Abstract: A method of delivering advertising items to a client at a portable device is provided. A client ID is sent to a host server. A downloaded advertising item is produced relative to a product or service from the host server. The downloaded advertising item is parsed and stored. In response to the parsing and storing, displaying the advertising item is displayed to the client at the mobile device.

Abstract: The present disclosure relates to a system and method for determining advertising conversion metrics. In some implementations, a method includes receiving spatial information associated with a user in connection with an advertisement presented through a wireless device 102. The advertisement is associated with an offline 110 store having a geographic location. A likelihood of conversion is determined based, at least in part, on the spatial information and the geographic location of the offline store 110.

Abstract: The present disclosure relates to identifying a product or service in a store and offering to sell products and services that the customer can purchase in that store. Methods and apparatus consistent with the present disclosure allow retail stores to provide real-time information to their customers about products and/or services that may complement another product that a customer is interested in purchasing. A portable electronic device, such as a cell phone, may receive wirelessly transmitted communications from wireless transmitters that are associated with products and services that the customer approaches, touches, or scans.

Abstract: Provided are a computer program product, system, and method for ranking action sets comprised of actions for an event to optimize action set selection. Information is maintained on actions for a plurality of events. Each action indicates an action value of the action to the user and event weights of the action with respect to a plurality of the events. A determination is made of actions sets having at least one action to perform for the event. For each determined action set, a rank of the action set is calculated as a function of the action value for each action in the action set and an event weight of the action with respect to the event. At least one action set is presented to the user for consideration. In response to receiving user feedback, an adjusted rank is set for at least one of the presented action sets.

Abstract: A system and method for processing a transaction in connection with a loyalty rewards program comprising identifying at least one individual associated with said transaction, communicating associated information to a processing component that includes rules and logic associated with said loyalty rewards program, determining an eligible amount associated with said transaction for at least one promotion, determining at least one reward based on said eligible amount and said at least one promotion, and storing detailed, comprehensive, line item information associated with the transaction. Said system and method may further comprise determining an owed amount associated with at least one loyalty provider based on said rules and logic and charging said at least one loyalty provider for said owed amount.

Abstract: Methods and apparatus to generate consumer data are disclosed. An example method of selecting a sample of transaction data corresponding to a membership program includes defining a first type of member of the membership program; defining a second type of member of the membership program; calculating, via a processor, a target for the sample; selecting, via the processor, a first portion of the transaction data for the first type of member in accordance with the target; generating, via the processor, an updated target by recalculating the target with the first portion of the transaction data removed from consideration; and selecting, via the processor, a second portion of the transaction data for the second type of member in accordance with the updated target.

Abstract: Disclosed herein is a computer implemented method for providing authentication for secure transactions in a multi-server system, the method comprising; receiving, at an authentication server from a requestor server, a request for a cryptogram, the request being associated with a transaction and including a requestor identifier; in response to receiving the request, generating a cryptogram; sending, from the authentication server, the cryptogram to the requestor server; receiving, at the authentication server from a merchant server, the cryptogram, a payment token, and a unique merchant identifier, and a merchant secret; validating, at the authentication server, the cryptogram; comparing, at the authentication server, the unique merchant identifier and the merchant secret with a unique merchant identifier and a merchant secret pair stored in a database; and authorizing, at the authentication server, the transaction when there is a match.

Abstract: A method for presenting pre-approved and pre-underwritten offers to a customer may include: receiving targeting criteria based on at least one of current accounts with the financial institution, assets, creditworthiness, and credit risk for an offer for a financial product; identifying a target population of customers for the offer by applying the targeting criteria to a population of customers; reviewing each customer in the target population for underwriting for the financial product based on inferred income for each customer and accounts that each customer has with the financial institution, wherein the underwriting is performed before the financial product is offered; determining a channel to present the offer to one of the customers that passed underwriting; communicating the offer to the customer over the selected channel; and providing an accepted offer to a fulfilment engine, wherein the fulfilment engine initiates an account opening for the financial product.

Abstract: The present disclosure relates to systems and methods for live fire gaming wherein the system includes a camera, coupled to a server, for capturing images of a target onto which projectiles are being shot by a shooting device, a processing algorithm, implemented through the server, for identifying each single incremental change to the target associated with an initial and subsequent impact points of projectiles shot onto the target, each identification using only one captured image from the camera for each impact point, and a user-interface touch screen display, coupled to the server, for displaying and interfacing with one or more of: a representation of the target showing the impact points, marketing material, firearm safety information, and firearm training instructions.

Abstract: Embodiments of the present invention disclose a system for content triggered high-speed data service delivery independent of media delivery mechanisms. A backend system receives instructions from high-speed data customer indicating a selection of content triggered data service delivery; in response to receiving the instructions, enables content triggered data service delivery; (i) causes a gateway to cut-off HSD service or (ii) cuts-off supply to the gateway; causes a specified device connected to the gateway on its customer side to run a triggering content; and, in response to completion of running of the triggering content on the specified device, (i) causes the gateway to cut-on HSD service for the customer, or (ii) cutting on HSD service to the gateway and customer.

Abstract: The method, system, and computer-readable medium facilitate a fast rental application. The fast rental application includes a set of data corresponding to a user profile that is pertinent to a rental application. The data corresponding to the user profile can be retrieved from one or more databases and also received via a client device in a computer network. The data can be analyzed and stored as part of the profile in a profile repository and then transmitted to an property manager recipient.

Abstract: Techniques described herein are directed to e-commerce tags in multimedia content. In an example, multimedia content is received and item-recognition techniques are performed to identify one or more items referenced in the content. An interactive element is generated that indicates information about a given referenced item, and that interactive element is displayed while the multimedia content is output. Selection of the interactive element may cause a purchasing user interface to be displayed with item and/or or payment information prepopulated based at least in part on identified attributes of the item and/or user preferences determined from historical purchase data associated with the user.

Abstract: A system and method are disclosed for segmentation planning wherein a cost-to-serve interval and a value interval are used to generate a strategy for a micro-segment defined along a portion of the cost-to-serve interval and value interval, and similar micro-segments may be assigned to a single persona based on similar cost-to-serve and value tradeoffs.

Abstract: A method for determining the rotational rate of a movable member using an array of inertial sensors is provided. The method includes defining a hidden Markov model (“HMM”). The HMM represents a discrete value measurement of the rotational rate of the movable member. A transition probability of the HMM accounts for a motion model (linear or non-linear) of the movable member. An observation probability of the HMM accounts for noise and bias of at least one of the inertial sensors of the array of inertial sensors. A processor receives input from the array of inertial sensors. The processor determines the rotational rate of the movable member by solving for an output of the HMM using the input received from the array of inertial sensors. The processor may use a forward algorithm, a forward-backward algorithm, or a Viterbi algorithm to solve the HMM.

Abstract: The present disclosure is directed to systems and methods for determining one or more incentives for a user. For example, a method that may include: receiving a selection of an objective from among a plurality of objectives from a user via a client device; presenting, based on the selected objective, one or more incentives from among a plurality of incentives to the user, the plurality of incentives being based on a machine learning model trained to determine the plurality of incentives based on past purchases; receiving a selection of at least one of the one or more incentives from the user via the client device; and determining whether to allocate the selected one or more incentives based on a performance of the user.

Abstract: Embodiments of the present specification provide methods for performing marketing cost control by using a deep reinforcement learning system. One method includes the following: determining a cost of a marketing activity; determining a reward score of reinforcement learning that is negatively correlated with the cost; and returning the reward score to a smart agent of a deep reinforcement learning system, for the smart agent to update a marketing strategy, wherein the smart agent is configured to determine a marketing activity based on the marketing strategy and status of an execution environment of the deep reinforcement learning system.

Abstract: Systems and applications are described that use group signature technology to allow for anonymous and/or semi-anonymous feedback while allowing for the application of rules and parameters. The use of group signature technology may serve to potentially mitigate or prevent malicious identification of individuals or entities providing a communication such as feedback. Feedback may range from constructive feedback all the way to the ‘whistleblower’ variety. It may be desirable to identify the individuals as belonging to a particular group or having a particular status or position while maintaining the anonymity of the individuals within the particular group.

Abstract: Technology for rewarding affiliates is provided. In one example, a method may include determining a physical location of a computing device. A purchase intent from the computing device while at the physical location may be identified. An affiliate associated with the physical location may be rewarded for the purchase intent.

Abstract: Auto-detecting an action on a merchant service and rendering an offer button to display an offer redeemable based on the action. A user accesses a merchant service and an indication of the action is communicated to an offer system that maintains an account for the user. The offer system determines whether the user has an offer applicable to a purchase with the merchant. The user device presents an offer button rendered to indicate that the first offer is available for redemption by the user. The user initiates an action on the merchant service and the user device communicates an indication of the action to the offer system. The offer system determines if the user has a second offer applicable to a purchase with the merchant based on the action taken by the user and the offer button is rendered to indicate that the second offer is available for redemption.

Abstract: Disclosed are systems, methods, and non-transitory computer-readable media for assigning a Customer Lifetime Value (CLV) credit to an affiliate based engagement. Affiliate marketers are assigned a monetary CLV credit for new customers driven to an online retailer website by the affiliate. A CLV credit is a monetary award calculated based on a determined CLV for the new customer. The CLV represents an expected net profit to the online retailer that is attributed to the future relationship with the new customer. To ensure that the customer drives the expected net profit, the CLV credit is assigned to the affiliate marketer based on the measured engagement of the new customer. For example, the affiliate marketer is initially assigned only a portion of the CLV credit and then assigned additional portions when the new customer's engagement meets predetermined milestones, such as the new customer making at least one purchase per quarter.

Abstract: A method including retrieving a product information from a database is provided. The method includes associating the product information with multiple classification values, forming a vector associated with a consumer product. The classification values form coordinates of the vector in a vector space that comprises multiple vectors associated with multiple consumer products. The method includes determining a cluster in the vector space, including at least one vector selected according to a relative distance within a cluster boundary. The method includes selecting a discriminator vector from a vector difference between a first vector in a first cluster in the vector space and a second vector in a second cluster in the vector space and identifying a new consumer product associated with a new vector that is formed by adding the discriminator vector to a third vector from the vector space, the third vector associated with a known consumer product.

Abstract: The present disclosure relates to a system for rebate claim submission including an interface module configured for downloading to an electronic mobile device as a mobile app and configured for display on a display screen of the mobile device, the interface module also configured for displaying a rebate offer available for selection to a consumer of the mobile device, identifying a selection of a displayed rebate offer based on the consumer's electronic input, and providing a camera function through which the consumer may photograph proof of purchase data, wherein the proof of purchase data indicates purchase of one or more rebate qualifying products or services. The present disclosure also relates to a method for receiving a rebate claim via an electronic mobile device via a mobile app.

Abstract: Disclosed herein is an augmented reality (AR) system that provides information about purchasing alternatives to a user who is about to purchase an item or product (e.g., a target product) in a physical retail location. In some variations, offers to purchase the product and/or an alternative product are provided by the merchant and/or competitors via the AR system. An offer negotiation server (ONS) aggregates offer data provided various external parties (EPs) and displays these offers to the user as the user is considering the purchase of a target product. In some variations, an AR system may be configured to facilitate the process of purchasing items at a retail location.

Abstract: A facility for analyzing electronic advertising is described. The facility determines that a particular client device has been used to activate a first advertising message for a particular cause. In response, the facility identifies a second advertising message for that cause that was presented on the same client device at a time before the first advertising message was activated. In response, the facility determines that the activation of the first advertising message is at least partly attributable to the presentation of the second advertising message.

Abstract: A server based system and method for hosting an incentive creation, administration, distribution, management, and analytics system. The server may allow a client via a client management portal to create and manage a campaign that may include a variety of dynamic rewards geared specifically to specific consumer groups. In these embodiments, users may be presented with the dynamic rewards via a presentation device which may be a user device or a client device. The presentation device may include a facilitator application for presenting the offer to the user. The dynamic rewards may have terms that change over time based on factors such as end user input, environmental factors, sharing of the reward, trading the reward, expiration date extensions, etc.

Abstract: A method, apparatus, and computer program product are disclosed for associating time slots with a promotion and for scheduling time slots for redemption of the promotion based on merchant availability. The method includes receiving details, from a merchant, of a promotion for a good or service, and presenting, by a merchant interface, a set of proposed time slots for redeeming the promotion and a predicted booking limit for each proposed time slot. The method further includes receiving, from the merchant, selection of one or more time slots from the set of proposed time slots. Optionally, the method may include presenting, by the merchant interface, a commission schedule for the set of proposed time slots, wherein receiving the selection of time slots for use with the promotion is based on the commission schedule. A corresponding apparatus and computer program product are also provided.

Abstract: A system for managing an account includes a tag element representing a value, a mobile device adapted to determine the value when being located in proximity of the tag element, and adapted to access a network, and a server adapted to communicate with the mobile device via the network and adapted to access to a database, the database being adapted to store the account, the account being related to the mobile device (102) and to the tag element; wherein the mobile device is further adapted to communicate the determined value to the server, and wherein the server is further adapted to add the communicated value to the account.

Abstract: A device may receive first customer data, and may receive first contact data. The device may generate second customer data that includes the first customer data, and may generate second contact data that includes the first contact data and additional contact data. The device may generate a quantity of simulated future communications based on differences between the first customer data and the second customer data and between the first contact data and the second contact data, and may process the quantity of simulated future communications, with a machine learning model, to determine a probability distribution for an opt out event. The device may determine a relationship between the quantity of simulated future communications and probabilities of the opt out event, and may identify a particular probability of the opt out event based on the relationship. The device may perform actions based on the particular probability.

Abstract: A cloud-based computing system is provided that includes a payments platform for integrating payment gateway services with a cloud computing platform so that clients of the cloud computing platform can perform payment transactions with customers via the cloud computing platform. The payments platform can use external and internal operating modes for ingesting new or old payment transaction data from the payment gateway services at the cloud computing platform.

Abstract: Systems, methods, devices and computer-readable media for generating incentives for a loyalty system are described. A method includes: receiving, at at least one processor, data reflective of transactions conducted by a plurality of customers; processing, at the at least one processor, the data to determine a set of attributes for each of the plurality of customers; classifying, at the at least one processor, each of the plurality of customers according to at least one of a plurality of customer groups based on the determined set of attributes; and generating, at the at least one processor, an incentive targeting customers in at least one of the plurality of customer groups.

Abstract: A system and methods for generating and applying learning agents in simulated environments, in which an agent simulation is selected, one or more agent goals are received, and agents are created which are individual instances of the agent simulation with each agent having at least one of the agent goals, wherein the agents are used in the execution of an environment simulation which dynamically changes based on the collective behavior of the agents.

Abstract: A method of managing franchises using a credit-card payment system is provided.

Abstract: A method for facilitating the exchange of a stable cryptocurrency collateralized by government-issued debt. First granularity parameters are received through a first wallet interface of a first digital wallet. A first restricted use key is generated based upon the first granularity parameters and provided to an owner of a second digital wallet. A second restricted use key is generated based upon second granularity parameters received through a second wallet interface associated with the second digital wallet. Information from a blockchain wallet is accessed using the second restricted use key wherein the information relates to one or more of an ID classification and risk score of the second wallet owner at a level of detail determined by the second granularity parameters. An indication to proceed with a transaction between the first digital wallet and the second digital wallet may then be received through the first wallet interface.

Abstract: A workflow management system enables an entity to store information components in one or more publicly accessible databases, the information components associated with an acquisition by the acquisition entity. A unique entity identifier is associated with the information components in the databases, such that when reviewing entities access the information component via the databases and perform a similar event, a similar event object with the unique entity identifier is transmitted to the workflow management system. The information components may also be distributed by secondary entities, which may be automatically selected by the workflow management system based on historical data associated with respective secondary entities. When event objects initiated by information components stored by a secondary entity are received at the workflow management system, some or all of a maximum value increment associated with the acquisition is partitioned between the secondary entity and the acquisition entity.

Abstract: Described is a system and method for propagating, synchronizing and expiring user specific information among multiple output devices. In some implementations, retention information is provided along with the user specific information and the output device and/or output device controller will determine when to expire the user specific information based on the retention information. In other implementations, the output device controller and/or output device may periodically request updates from other output devices, output device controllers and/or the inventory management system to determine whether to expire user specific information.

Abstract: Methods, apparatus, systems and articles of manufacture are disclosed to identify affinity between segment attributes and product characteristics. An example method includes identifying, with a processor, a set of product characteristics from purchase transactions that exhibit a threshold product affinity, selecting, with the processor, a set of products having at least one product characteristic from the set of product characteristics that exhibit the threshold product affinity, the set of products associated with first segments, extracting, with the processor, segment attributes from the first segments, and improving a market success of the product of interest by identifying, with the processor, target segments based on ones of the extracted segment attributes exhibiting a threshold segment affinity.

Abstract: Provided is a process, including: obtaining a coupon issued by a merchant, the coupon being redeemable both on-line, at the merchant's website, and in-store, at a physical location of the merchant; sending the coupon to publishers for presentation to consumers by the publishers on user devices of the consumers; and receiving indications from the user devices of the consumers that the consumers interacted with the coupon, the indications indicating a consumer selection of an in-store redemption option or an on-line redemption option.

Abstract: Systems and methods for determining location-based bid modifier suggestions include determining a content placement cost based in part on a likelihood of a user that has entered a physical establishment completing a transaction, an average transaction amount for the establishment, and an expected return on investment (ROI). A location-based bid modifier may be determined using the computed cost and a base bid amount. In some implementations, the location-based bid modifier may also be based on a probability model that models the probability of the user visiting the establishment.

Abstract: A method compares data sets in a data preparation application. The method displays a user interface including a data flow pane and a profile pane. The data flow pane displays a flow diagram with nodes, each node corresponding to a data set. When a user selects a first node, the method displays distributions of data values for data fields from a first data set for the first node. When a user selects a second node, the method: (1) forms a composite data set comprising a union of (i) the first data set and (ii) a second data set for the second node; (2) groups data values for each data field to form sets of bins; and (3) displays data value distributions for each data field using the bins. Each bin depicts counts of data values in the bin originating from the first data set and the second data set.

Abstract: Systems and methods for providing campaign driven offer distribution include receiving, from a service provider device associated with a service provider, first campaign information for a first campaign. A first offer that has been configured to be irredeemable by the first customer and that includes a first offer condition associated with the first campaign information that must be satisfied to reconfigure the first offer to be redeemable by the first customer is provided for display on a first customer device. A notification indicating the first offer condition has been satisfied is received. In response to receiving the notification indicating the first offer condition has been satisfied, the first offer is reconfigured to be redeemable by the first customer. A notification indicating a status change with the first offer that causes the first offer to be displayed on the first customer device is communicated to the first customer device.

Abstract: Machine learning of selections of electronic records between a user environment and a customer environment is implemented using an intermediary virtual environment. A request received from the user environment includes a request for electronic records corresponding to the customer environment. A selection of electronic records is determined based on the request and transmitted to the user environment. A message received from the user environment includes an indication of one or more electronic records selected from the user environment. A next request from the customer environment includes a request to determine that a second selection of electronic records of the customer environment is indicated within the intermediary virtual environment. A message is transmitted to the customer environment responsive to determining that the second selection of electronic records corresponds to the one or more electronic records indicated from the user environment.

Abstract: A computer-implemented system and method configure a payment processing system to interpret image data from scanned payment coupons. A screen display is generated for presentation to a recipient of payments, such as a business. The screen display shows a sample payment coupon. Configuration information is received that is generated based on user inputs. The user inputs designate a region of the sample payment coupon and define how scanned information in the designated region is to be interpreted.

Abstract: System architecture and methods for enabling a client-side real-time auction of advertising inventory that works in conjunction with ad serving technologies. The method according to some embodiments of the present invention comprise: (i) an end-user visiting a web page wherein multiple advertisements are displayed, (ii) for each ad unit on the page, multiple parallel requests are sent from the end-user's browser client to multiple real-time bidders who respond with a bid & advertisement for each unit, (iii) the bids are compared within the end-user's browser and the winning bid is sent to an ad serving system to be compared with other statically priced advertisements and exchange demand to determine the winning advertisements that will be displayed to the end-user and (iv) data is aggregated for each bid and price limits are set based on the aggregations.

Abstract: A method for processing time series measurement data is provided. Data including a plurality of network performance metrics is received over a plurality of time periods. The received data is written to a plurality of measure data structures. The measure data structures are stored to a two dimensional array having a first dimension and a second dimension. The first dimension represents time and the second dimension represents a plurality of network entities. Elements of the two-dimensional array are compressed into BLOBs. Each one of the BLOBS is associated with a time period and a measure type associated with the data stored within a corresponding BLOB. The BLOBS are stored in a first table and second table. The first table is indexed by a combination of a network entity and a time period. The second table is indexed by a combination of a network performance metric and a network entity.

Abstract: The present disclosure relates to a system and method for determining advertising conversion metrics. In some implementations, a method includes receiving spatial information associated with a user in connection with an advertisement presented through a wireless device 102. The advertisement is associated with an offline 110 store having a geographic location. A likelihood of conversion is determined based, at least in part, on the spatial information and the geographic location of the offline store 110.

Abstract: Systems and methods for a point of sale reward system are provided. The system notifies users proximate to a point of sale location of rewards available for redemption specific to that user at that specific point of sale location.

Abstract: A method and system to automatically categorize a merchant listing in an electronic marketplace are provided. The method includes parsing the category information submitted by a seller to derive a first category identifier. A first search is performed to locate the first category identifier in a first database containing a listing of category identifiers. If no match is found, the first category identifier is identified as expired or invalid. A second search is performed on a second database that includes mapping information of an expired category identifier to a new category identifier. If a match is found, the first category identifier is assigned as the new category identifier, thereby enabling the listing to be listed in the updated category automatically.

Abstract: The ACTIONABLE NOTIFICATIONS APPARATUSES, METHODS AND SYSTEMS (“ACNO”) transforms inputs such as actionable notification enrollment input, action input, and trigger messages via ACNO components into actionable notification message output. In one embodiment, the disclosure describes a processor-implemented actionable notification method, which comprises, receiving an actionable notification enrollment request with a device identification, and criteria for receiving actionable notifications, and receiving an actionable notification trigger message. The method further comprises determining an actionable notification message based on the actionable notification trigger message and the criteria for receiving actionable notifications, and determining actionable notification associated actions. The method further comprises transmitting the actionable notification message and the associated actions, and receiving an action selection from the associated actions, and effecting the action selection.

Abstract: A method for rewarding physical activity is disclosed. At a server computer, goal data is received from a user device for a user. The goal data comprises a description of a physical activity for traveling to a location of a retailer within a time goal. The goal data includes a reward to be provided to the user for completing the physical activity within the time goal. User data is received from the user device. The user data includes data from an activity monitor and geolocation data. Based on the user data, a determination is made as to whether the user has completed the physical activity within the time goal. When the determination is made that the user has completed the physical activity within the time goal, the reward is provided to the user.

Abstract: Approaches presented herein enable providing a group-based purchasing incentive related to a product or service at a retail store to a customer among a group of customers contingent on an action being performed by a predefined number of members from the group. Specifically, a customer in a retail store is identified as part of a group of customers. A notification of a group-based purchasing incentive offer is transmitted to a mobile device of the identified customer. The offer is contingent on a specified number of other customers in the group performing an action. When the specified number of other customers in the group have performed the action, the group-based purchasing incentive is provided to the identified customer.