Abstract: Systems, methods, and apparatuses for aggregating merchant offers include a network interface structured to facilitate data communication via a network, an accounts database structured to store account information associated with accounts held by the provider, including a payment account associated with a customer, and a processing circuit comprising a processor and memory. The processing circuit is structured to receive a pre-filtered offer from an offer vendor, aggregate the pre-filtered offer with other received pre-filtered offers from multiple offer vendors to create an aggregated offer list, filter the aggregated offer list based on the account information for the customer to create a filtered offer list, generate a prioritized offer list based on the account information for the customer, and transmit the prioritized offer list to a customer device of the customer.

Abstract: Examples described herein relate to apparatus and methods for managing rewards for a customer of a financial institution, including but not limited to, determining a transaction pattern associated with transactions made by the customer, determining a deviation from the transaction pattern, determining an event associated with the customer based on the deviation, and determining rewards that correspond to the event for the customer.

Abstract: A method includes receiving, at a server associated with a merchant, an identification token associated with a mobile device located in a service environment associated with the merchant, and receiving an address of a profile agent associated with and distinct from the mobile device. The identification token includes an opaque token generated by a source other than the mobile device. The method includes sending to the profile agent a request for a user profile associated with the mobile device, where the request includes the identification token, and receiving an opaque user profile responsive to the request. The method includes sending a personalized offer associated with the merchant to the profile agent based on the opaque user profile. The profile agent causes application of preferences and policies associated with the mobile device to the personalized offer to determine whether to forward the personalized offer to the mobile device.

Abstract: Systems, methods, and apparatuses for delivering reward offers are disclosed. The reward offer distribution system is configured to receive social media information concerning a customer, determine a characteristic of the received social media information based on the content of the received social media information, retrieve reward offer content from a reward offer database to be delivered to the customer based on the determined characteristic, and transmit the retrieved financial reward offer content to a computing device associated with the customer.

Abstract: Examples described herein relate to apparatus and methods for managing rewards for a customer of a financial institution, including but not limited to, determining a transaction pattern associated with transactions made by the customer, determining a deviation from the transaction pattern, determining an event associated with the customer based on the deviation, and determining rewards that correspond to the event for the customer.

Abstract: Examples described herein relate to apparatus and methods for transferring funds based on location including, but not limited to, receiving, by a financial institution computing system, a location-based transfer request from a first user device associated with a first user, wherein the location-based transfer request comprises at least an identification of a location, a transfer amount, and an identification of a second user, wherein the second user is a recipient of the location-based transfer request, determining, by the financial institution computing system, that a second user device is at the location, wherein the second user device is associated with the second user; and in response to determining that the second user device is at the location, initiating, by the financial institution computing system, a transfer of the transfer amount to an account associated with the second user.

Abstract: A method includes receiving, at a server associated with a merchant, an identification token associated with a mobile device located in a service environment associated with the merchant, and receiving an address of a profile agent associated with and distinct from the mobile device. The identification token includes an opaque token generated by a source other than the mobile device. The method includes sending to the profile agent a request for a user profile associated with the mobile device, where the request includes the identification token, and receiving an opaque user profile responsive to the request. The method includes sending a personalized offer associated with the merchant to the profile agent based on the opaque user profile. The profile agent causes application of preferences and policies associated with the mobile device to the personalized offer to determine whether to forward the personalized offer to the mobile device.

Abstract: Systems and methods are structured to impart an emotional connection to a goal and to generate customized, appropriate challenges that maintain participant engagement by handicapping certain parameters. In one embodiment, a financial health computing system is configured to: generate a first profile for a first participant; generate a first goal for the first participant, the first goal comprising a first plurality of milestones and a first plurality of rewards; assess a participant's progress based on a first status item; and generate an advisory alert for the first participant based on the first status item. The advisory alert comprises a recommended financial health activity and is configured to accept a user input for directing an auxiliary system to perform the recommended financial health activity. The first goal and the first plurality of rewards are customized to the first participant based at least in part on the first profile.

Abstract: A method includes receiving, at a server associated with a merchant, an identification token associated with a mobile device located in a service environment associated with the merchant. The identification token includes an opaque token generated by a source other than the mobile device. The method includes, receiving an address of a profile agent associated with the mobile device. The profile agent is distinct from the mobile device. The method includes sending to the profile agent, a request for a user profile associated with the mobile device, where the request includes the identification token, and receiving an opaque user profile responsive to the request. The method also includes sending a personalized offer associated with the merchant to the profile agent based on the opaque user profile. The profile agent causes application of preferences and policies associated with the mobile device to the personalized offer to determine whether to forward the personalized offer to the mobile device.

Abstract: Examples described herein relate to apparatus and methods for managing rewards for a customer of a financial institution, including but not limited to, determining a transaction pattern associated with transactions made by the customer, determining a deviation from the transaction pattern, determining an event associated with the customer based on the deviation, and determining rewards that correspond to the event for the customer.

Abstract: The disclosed principles provide for various embodiments of a “smart” product display system capable of learning consumer shoppers' behaviors and preferences, as well as interacting with shoppers, retail personnel and product suppliers, in real-time. Exemplary goals for the disclosed product display systems and methods include understanding shopper behavior and trends by actively measuring inventory on the shelf in comparison with shoppers' demographic information, “sensing” the shoppers that stop by the rack and identify their demographics to show relevant advertisements to such shoppers; and validating the performance of internal techniques, or developing new techniques, for targeting shoppers as compared to actual shopper preferences determined by the smart product display system.

Abstract: A method includes receiving, at a server associated with a merchant, an identification token associated with a mobile device located in a service environment associated with the merchant. The identification token includes an opaque token generated by a source other than the mobile device. The method includes, receiving an address of a profile agent associated with the mobile device. The profile agent is distinct from the mobile device. The method includes sending to the profile agent, a request for a user profile associated with the mobile device, where the request includes the identification token, and receiving an opaque user profile responsive to the request. The method also includes sending a personalized offer associated with the merchant to the profile agent based on the opaque user profile. The profile agent causes application of preferences and policies associated with the mobile device to the personalized offer to determine whether to forward the personalized offer to the mobile device.

Abstract: A third-party profile service based on a proxy server model is described, where a user's profile service resides at a URL, in contrast to a profile service that requires federation identity. A profile service is provided that augments location-based services offered by service providers targeting mobile users via, for example, wireless and Wifi Networks. Additional personalization is driven by identity/profile services. Participants in the scenario are not required to share an identity or profile (i.e., static federation is not required). The user establishes a single profile with a trusted provider, hands-off solicitations to a profile agent that operates on behalf of the user to apply policies and preferences. The agent also provides privacy and anonymity (opaqueness).

Abstract: Systems and methods to download digital data files are provided. A particular method includes sending authentication data and a request to download a digital data file from a portable computing device to a remote network device via a first network access point. A first portion of the digital data file is received at the portable computing device. The first portion does not include a remaining portion of the digital data file. Communication is established between the portable computing device and a second network access point after communication is lost between the portable computing device and the first network access point and before the remaining portion of the digital data file is received. The remaining portion of the digital data file is received at the portable computing device without sending a second request related to downloading the digital data file.

Abstract: A system for storing subscriber information in a centralized location includes a processor, memory coupled to the processor, and a data storage device coupled to the processor. The data storage device includes a subscriber profile portion for storing personal information about a subscriber. The subscriber profile portion includes a subscriber identification portion for storing an identification string. The subscriber profile portion is associated with an account type portion for storing account information, a portal portion for storing portal information, and an account status portion for storing account status information. The data storage device further includes a subscription portion for storing subscription information. The subscription portion is associated with a device portion for storing device information, a services portion for storing services information, and a mobile subscription portion for storing mobile subscription information.

Abstract: A dynamic repository (either storing digital data content or pointers to stored digital data content) works in conjunction with a plurality of interfaces to manage digital content and digital rights policies associated with one or more users. Digital rights policies are unique to each user and such policies define access to digital content in the repository. The user's digital rights policy indicates the level of access a user has to digital content in the repository (e.g., the policy could indicate that the user has authorized access to a particular file for a period of seven days). The interfaces linked with the content repository are used to access and manipulate the digital data content (based upon each user's digital rights policy) and the digital rights policies stored in the content repository.

Abstract: A system for storing subscriber information in a centralized location includes a processor, memory coupled to the processor, and a data storage device coupled to the processor. The data storage device includes a subscriber profile portion for storing personal information about a subscriber. The subscriber profile portion includes a subscriber identification portion for storing an identification string. The subscriber profile portion is associated with an account type portion for storing account information, a portal portion for storing portal information, and an account status portion for storing account status information. The data storage device further includes a subscription portion for storing subscription information. The subscription portion is associated with a device portion for storing device information, a services portion for storing services information, and a mobile subscription portion for storing mobile subscription information.

Abstract: An application that resides on a subscriber PC with a constantly updated back-end knowledge base provides solutions to specific problems. The resident application, termed Computer Health and Performance Check (“CHPC”), performs preventative maintenance tasks on the subscriber's PC, such as checking for adware/spyware, viruses, determining whether the disk needs to be defragmented, and the like. In its various embodiments, the system includes a client-side resident PC diagnostic and health performance check tool that is used in conjunction with live customer assistance to provide in-home managed PC support services. Additionally, or in the alternative, customer support is automated with a knowledge base. The system supports VoIP SIP clients to automate and set up certain features.

Abstract: Systems and methods for determining a location based on historical data are disclosed. Generally, a location determination component receives a request for information from a wireless device, where the request is associated with at least two network access points (NAPs). The location determination component determines which of the at least two NAPs has a greater precedence and estimates a current location of the wireless device based on a known location of the current NAP and a known location of a previously-current NAP associated with the wireless device.

Abstract: A dynamic repository (either storing digital data content or pointers to stored digital data content) works in conjunction with a plurality of interfaces to manage digital content and digital rights policies associated with one or more users. Digital rights policies are unique to each user and such policies define access to digital content in the repository. The user's digital rights policy indicates the level of access a user has to digital content in the repository (e.g., the policy could indicate that the user has authorized access to a particular file for a period of seven days). The interfaces linked with the content repository are used to access and manipulate the digital data content (based upon each user's digital rights policy) and the digital rights policies stored in the content repository.