated to indicate likely item level transaction information. In a variety of embodiments, the likely transaction information may be presented to a user.

Abstract: A method of configuring a widget defining a user interface includes parsing content from a corpus comprising documents describing a plurality of products, selecting a plurality of pillars from the content, wherein the pillars are descriptors describing a product space of the products, determining an affinity of each of the products to each of the pillars, receiving, via the widget, a selection of a first pillar, and displaying a given product in the widget, the given product selected from the products given the selection of the first pillar.

Abstract: Personalized electronic content is generated for display on a user computer. The content is generated by first matching a targeted user online identifier to one of a plurality of user online identifiers associated with a master ID in a database. Using online user behavior associated with the user online identifiers of the master ID, a preliminary set of personalized electronic content is generated. A set of content usage parameters is applied to the preliminary set of personalized electronic content to define the personalized electronic content, which is then transmitted and displayed on a user computer. The personalized electronic content may comprise targeted advertisement utilized to populate a webpage or an email template defined by an online marketing campaign.

Abstract: Systems and methods are presented for carrying out a task to an expanded group of users on behalf of a third party. In operation, an online service receives task information corresponding to a task from a third party. Additionally, the online service receives a seed group of users from the third party. The online service determines an intersection between the seed group of users and the online service's corpus of users. This intersection of users is then used to identify an expanded set of users of the online service's corpus of users. The online service then carries out the task on behalf of the third party, targeting the expanded set of users.

Abstract: Two different user spaces can be mapped to each other based on one or more categories of information that are common to both. The mapping is based on hash values generated by applying the same hash function to the same information of the categories of information that identifies users in each user space.

Abstract: A method and system provides a data management system that provides data management services and products to users. The method and system provides a predictive model that generates probability scores indicating the likelihood that current users of the data management system would select promotional messages if the promotional messages are presented to the current users.

Abstract: According to an embodiment, a computer-implemented method stores a set of historical transaction records pertaining to past consumer transactions, contextual transaction data, and offer activation and redemption tracking logs; receives a request to generate a new item offer; and uses a parameter optimizer to create suggested additional parameters. The parameter optimizer receives the stored records and data and determines a potential impact of the suggested additional parameters on sales of the item. In an embodiment, a visualization of the impact of the set of the parameters is presented on an offer definition interface. In an embodiment, the suggested additional parameters are automatically sent to the offer provider based in part on previous offer data associated with the offer provider.

Abstract: Methods and arrangements are provided to valuate advertising slots for a client device based on events that are detected on the device. The cost of the advertising slots can vary according to the timing of the user interactions or according to different classifications for the client device that are determined based on the events. The cost of the advertising slot can be determined before or after the invitational content is provided to the client device.

Abstract: A method, device, system, and computer program product relating to ecommerce, mcommerce, finance, community building, and social media is provided. A payment and social media commerce GobblinQ™ system provides substantial discounts and cash backs to users from merchants, manufacturers, and others. In an embodiment, a Merchant and/or Manufacturer can connect through the GobblinQ™ server to modify the database field regarding the amount of percentages payable and number of Gobbles™ available to Gobblers.

Abstract: A system that includes a fuel dispenser terminal and a remote controller. The fuel dispenser terminal is configured to send a service request for a fuel purchase to the remote controller and receive a personalized offer in response to sending the service request. The fuel dispenser terminal is further configured to display the personalized offer, receive a user response indicating the personalized offer was accepted, and send the user response to the remote controller. The fuel dispenser terminal is further configured to receive an authorization token for retrieving the personalized offer and output the authorization token to the customer. The remote controller is configured to update the service request by adding a purchase associated with the personized offer to the fuel purchase, send an encrypted service request to a service processor, generate the authorization token, and send the authorization token to the fuel dispenser terminal.

Abstract: A method and system for automatically terminating a logout session for a restricted access system by determining that an authorized user has left the vicinity of the restricted access system. The authorized user preferably carries a wireless transmitter which transmits an authorization signal that is also used for permitting access to the restricted access system. When the authorized user leaves the vicinity of the restricted access system after logging in, the signal is no longer received by a wireless receiver or too weak of a signal, such that an access control system in communication with the wireless receiver automatically causes the restricted access system to initiate a logout action in order to prevent or reduce the chance of an unauthorized user gaining access to the restricted access system. The restricted access system can be a rewards tracking system, such as, but not limited to, a rewards tracking system for a gaming machine or gaming table.

Abstract: Embodiments describe an approach for improving user consumption and promotion of multi-media content. Embodiments retrieve social media and location-specific context information from one or more social media platforms associated with one or more audience members. Embodiments determine a baseline mood for the one or more audience members based on the one or more audience member's social media activity and social media posts. Embodiments of capture one or more images of one or more audience member reactions while the one or more audience members view the multi-media content. Embodiments identify relevant scenes in the multi-media content based on the captured one or more audience member reactions. Additionally, embodiments generate promotional content based on the identified relevant scenes; and distribute the promotional content on the one or more social media platforms.

Abstract: The systems and methods may be used to recommend an item to a consumer. The methods may comprise determining, based on a collaborative filtering algorithm, a consumer relevance value associated with an item, and transmitting, based on the consumer relevance value, information associated with the item to a consumer. A collaborative filtering algorithm may receive as an input a transaction history associated with the consumer, a demographic of the consumer, a consumer profile, a type of transaction account, a transaction account associated with the consumer, a period of time that the consumer has held a transaction account, a size of wallet, and/or a share of wallet. The method may further comprise generating a ranked list of items based upon consumer relevance values, transmitting a ranked list of items to a consumer, and/or re-ranking a ranked list of items based upon a merchant goal.

Abstract: Embodiments of a system method and computer program product for selecting an advertisement and presenting it to a user are described. Products and services offered by various merchants are read using a merchant specific catalog and stored in a common format. Categories for such products and services are normalized and virtual categories are created using various product attributes. Visual creatives, termed as ad-templates are created to control the visual and interactive aspects of the ad, including ad-size, color, as well as product attributes that are displayed in the ad. Ad-templates may be constrained to specific products or product categories. A learning algorithm uses an adaptive sampling process to sample various products, product categories and ad-templates independently for different learning units such as individual users, groups of users determined by some demographics, individual web pages and groups of web pages grouped using various similarity criteria.

Abstract: Systems, methods, and devices for integrated marketing are disclosed herein. An integrated marketing system may include an integrated marketing device receiving media content from a content provider device. The integrated marketing device attaches one or more product tags to the video content based on elements within the video content. The one or more attached product tags are provided to a consumer or to the content provider device for display on a consumer device.

Abstract: Systems and methods for applying a promotion to a payment transaction originating at a point of sale system of a merchant are described. Transactional information is provided to an acquirer computing system of the merchant. Based on identifying indicia associated with the transactional information, the acquirer computing system determines whether to modify the payment transaction messaging before communicating it along to an issuer computing system.

Abstract: A method for linking alternative payment information with customer loyalty data includes obtaining a customer loyalty identifier associated with a customer, reading customer data from a database based on the obtained customer loyalty identifier, obtaining alternative payment information from the read customer data, determining whether payment by the alternative payment information is enabled for the customer loyalty identifier, prompting the customer to enable payment by the alternative payment information, prompting the customer for authorization information associated with payment by the alternative payment information, enabling payment by the alternative payment information for the customer loyalty identifier, and applying the alternative payment information to a current purchase of the customer.

Abstract: Systems, methods, and media for managing web content. Exemplary methods may include the steps of providing a web content management application via a web site, generating a web marketing campaign from at least a portion of a global marketing framework via a web server, gathering via the web server marketing data from at least one of the web server associated with the web marketing campaign and consumer devices accessing the web marketing campaign, the marketing data including information indicative of interests of consumers, storing the marketing data in a database, associating consumers together according to at least one common interest to create one or more consumer groups, and providing the one or more consumer groups to at least one marketing content author.

Abstract: An approach is provided for optimizing a digital display. Classifications of advertisements are determined. A location of a future action in an event is predicted. A sentiment of an audience is determined. The audience includes spectators at the venue, viewers who are viewing the event via devices receiving a live broadcast of the event, or a combination of the spectators and the viewers. Based on the location of the future action, a digital display is selected from digital displays in the venue and content on the digital display is predicted to be captured as an image by a camera and broadcast to devices of the viewers. Based on the classifications, the sentiment, the location of the future action, and the content being predicted to be captured and broadcast, an advertisement is selected. The selected advertisement is sent to the selected digital display.