Abstract: Systems and methods describe providing alternate redemption options. One aspect involves receiving an order, analyzing consumer information using a redemption options algorithm to obtain redemption options including an alternate redemption option, providing an initial gift notification to a recipient device based on the gift order, the initial gift notification including the alternate redemption option, receiving an alternate redemption request, transmitting an alternate redemption information request, receiving alternate redemption information, adding alternate redemption information to the historical consumer information to obtain updated historical consumer information, training the redemption options algorithm using the updated historical consumer information to obtain an updated redemption options algorithm, and performing an alternate redemption action set using the alternate redemption information.

Abstract: Techniques to increase a speed of a growth of a service are disclosed. User-specific information is dynamically calculated for each of a plurality of users of the service while each of the plurality of users is accessing the service. The user-specific information includes scores associated with the plurality of users. The scores represent combined values of points associated with each of a set of scoring activities performed by each of the plurality of users with respect to the service. Designated users are identified from the plurality of users based on a determination that one or more qualifying criteria have been satisfied. A transferring of a value to each of the one or more identified designated users is initiated based on a determination that one or more granting criteria have been satisfied.

Abstract: Systems and methods for automated transactional offers are disclosed. In one embodiment, a system can be configured to register a uniform resource locator (URL) of a merchant system as a verified merchant URL. An extension communication can be received from a browser extension executed on a client device. A captured merchant URL and a user account of a user can be determined based on the extension communication. A merchant ID is associated with the captured merchant URL is determined based on a comparison of the captured merchant URL and a plurality of verified merchant URLs. An available offer is retrieved based on the merchant ID. The available offer is displayed on the client device. An offer enrollment request from the browser extension of the client device is received. A user offer enrollment is transmitted to an issuer system.

Abstract: An approach for transforming a large dataset using user interface-based transformations applied to a sample of the dataset is disclosed. The sample of the large dataset has the same or similar format as the large dataset. A user can quickly apply transformations to the sample dataset using UI-based instructions. The UI-based instructions can be used to create a transformation job that can be configured to run on a backed database, such as a distributed database, to apply the transformations to the large dataset.

Abstract: A method that includes receiving a string from a remote station, the string associated with an interaction event between a user and the remote station, is provided. The method includes verifying that the string includes a content validation for a user account in a network service, mapping at least a portion of the string to a ticker symbol associated with an entry in a database and transmitting, to the user, a message indicating that a fractional value associated with the ticker symbol has been added to the user account in the network service. A system configured to execute the above method is also provided.

Abstract: Methods, systems, and media for protecting transactions with secure payment authorization channels are provided. In some embodiments, methods, systems, and media can provide secure payment authorization channels for protecting transactions in connection with the transmission of a digital asset.

Abstract: A system, method, and computer-readable medium are disclosed for management of a distributed ledger technology customer loyalty program, by establishing a distributed ledger technology network of customer and entity nodes. The entity nodes support products and/or services purchased by customers, providing a distributed ledger technology platform accessible by the nodes. Transactions between nodes go through the distributed ledger technology platform. A distributed ledger technology ledger which tracks the transactions. Coins/credits are provided to customers based on their transactions.

Abstract: There are provided systems and methods for reducing account churn rate through intelligent collaborative filtering. A user may utilize an online account with the service provider to perform various actions and generate account usage data, such as usage of various service subcategories of the service provider or different subcategorizations for the user. Based on the current user's usage of services and other subcategorizations of the user, the user may be compared to other past users that have left the service provider utilizing collaborative filtering for matching users and user vectorization. For example, a matrix of the past users may be made based on the number of matching user that fall into the same categorizations. Each row of the matrix may be vectorized and compared to current user. If this comparison indicates potential attrition of the account, a remediation action may be taken.

Abstract: The invention enables optimizing performance of a recommendation server. The invention comprises (i) receiving a first set of customer information corresponding to a first set of events recorded in a first time period in which the recommendation server operates in a first configuration state, (ii) generating a first performance evaluation score based on the first set of customer information, (iii) reconfiguring the recommendation server to operate in a second configuration state having a second performance evaluation score associated therewith, and wherein said second performance evaluation score is generated based on a second set of customer information corresponding to a second set of events recorded in a second time period in which the recommendation server operates in the second configuration state and (iv) transmitting to a terminal device, one or more electronic offers selected for transmission to the customer by the recommendation server operating in the second configuration state.

Abstract: A device may receive transaction information related to a transaction that an individual is completing. The transaction information may identify a location of the transaction and the individual that is completing the transaction. The device may determine, prior to completing the transaction and based on data from a sensor of a transaction terminal or from a user device associated with the individual, that the individual did not use a benefit account associated with the location in association with completing the transaction. The benefit account may be a rewards account, a loyalty account, or a discount account. The device may perform an action to facilitate use of the benefit account in association with completing the transaction. The action may be performed prior to completing the transaction. The device may perform another action to complete the transaction after performing the action to facilitate use of the benefit account.

Abstract: Herein disclosed are systems and methods for distributing fractional equity rewards to users of a loyalty platform based on tracked user loyalty purchases. The disclosed systems and methods may reduce time between a user loyalty purchase and distribution of a fractional equity reward determined based on the user loyalty purchase. In one example, by maintaining a pre-purchased supply of shares within an inventory account of the loyalty platform, and by distributing fractional equity rewards to user accounts on the loyalty platform from the pre-purchased supply, a reduction in reward distribution time may be enabled. Further, by maintaining the pre-purchased supply of shares of stock within the inventory based on a running average rate of fractional equity reward distribution, and predicted events, the amount of stock in the inventory may be intelligently controlled to reduce excess inventory, while reducing a probability of reward distribution delay.

Abstract: In some embodiments, a request may be received from a customer via an interface, wherein the request indicates (i) a social media stream associated with the customer to be monitored for instances of investment triggering content (ITC). A customer account of the customer may be configured based on the request. The social media stream may be monitored for instances of ITC based on the customer account configuration. Responsive to the monitoring detecting an instance of ITC, a first amount may be withdrawn from the customer account, and a purchase of a quantity of shares of an investment fund may be executed on behalf of the customer using the withdrawn first amount.

Abstract: The invention relates to a method for controlling an online service outside the vehicle by means of an operating device of a motor vehicle, comprising the steps: Determining an operating input performed by a user on the operating device and selecting one of several service functions of the online service depending on the operating input. This selection possibility should be adapted to the vehicle type-dependent operating concept of the motor vehicle. The operating elements available on the operating device are determined and converter data, which contain a control instruction for controlling the selection of the service function depending on operation signals of the determined operating elements, are provided. The selection of the service function then takes place depending on the operating element operated during the operating input and depending on the converter data.

Abstract: Systems and methods to implement a platform for investing allow customers to purchase shares of investment funds using a balance in a closed-loop stored-value account, a financial account, and/or both. Part of a balance is (periodically or automatically) withdrawn, and used to fund the purchase. Purchases may be triggered by predetermined and specified content and/or activity occurring in a social media stream associated with a customer. Withdrawals from multiple customers may be aggregated into a single periodical transaction.

Abstract: Techniques for providing a resource processing method and apparatus are described. One example method includes first resource data of a user is obtained from a first service platform. Second resource data of the user is obtained from a second service platform. Incremental processing data is generated based on at least the second resource data using the first resource data. A first transfer request is transmitted including the generated incremental processing data and an indication to a second service provider to instruct the second service provider to transfer a resource matching a value of the generated incremental processing data to a resource pool.

Abstract: Techniques are described for tracking users of a service, and identifying designated users based on various criteria. Criteria for identifying designated users can include whether the users registered for the service prior to a deadline, and/or whether the users are among the first predetermined number of users to register. Designated users can also be identified based on activities performed by users through the service. Value, such as at least a portion of a share in an entity associated with the service, can be transferred to each of the designated users (e.g., through a network transfer) based on the evaluation of parameters such as whether the number of designated users reaches a predetermined threshold number, and/or whether the number of designated users reaches the predetermined threshold number no later than a predetermined deadline.

Abstract: A device may receive transaction information related to a transaction that an individual is completing. The transaction information may identify a location of the transaction and the individual that is completing the transaction. The device may determine, prior to completing the transaction and based on data from a sensor of a transaction terminal or from a user device associated with the individual, that the individual did not use a benefit account associated with the location in association with completing the transaction. The benefit account may be a rewards account, a loyalty account, or a discount account. The device may perform an action to facilitate use of the benefit account in association with completing the transaction. The action may be performed prior to completing the transaction. The device may perform another action to complete the transaction after performing the action to facilitate use of the benefit account.

Abstract: Systems and methods to implement a platform for investing allow customers to purchase shares of investment funds using a balance in a closed-loop stored-value account, a financial account, and/or both. Part of a balance is (periodically or automatically) withdrawn, and used to fund the purchase. Purchases may be triggered by predetermined and specified content and/or activity occurring in a social media stream associated with a customer. Withdrawals from multiple customers may be aggregated into a single periodical transaction.

Abstract: Methods and systems for receiving purchase transaction data and identifying the purchase transactions that qualify for customer rebates. In an embodiment, a transaction clearing computer of a payment processing network receives the purchase transaction data from a plurality of acquirer financial institutions. A rewards system computer of the payment processing network identifies individual purchase transactions that qualify for customer rebates pursuant to rewards programs and based on the purchase transaction data, and then initiates crediting of rebate amounts from acquirer financial institutions to payment card accounts of cardholders at issuer financial institutions. The rewards system computer also initiates charging of the rebate amounts to merchant accounts of merchants associated with the individual purchase transactions that qualified for customer rebates.

Abstract: A technique for determining and presenting marketing scenarios based on market characteristics are described herein. The technique includes receiving data regarding market environment and an expected change in the market environment. A number of market characteristics are calculated based on the collected data for a number of alternative marketing scenarios for addressing the change. A number of graphical objects corresponding to the marketing scenarios are displayed in a coordinate system to show correlation between a number of selected market characteristics. A number of additional components are assigned to the graphical objects to indicate additional characteristics of the presented marketing scenarios.

Abstract: A method and system for verifying cardholder compliance or non-compliance with a mandated services requirement by a third party using a payment card payment card network coupled to a database are provided. The method includes receiving sets of predetermined parameters that each define a transaction for one or more mandated services, receiving, by the computer device, transaction data for a plurality of transactions, determining, by the computer device, transactions for one or more mandated services from the plurality of received transactions using the received sets of parameters, summarizing the transaction data from the determined transactions, and transmitting the summarized transaction data to the third party, the summarized transaction data demonstrating cardholder compliance or noncompliance with the mandated services requirement.

Abstract: A gaming system includes: (i) a base wagering game requiring a wager to made by a player; (ii) at least one winning outcome for the base wagering game; (iii) a paytable for the at least one winning outcome; a secondary award provided randomly to the player, the secondary party award provided by a secondary award provider and kept separate and apart from the paytable; and (iv) advertising for secondary award provider, the advertising provided in exchange for the provision of the secondary award.

Abstract: The UNIVERSAL VALUE EXCHANGE MULTIPOINT TRANSACTIONS APPARATUSES, METHODS AND SYSTEMS (“UVEMT”) transform cross-ecosystem currency exchange instructions via UVEMT components into cross-ecosystem currency exchanges. In one embodiment, the UVEMT may obtain a cross-ecosystem currency exchange instruction and determine one or more sources and destinations based on parsing the cross-ecosystem currency exchange instruction. The UVEMT may identify currency types associated with the sources and the destinations and determine exchange rates of the currency types relative to a standard currency. In one implementation, the UVEMT may obtain currency exchange restrictions and conditions associated with the sources and the destinations and generate a currency exchange flow path for currency transfer from the sources to the destinations.

Abstract: An electronic lockbox system includes a wireless portable transponder that communicates with an electronic lockbox using a low power radio link. The portable transponder includes: a wide area network radio to communicate to a central clearinghouse computer, a motion sensor to activate its wide area network radio, and a connector to communicate with a secure memory device. The electronic lockbox sends a hail message that is intercepted by the portable transponder; the hail message includes identification information. The portable transponder responds with a message that includes a time sensitive encryption key; the lockbox authenticates this response message using its own time sensitive encryption key. If an electronic key is used to access the lockbox, the improved system effectively disables the electronic key during a showing, so that the electronic key cannot be used to access another lockbox until the correct dwelling key has been placed back into the lockbox.

Abstract: A computer implemented method, system, and software for calculating and using an intraday indicative value of a leveraged Bullish or Bearish exchange traded fund (“ETF”) for arbitrage purposes, includes calculating an intraday current value of all the equity securities in the ETF (applicable only to Bullish ETFs), calculating mark to market gains or losses of at least one derivative product, and retrieving an accumulated loss or gain of the at least one derivative product and other cash equivalent amounts. The intraday indicative value of the ETF is determined by combining the calculated intraday current value of all the equity securities (applicable only to Bullish ETFs), the accumulated loss or gain, the mark to market gains of the at least one derivative product and other cash equivalent amounts. The determined intraday value of the ETF is used, by a party, for arbitrage purposes.

Abstract: A long term goal oriented commercial promotion system is disclosed. A user is enabled to set up a trust account on the system to accumulate the financial incentives under the condition of a long term goal. The long term goal includes supporting college education, supporting retirement, staring a business, or patenting an innovation. A user performance includes various commercial activities required by a merchant.

Abstract: A system and method for providing a commercial game that poses questions to a user related to advertisements that the user views or listens to using a multimedia device such as a computer connected to the Internet. Points may be awarded to the user based on the number of questions answered correctly, the number of advertisements viewed, the length of time advertisements are viewed, the number of attempts at answering each question before providing the correct answer, or other advertiser-selected criteria. Points earned by the user are immediately redeemable for services such as subscription services, movies downloads, Pay-Per-View credits, or for any other tangible or intangible good, service, or reward representing a monetary value. If the user provides an incorrect answer to a question, the user is permitted to watch the advertisement multiple times until a correct answer is provided and points are awarded.

Abstract: A system of advertising on the Internet, including: an on-line system for sellers of future advertising space to create advertising contracts; an on-line system for presenting the advertising contracts to purchasers of advertising space; an on-line system for the purchasers of future advertising space to select the sellers' advertising contracts; a system to integrate purchased advertising contracts to a delivery mechanism that displays purchasers' advertising in the sellers advertising space; and a system for transferring funds from the purchasers to the sellers after completion and audit of the advertising contracts.

Abstract: A system and method of operating a rewards program through a financial institution for granting rewards to customers enrolled in the rewards program wherein the customer receives one or more reward credits in an account associated with the financial institution if the customer meets certain qualification criteria. The method may include determining if the account qualifies for an award credit; assigning a reward credit to the account; receiving purchase information regarding a purchase made at a merchant associated with the customer's account; identifying from the purchase information whether the purchase was made at a qualifying merchant; and applying the reward credit towards the purchase made by the customer at the qualifying merchant by applying a reward credit to the customer's account based upon the business rules applicable to the reward program.

Abstract: A computer system is provided. The computer system includes a computing processor configured to process data for share creation and redemption and near-real time share valuation for an Exchange Traded Fund (“ETF”) that invests in at least one derivative product. The computing processor is also configured to create an intraday indicative value (“IIV”) file for the ETF based on the data processed, the IIV file including an accumulated change in value of the at least one derivative product in which the ETF invests. The accumulated value includes a gain or loss of the at least one derivative product during a previous trading day. The computer system further includes a publication processor configured to publish the IIV file to an authorized participant such that the authorized participant can utilize the IIV file to calculate an intraday indicative value of the ETF.

Abstract: A retailer computer system receives from a first computing device a shopping recap having data indicative of one or more products that were shown to a customer by the sales associate while the customer was within a retail establishment. The received shopping recap is stored within a data repository where it is linked to a customer identifier that is associated with the customer and an associate identifier that is associated with the sale associate. If the customer later purchases a product, data indicative of the product being purchased is compared against data within any shopping recap that is linked to that customer to determine if a sales associate that is also linked to any shopping recap linked to that customer is to be awarded a commission for the product being purchased. The purchase of the product by the customer may further generate a digital receipt where the digital receipt includes a notice that the customer is being awarded an incentive, such as a coupon.

Abstract: Application customizable to enable administrators of various reward/loyalty programs to control communications to members. In one embodiment, an administrator is enabled to configure various rules corresponding to an event with the application of the rules to a member information identifying which ones of multiple contents is to be sent to which of the members using which one of different channels. The rules are then stored in a non-volatile memory. On identifying the occurrence of the event, the rules, and the member information are examined to determine that a first and a second content are to be sent respectively to a first and a second member using a first and second channel. Accordingly, the first content is sent to the first member using the first channel and the second content is sent to the second member using the second channel.

Abstract: In various embodiments, pollution is reduced by associating a pollution credit with a consumer product or service. The pollution credit is transformed into points and purchasing the product or service earns the points. The points may be accumulated and redeemed for value, thus retiring the pollution credit.

Abstract: Purchase rewards account holders accumulate rewards currency. A network-based investment management system allows account holders to purchase shares in investments using reward currency. When all the shares for a particular investment have been purchased, the underlying investment is acquired. Account holders owning shares in an investment may sell shares to other account holders through system. Account holders are thereby able to invest their rewards dollars in investments typically requiring cash or cash equivalents and to grow their rewards currency.

Abstract: A system and method for providing incentives to consumers to share their consumer information with third parties is provided. According to one aspect of the present invention, a method is provided which includes the steps of: accepting consumer information; storing the consumer information; requesting permission from the consumer to share their consumer information with a third party; and offering the consumer a selected incentive in exchange for their permission to share their consumer information.

Abstract: A system and method of providing promotional rewards of stock in a company to customers who engage in a promotional activity, wherein the promotional reward is a fractional share of stock that is transferred to the customer.

Abstract: A system for an Internet-based retail and investment platform includes a bank application and a retail market platform. All transactions between the bank application and the retail market platform utilize a system specific currency, which is issued by the bank. Customers open bank accounts with funds in the system specific currency and make payments for the purchase of goods and services offered through the retail market platform with the system specific currency. Goods and services are offered at a discounted price by the merchants that subscribe to the retail merchant. The discount is based on the difference between retail price and wholesale price. In return for the discount, the merchants receive access to value-added services. The discounts generate profits that are distributed to the system users as dividends.

Abstract: In the described systems and methods for information lifecycle cross-system reconciliation, a number of reconciliation indicators for a certain type of data are defined. A first set of values of the reconciliation indicators are calculated at a first computer system based on data stored in a memory of the first computer system. A second set of values of the reconciliation indicators are calculated at a second computer system based on data transferred from the first computer system. The two sets of values are received at reconciliation cockpit and stored in a reconciliation data structure. Further, the reconciliation data structure is examined to identify inconsistency between the data stored in the memory of the first computer system and the data transferred to the second computer system. If such an inconsistency is identified, the data transfer is cancelled. If inconsistency is not identified, the data transfer is confirmed.

Abstract: A display information verification method, when display data of financial data is generated from the financial data and scripts for the financial data, includes: searching the scripts for an arithmetic instruction to process a numeric value in the financial data or a conversion instruction to convert a character string included in the financial data; and judging whether or not the arithmetic instruction or the conversion instruction detected in the searching is an instruction considered to manipulate the financial data. Thus, it is possible to detect the instruction considered to manipulate data from the scripts, and to avoid display including the manipulation of the data. In addition, for example, by using information of the instruction, which is stored inside in advance and is allowed to be used, it is possible to detect only the arithmetic instruction or the conversion instruction, which is not allowed to be used.

Abstract: Disclosed are a system and a method for accumulating, as funds for individual annuities for each customer, points acquired as a result of goods purchased at participating stores by customers who have concluded contracts to make payments by credit card. A system management computer (1) can communicate with terminals (4) of participating stores and comprises a contract holder information database that stores attributes of contract holders, a participating store information database that stores attributes of the participating stores and participating store point reduction rates, and an annuity-conversion point information database that stores information pertaining to funds for individual saved annuities.

Abstract: Purchase rewards account holders accumulate rewards currency. A network-based investment management system allows account holders to purchase shares in investments using reward currency. When all the shares for a particular investment have been purchased, the underlying investment is acquired. Account holders owning shares in an investment may sell shares to other account holders through the system. Account holders are thereby able to invest their rewards dollars in investments typically requiring cash or cash equivalents and to grow their rewards currency.

Abstract: Apparatus and methods for providing a banking service are provided. The method may use an electronic information processing platform. The method may include storing, in a computer memory, information relating to a current balance in a first customer account. The method may also include storing information relating to a retirement balance. The retirement balance may be a projected balance that will be present in the first customer account upon the customer's retirement. The method may further include storing information relating to a period of time. The period of time may relate to a time span that spans from a predetermined pre-retirement date to a customer's projected retirement date. The systems and methods of the invention may also include activating a series of withdrawals. The series of withdrawals may withdraw funds from the first customer account and deposit the withdrawn funds in a second customer account.

Abstract: An electronic lock box system that includes a central computer, which allows “listing agents” (if used in a real estate sales environment) to custom tailor a survey questionnaire that relates to features connected with the potential sale or lease of a property, and thereby garner feedback information from potential buyers (or lessees), or at least from “showing agents” that represent potential buyers/lessees. To improve response rate, the listing agent can add incentives to other agents who provide useful feedback. Furthermore, the system can be configured such that reciprocal feedback is necessary in order for a participating agent to see feedback about his or her own listings.

Abstract: A process of controlling transaction cards to provide benefits of a rewards program contribution to a venture fund, which serves to identify potential investors through an application process for financial transaction card offerings, allowing recipients of the venture card to make purchases of products and services using the venture fund card, and taking a portion of the transaction value of a transaction to be used by one or more venture funds. Venture fund card activity statements to individual cardholders can include additional information regarding fund or funds in which the cardholder has invested or potential investment opportunities. Cardholders could be provided with an option to increase holdings in a particular venture fund associated with the venture fund card, or to liquidate investments in the associated venture funds.

Abstract: A marketing optimization module automatically obtaining multi-dimensional marketing data from a market client. The marketing optimization module automatically organizes at least a part of the multi-dimensional marketing data into one or more marketing categories. The marketing optimization module then analyzes all of or a part of the multi-dimensional marketing data to facilitate the optimization of a marketing investment.

Abstract: The invention is a contact, calendar, workflow, and intelligence gathering application that allows a user, such as a financial advisor to collect, codify and analyze objective and subjective data regarding clients, corporate/institutional accounts, contacts/prospects, financial products and market trends. The invention assists a financial advisor in batch calling, scheduling work, delegating tasks and facilitating associative intellect, allowing a user to test hunches or “wispy thoughts” to discovery client and market trends.

Abstract: Systems and methods are disclosed for maintaining building serviceability information for geographic locations. The disclosed systems and methods may include forming a future market in which the product developments lines are equated to stocks. Furthermore, the disclosed systems and methods may include determining participants in a trading session of the future market and setting rules governing how the trading session in the future market will operate. Moreover, the disclosed systems and methods may include opening the trading session for the participants, closing the trading session for trading and evaluating market session trends and participant purchases to determine the priority of a product line in relation to other product lines.

Abstract: Systems and methods of redeeming reward points for cash and depositing the cash to a checking or savings account of a user is presented. In some arrangements, the user will input account information relating to one or more checking or savings accounts. The information may be stored by the system. The user may select to redeem some or all of the reward points in his or her reward account balance as cash. Upon selection of this option, the user may select one or more of the saved accounts to which the funds will be deposited. In some arrangements, the redemption may occur automatically upon occurrence of a triggering event or meeting a predetermined threshold.

Abstract: This invention relates generally to electronic commerce (e-commerce) systems and media platforms, for use with both mobile and non-mobile systems, to deploy virtual advertising and promotion via the use of electronic coupons, and more particularly a method and system for aggregating and distributing carbon reduction credits in connection with the creation and/or use of electronic coupons or virtual electronic rebates (VeeBates) and permitting individuals and groups within one or more social communications networks to participate in and transmit information to others about their activities related to the virtual advertising, incentives, redemption and promotion and aggregate carbon credits in connection therewith, either as part of the incentive or aggregation by the incentive promoter as part of its activities in reducing its carbon footprint.

Abstract: In general, the invention relates to a method of tracking purchases for a consumer using a unique identifier associated with the consumer. The method includes receiving first itemized data and the unique identifier from a first merchant system of a first merchant, where the first itemized data includes each item purchased in a first transaction associated with the consumer. The method further includes receiving second itemized data and the unique identifier from a second merchant system of a second merchant, where the second itemized data includes each item purchased in a second transaction associated with the consumer. The method further includes storing the first itemized data and the second itemized data based on the unique identifier to obtain aggregated itemized data, where the aggregated itemized data is categorized at an item level.