Abstract: Aspects of the subject disclosure may include, for example, a method that includes obtaining media content, analyzing the media content for an advertisement insertion space, receiving a request for the media content from equipment of a user, obtaining a profile for the user, determining a location of the user, determining a time of a delivery of the media content, determining an advertising insertion for the advertising insertion space based on the profile of the user, the location of the user, and the time of the delivery of the media content, and inserting the advertising insertion into the media content in place of the advertisement insertion space to generate modified media content. Other embodiments are disclosed.

Abstract: Methods, computer program products, and systems are presented. The method computer program products, and systems can include, for instance: filtering in geofence users within an area of a geofence to determine a count of qualified in geofence users within an area of a geofence; comparing the count of qualified in geofence users within an area of a geofence to a threshold and activating a notification sending process based on a result of the comparing; based on the activating and outputting to the qualified users a notification based on the filtering; and disabling the notification sending process based on a disabling criteria being satisfied.

Abstract: A method and a device for recommending user information are provided. According to an example, the method includes: an identification of a consumption coupon of a first user is received; a corresponding shop identification is obtained based on the identification of the consumption coupon; a second user is determined based on the shop identification; user information of the second user is obtained and the user information of the second user is recommended to the first user.

Abstract: Methods, computer program products, and systems are presented. The method computer program products, and systems can include, for instance: adjusting a transmission parameter associated to a notification process for outputting a notification; determining a priority of users currently within an area of interest, the area of interest including an area of a venue; and outputting the notification to a subset of the users based on the adjusting and the determining.

Abstract: The present disclosure relates to a mobile advertisement system and a method of advertisement using the mobile advertisement system. In certain embodiments, mobile advertisement system includes: a mobile advertisement server and one or more mobile advertisement delivery systems. The mobile advertisement server registers many advertisers and subscribers, receives various advertisements and their corresponding delivery instructions from advertisers, and dispatch advertisements and delivery instructions to the subscribers. Each of mobile advertisement delivery systems corresponds to one of registered subscribers, and is connected to mobile advertisement server. Each mobile advertisement delivery systems receive advertisements and delivery instructions from mobile advertisement server, and displays advertisements on respective mobile advertisement display device according to corresponding delivery instructions.

Abstract: In an implementation, guiding a service flow is described. Historical behavior data of one or more users who use a target service is obtained for the target service. The historical behavior data is analyzed to obtain one or more user features. One or more target users are selected from one or more users who do not use the target service based on the one or more user features. Each target user has at least one of the one or more user features. Service flow guiding information is sent to each target user. The service flow guiding information guides each target user to use the target service.

Abstract: Devices, computer-implemented methods, and computer-readable media for the redemption of merchant offers, such as online coupons, are provided. In some embodiments, online coupons may be provided in a native application of a mobile user device. When a user selects to use an online coupon, a coupon code box having a coupon code associated with the selected coupon may visually move from a first location to a second location of the native application, and a merchant website may be displayed in the native application. Additionally, in some embodiments, a user may drag-and-drop a coupon code box to an input field of a merchant webpage. Movement of a visual copy of the coupon code box may be animated along the drag path. Upon a drop of the coupon code box, a value of the coupon code may be entered into the input field.

Abstract: A system and method in accordance with example embodiments may include providing functionality triggers to a consumer's mobile device in response to using a payment card in order to make a purchase. Functionality triggers may include account functionality, rewards functionality, social networking functionality, and offer or advertisement functionality to be performed on a consumer's mobile device.

Abstract: A method, apparatus, and computer program product are disclosed for receiving redemption selections from a consumer and scheduling redemption of a promotion. The method includes presenting one or more promotions for products or services offered by a merchant, and receiving an indication of a selection, by a consumer, of a promotion from the one or more promotions. The method further includes presenting one or more time slots based on predicted booking limits of a set of time slots including the one or more time slots, receiving a selection of a time slot from the one or more time slots, determining merchant time slot availability for the selected time slot, and scheduling a time slot for redeeming the promotion based on the determined merchant time slot availability. A corresponding apparatus and computer program product are also provided.

Abstract: The transaction processing system and method provide an efficient and effective way to authorize promotion redemption. The transaction processing system may receive an indication of a request for authorization, the indication comprising a merchant identifier, an account number, and a transaction amount. The transaction processing system may determine whether the request for authorization corresponds to a promotion. The system may further transmit a transaction authorization based on whether the request for authorization corresponds to the promotion. The transaction processing system may cause a promotion database to designate the promotion as redeemed. In this fashion, the transaction processing system improves the consumer experience and minimizes the transaction time needed to identify and redeem a promotion.

Abstract: A method, apparatus, and system are directed towards providing advertisement insertions at a point of consumption into digital content, such as broadcast television content. A content provider may initially mark the content for advertisement insertion, and create a metadata file indicating constraints, targets, expirations, or the like. A downstream user employs a plug-in component and provides an initial user profile, in part, to access the content with advertisements. As the content is played, and an advertising marker is encountered, fast forwarding or other skipping features are disabled, and an advertisement stream is spliced into the content stream. The advertisement stream is determined based on the user profile and/or other metadata. Moreover, the advertisement stream may be obtained over a network such that advertisements may be refreshed even years after the content has been acquired by the user. In one embodiment, the advertisement consumption may be tracked and reported.

Abstract: A computer-implemented method for annotating online content with offline interaction data and offline interaction conversion data is implemented by a content annotating computing device in communication with a memory. The method includes receiving a set of content interaction data based on an online interaction between an online user and a first online content item, identifying at least one physical location associated with the online content provider, determining a set of offline interaction conversion data based on the set of content interaction data and a set of offline interaction data, receiving a second online content item associated with the online content provider, and annotating the second online content item based at least partially on the set of offline interaction conversion data and the set of offline interaction data.

Abstract: A method, apparatus, and computer program product are disclosed to improve selection of promotion pricing parameters. The method may determine one or more promotion pricing parameters for a promotion that is offered by a promotion and marketing service. The method includes generating one or more predictive models based on historical promotion performance data and generating a revenue equation using the one or more predictive models. The revenue equation provides an estimate of a revenue received by the promotion and marketing service based on the one or more predictive models. The method further includes determining an estimated revenue using the revenue equation based on one or more input sets of promotion pricing parameters provided as input to the revenue equation, and selecting at least one of the input sets of promotion pricing parameters for the promotion based on the estimated revenue. A corresponding apparatus and computer program product are also provided.

Abstract: Systems and methods for providing purchase recommendations include determining a shopping list including a plurality of items associated with a customer. The financial information that is associated with the customer is retrieved from a non-transitory memory. At least one selected item from the shopping list is determined based on the financial information. A purchase recommendation including the at least one selected item is generated. The purchase recommendation is provided for display on at least one customer device.

Abstract: A change management system for facilitating a marketing partner's transition from a reimbursement co-op model to a co-pay co-op model is disclosed. In particular, the system may incorporate an existing reimbursement co-op process utilized by a brand into a software platform. The reimbursement co-op process may enable a marketing partner to request pre-approval for a marketing activity or submit a claim for reimbursement for marketing activities performed for the brand. The system may also incorporate a co-pay co-op process into the software platform that includes pre-approved and pre-loaded marketing campaigns and assets for the brand. The marketing partner may be given the option to participate in the reimbursement co-op process or the co-pay co-op process to obtain reimbursements for performing marketing activities for the brand. The system may facilitate selection of the co-pay co-op process by providing greater incentives for selecting the co-pay co-op process versus the reimbursement co-op process.

Abstract: Methods and systems for managing healthcare cost are disclosed. A method includes receiving, one or more employee preference inputs from an employee for accessing medical services. The one or more employee preference inputs include at least one medical service and location of the employee. The method includes accessing, a plurality of pricing from plurality of medical service providers in predefined region of the location. The method includes accessing, a reward program selected by an employer. The reward program includes at least reward reference percentage and a savings share percentage. The method includes determining, a reference pricing for the at least one medical service based on the reward reference percentage and the median pricing. The method includes determining, differential pricing for each medical service provider by comparing with a corresponding pricing offered. Thereafter, the method includes calculating, reward incentive based on the differential pricing and the saving share percentage.

Abstract: A method, apparatus, and computer program product are disclosed to improve utilization of fine print for a document. An example method includes receiving information identifying a location and a domain associated with the document, and identifying, based on the received location and domain, a set of fine print clause data structures relevant to the location and the domain. The method further includes transmitting an indication of the set of identified fine print clause data structures to the developer device, and receiving an indication of a selection of a subset of the set of fine print data structures. Finally, the method includes causing generation of a visual representation of the document that displays fine print clauses corresponding to the subset, wherein the location of the fine print clauses in the visual representation is based on a categorization of the fine print clause data structures corresponding to the fine print clauses.

Abstract: Systems and methods to manage a crowd sourced observation program. A plurality of participant cameras are determined where each participant camera is within a threshold distance of a geographic location for observation. An accepting participant camera is selected. Based on selecting the accepting participant camera, a cancellation of the offer is sent to each participant in the plurality of participants other than the accepting participant. Based on selecting the accepting participant camera, the accepting participant camera is instructed to go to the geographic location for image capture. The image capture is received.

Abstract: The unified payment system, product and method provide an effective and efficient way to better communicate to a merchant the value of running a promotion and determine a deal structure that works for the merchant, the customer, the promotion system, or any combination thereof. The unified payment system, product and method provide real-time ROI calculations that a merchant and sales representative can collaboratively simultaneously work on to identify a deal structure for the merchant to select. In this way, the merchant and sales representative may arrive at a mutually acceptable payment plan.

Abstract: The present disclosure relates to a system and method for reminding users to use, and for tracking usage of, reusable container and carry products such as reusable bags, boxes, cups, cup sleeves, and bottles, especially for food and beverages. In an aspect, the system and method provides an identification module which may be attached to or embedded within a reusable container or carry product. The identification module is preferably adapted to be detected by or be operatively connect to a mobile communication device such as a smart phone, smart watch, tablet, or some other device form factor. An app provided on the mobile communication device is used to provide a schedule or location based reminder to use the reusable product, and may track usage and environmental impact for an individual user or a group of users. Promotional incentives, rewards, and pre-payment options may be provided.