Abstract: The present invention generally relates to a system, method, and computer program for providing coupons and cash back in electronic commerce. Specifically, electronic coupon code(s) are tested against various retailer websites to ascertain the best combination and automatically applied into a user's cart during electronic checkout. Various embodiments of the present invention also provide the user-less tracking of an affiliate purchase in order to apportion user cash back without first requiring the creation of a user account.

Abstract: A change in a weighting coefficient for an explanatory variable in an objective function used to optimize a target is received, and the target is optimized based on the objective function to which the changed weighting coefficient has been applied.

Abstract: Methods, systems, and apparatuses may provide for the auto-determination of partial usage of a physical environment and use derived intelligence to take various actions. This may allow for partial resulting maintenance of the physical environment based on a single use or use over time.

Abstract: Techniques and arrangements for concurrent processing of payments to multiple merchants in a shared program are described. A method, performed by a service computing device, can include receiving customer information associated with two transactions of a customer with two respective merchants that are in a shared program. Accrued benefits of the customer for conducting the two transactions in accordance with the program can be determined. The accrued benefits can be communicated to the customer via a customer device. The payments for both transactions can be processed, concurrently, in accordance with the accrued benefits. In examples, the merchants may be associated in the shared program based on locations of the merchants, a type of merchant, and/or goods or services offered for sale by the merchants.

Abstract: An on-line marketplace provides systems and methods for a mutually beneficial messaging campaign with one or more merchants, in order to promote the merchants' products. One aspect of the messaging campaign includes augmenting the merchants' budgets across multiple commercial channels. The channels may include merchant-operated channels, marketplace-operated channels, and/or third party channels. The marketplace selects when and how to augment the merchants' budgets. The augmented budget comprises an overall content budget for the messaging campaign, including a first budget portion provided by the merchant(s) and a second budget portion provided by the on-line marketplace. The augmented budget may be determined based on a weighted combination of goals of the marketplace and one or more merchants. The augmented budget may be segmented into static and dynamic portions, in which the dynamic portion is varied between channels to determine variables to optimize budget allocation and message performance.

Abstract: A training process of a machine learning model is executed at the edge node for a number of iterations to generate a model parameter based at least in part on a local dataset and a global model parameter. A resource parameter set indicative of resources available at the edge node is estimated. The model parameter and the resource parameter set are sent to a synchronization node. Updates to the global model parameter and the number of iterations are received from the synchronization node based at least in part on the model parameter and the resource parameter set of edge nodes. The training process of the machine learning model is repeated at the edge node to determine an update to the model parameter based at least in part on the local dataset and updates to the global model parameter and the number of iterations from the synchronization node.

Abstract: A technique is disclosed for providing an interactive digital receipt on a user device, where the receipt offers transaction information associated with a financial transaction and one or more interactive components including an interactive tipping component that allows a customer to add a gratuity amount for the financial transaction. The interactive digital receipt is generated in response to an occurrence of the particular financial transaction. In one embodiment, the interactive tipping component is time-based and is associated with a timeframe that defines a time period for which the customer may submit the gratuity amount. Based on determining that no input to the interactive tipping component has been received within the timeframe, a payment is processed for a transaction amount and a default gratuity amount.

Abstract: The invention relates to a method for monitoring a passenger of a vehicle in which it is detected if informational content perceptible in the vehicle is being output, and recognition data on output informational contents are recorded. The method provides that a conversation in the interior of the vehicle is recorded using a microphone in the interior of the vehicle, at least during or for a time interval after the outputting of the informational content, an analysis is performed of the recorded conversation that was held while or for a time interval after the informational content was output, and by using the conversation analysis and the recorded recognition data of the informational content output during or before the conversation, it is detected whether the output informational content was perceived by a passenger of the vehicle.

Abstract: In general, methods and system for modeling the incremental value of a response to different types of treatment are disclosed. Some examples include modeling discount sensitivity for specific guests. One aspect is a method for modeling incremental sales for a retail enterprise which includes generating a proxy campaign. In some embodiments, the proxy campaign is used to train an uplift model to predict an uplift score for each guest in response to a proposed campaign. In some embodiments, the uplift score is used to select guests for the proposed campaign.

Abstract: Methods, apparatus, systems, and articles of manufacture to perform computer-based monitoring of audiences of network-based media using information theory to estimate intermediate level unions are disclosed. An example apparatus to determine a deduplicated, census-based audience metric of media includes panel union calculator circuitry to calculate a threshold statistic corresponding to an intermediate union of a panel hierarchy, and census union calculator circuitry to calculate a deduplicated audience value corresponding to the intermediate union of the census hierarchy based on the threshold statistic.

Abstract: In some implementations, a system may receive information that identifies a plurality of locations of a user device. The system may determine, based on the plurality of locations, that the user device is traveling along a route associated with a vehicle. The system may determine route information that indicates a plurality of disembarkation points along the route. The system may determine that reception of location information from the user device has failed, after determining that the user device is traveling along the route. The system may identify a set of disembarkation points based on determining that reception of location information from the user device has failed and based on a most recent location of the user device. The system may determine a disembarkation point, from the set of disembarkation points, to be used as an endpoint of the route.

Abstract: A system provides for digital issuance of surety bonds and corresponding powers of attorney to eliminate fraud using multiple security layers, and includes a server communicating with client devices of: surety companies, agents, contractors, and obligees. A surety company accesses a GUI to grant power of attorney to an agent; the agent accesses a GUI to prepare a digital bond for the contractor. The draft bond is signed digitally by the agent and contractor in the closed system. The server generates and subsequently displays a unique identifier on both the executed bond and associated power of attorney, to act as a digital stapler to prevent subsequent fraudulent use of the power of attorney independent of that executed bond. An audit trail provided by the executed bond includes hyperlinks to: time-date stamps of the digital signatures; and IP Addresses of the client devices used for the digital signatures.

Abstract: A system for multi-factorial physiologically informed refreshment selection using artificial intelligence, the system comprising a computing device, the computing device designed and configured to retrieve a biological extraction pertaining a user, wherein the biological extraction contains an element of user data; select, a nutritional machine-learning model using the biological extraction; determine a geolocation of the user; identify a provider located within the geolocation of the user, wherein the provider generates a plurality of refreshment possibilities; determine the compatibility of the plurality of refreshment possibilities utilizing the biological extraction and the nutritional model; and display the compatibility of the plurality of refreshment possibilities.

Abstract: The present disclosure provides for management of impressions in advertisement campaigns. Impressions may be moved between different impression media based on performance metrics and historical data. Impression budgets may be modified in an active campaign based on forecasts determined using current performance data. Impression budgets may be reallocated between simultaneously active advertisement campaigns.

Abstract: Successful application of a coupon code on an e-commerce website is detected via network request tracking and page data tracking. Upon coupon application, the coupon code is stored, for example in a server-based database. The coupon code is then automatically applied to subsequent e-commerce purchases whose parameters match the requirements for the coupon. The coupon can be automatically applied to purchases made by the same user and/or other users, as applicable.

Abstract: Systems and methods for presenting a personalized value added offer during an advanced verification process are provided. An access control server may receive an enrollment verification request comprising data relating to an account holder. The server may determine an enrollment status of the account holder and determine a value added offer based on the account holder. The server may display an advanced verification interface for user input. The advanced verification interface may include the value added offer and/or a security credential prompt. The server may personalize the advanced verification interface and/or the value added offer based on monitoring the system and compiling historical transaction data.

Abstract: An example of a method for detecting hacking activities includes identifying one or more attributes of each interaction in a sequence of interactions between one or more users and bank services during a predetermined time period. The one or more users are categorized into a plurality of groups based on the identified attributes. Each of the plurality of groups includes users performing the sequence of interactions with the bank services during the predetermined time period. A degree of anomaly is calculated for each of the plurality of groups based on a total number of users associated with a corresponding sequence of interactions and based on a number of users associated with the corresponding sequence of interactions during the predetermined time period. The calculated degree of anomaly is compared with a predetermined threshold. Hacking activity is identified, in response to determining that the calculated degree of anomaly exceeds the predetermined threshold.

Abstract: This specification describes technologies relating to capturing an image. In general, one aspect of the subject matter described in this specification can be embodied in a device that includes a camera, a GPS receiver, and an application. The application is executed by a data processing apparatus that interacts with the camera, the GPS receiver, and one or more remote servers, to perform operations comprising: activating the camera; presenting, in a display of the device, a digital presentation of a document; guiding a user to capture an image of the document, including presenting, within the display, a user interface feature that visually frames a particular subset of information that is included in the document with other information; capturing the image of the document when the particular subset of information is focused in the camera's view; and uploading the captured image of the document to the one or more remote servers.

Abstract: Techniques and arrangements for generating multi-merchant loyalty programs and dynamically enrolling customers into a multi-merchant programs. The multi-merchant loyalty programs can be generated based on a determination that the merchants in respective programs are complementary, which may be done by determining that items offered for sale are complementary. One merchant can be associated with multiple multi-merchant programs. In some instances, a customer can be automatically enrolled in a multi-merchant loyalty program responsive to conducting a transaction with one of the merchants in the program. After enrollment, the customer can receive incentives to conduct transactions with the merchants in the program.

Abstract: A wallet server includes a processor including hardware. The processor is configured to acquire, from a plurality of terminals that are preset, evaluation information indicating an evaluation for a terminal other than an own terminal among the plurality of terminals, the evaluation information being generated by the own terminal, calculate reward amounts for the respective terminals based on the evaluation information, and deposit electronic money corresponding to the reward amounts to electronic wallets associated with the respective terminals.