Abstract: Embodiments implement multifactor authentication without a user footprint. An application programming interface call from a client application can be received that includes a messaging identifier. A transaction identifier can be transmitted to the client application and stored. Using a shared secret, a temporary password can be generated, where the shared secret can be associated with the transaction identifier and can be stored. The temporary password can be transmitted to the messaging identifier. A second application programming interface call can be received that includes a reference transaction identifier and input, where a user provides the input to the client application. The user can be authenticated when the reference transaction identifier matches a transaction identifier stored and the input matches an expected password that is based on a stored shared secret associated with the matching stored transaction identifier.

Abstract: A method is disclosed. One embodiment of the invention is directed to a method. The method comprises: prompting, by an access device, a user to enter an access code; receiving, by the access device, the access code from the user; transmitting, by the access device, the access code to a validation computer, which validates the access code; receiving, by the access device, an access identifier or access token from the validation computer in response to validating the access code; transmitting, by the access device, an authorization request message including the access identifier or the access token to an authorizing computer; and receiving, by the access device, an authorization response message from the authorizing computer.

Abstract: Systems and related methods facilitating interactions between a merchant device, a central system and a consumer device are discussed herein. Wallet identifying data may be used to secure messages between the consumer device and the merchant device over a wireless link. For example, the merchant device may include circuitry configured to wirelessly receive the wallet identifying data from a consumer device and to transmit the wallet identifying data to the central system. In response, consumer identifying data associated with the wallet identifying data may be received by the merchant device from the central system. In some embodiments, employee identifying data that identifies an employee may be associated with the consumer identifying data to facilitate consumer assistance and employee payment.

Abstract: A computing system predicts a need of a customer based at least in part on a location of the customer, recommend a physical location to the customer based on the predicted need using location-based costs of living, and recommending offers to merchants based on historical activities of a plurality of customers.

Abstract: A system and methods for allocating impressions using an auction comprises a delivery engine, a statistics collector, a forecasting module, and optimization engine and a direct demand source. The delivery engine receives indirect demand, direct demand and optimization information that it uses to allocate impressions and serve ads. The statistics collector is coupled to collect information from the delivery engine and input from the forecasting module. The forecasting module provides information to the optimization to smooth the rate at which direct demand is allocated. The optimization engine receives information from the statistics collector, the forecasting module and the direct demand source to produce optimization information that is used to generate bids for the direct demand.

Abstract: A distributed system that includes a merchant application, a buyer application and a seller or drummer application. The applications reside and run on personal computing devices and operate together to allow a merchant to create an offer, drummers to select, present and share the offer with buyers, and buyers to receive and save the offers in anticipation of a conversion. Upon a conversion, revenue derived from the transaction is provided to the merchant but, some of revenue is shared with one or more drummers involved in pushing the offer.

Abstract: A computer-implemented method includes receiving an indicator that a consumer stored account details associated with an account with a resource provider computer of a resource provider in an add-account event. The transaction details associated with the add-account event are displayed to the consumer at a display interface of a computer device if the consumer is enrolled in an account-on-file tracking system configured to track add-account events for the account. The method may further include providing the consumer with one or more transaction control selections at the display interface that allow the consumer to place transaction controls on the account stored with the resource provider computer.

Abstract: A method of serving Real Time Bidding (RTB) requests received from client devices based on availability of advertisements (ADs) at an edge storage, comprising using an RTB server for receiving RTB request(s) from one or more client devices for impression(s) in AD placement(s) offered by online content presented by the client device(s) to associated user(s), forwarding the RTB request(s) to AD exchange(s) and receiving in response a plurality of bid offers received from advertisers for purchasing the impression(s) for posting a plurality of ADs, identifying among the plurality of ADs cached AD(s) stored at an edge storage located at an edge of a network serving the client device(s), adjusting bid offers relating to non-cached ADs to reflect cost of network resources required for downloading the non-cached AD(s) and initiating service of AD(s) associated with highest bid offer(s) among the adjusted bid offers and bid offers relating to the cached AD(s).

Abstract: A technique for predictive modeling to generate ratings forecasts in a media network is described. An episode-level programming schedule is imported into a viewership forecasting application to generate episode-level ratings predictions. Episode-level ratings predictions for media content in the episode-level programming schedule are generated by implementing multiple different predictive algorithms in parallel for each instance of specific media content in the programming schedule. In addition, for each such predicted viewership value, an accuracy value is generated that indicates the likely accuracy of that predicted viewership value. The episode-level ratings predictions can be uploaded by a business unit of the media network, and merged with a programming schedule currently employed by the business unit.

Abstract: Systems and methods are disclosed for protecting consumer privacy in an online advertising environment. A request may be received from a browser for a webpage along with a unique browser identifier. The browser may be provided a first portion of the webpage that is locally available. The unique browser identifier may be provided to at least one advertising entity, wherein the advertising entity determines an advertisement based, at least in part, on the unique browser identifier. The advertisement may be received from the advertising entity, and provided to the browser as a second portion of the webpage.

Abstract: An incentive program manager is provided for administering an incentive program encouraging public transport usage. The incentive program manager includes a processor, a memory including computer program code, and an input port. The input port is configured to receive an indication of usage of a public transport facility by a participant registered with the incentive program and an indication of usage of a private transport facility registered with the incentive program and owned by the participant. The memory and the computer program code are configured to, with the processor, cause the incentive program manager to: determine a reward to the participant for the usage of the public transport facility and a penalty for the usage of the private transport facility; provide data indicative of the determined reward and the determined penalty; and update a balance in a member account with the determined reward and the determined penalty.

Abstract: A method, of authenticating a user with a service and a server having means to enable a user to be authenticated with a service. The method having the steps of, the user requesting a session with the service on a first device. The server requesting a unique code from a host server, the host server generating the unique code, associating it with a session-identifier. The session-identifier containing information relating to the code request. The host server then sending the unique code, which does not contain the session-identifier, to the service. The server then optically presents the unique code to the user on a display of the first device. The code is then acquired by a verification application running on a second device. Optionally the first device and the second device may be the same device. The second device is previously registered with the host server. The verification application sends the unique code, and device-identifying information of the second device, to the host server.

Abstract: A method of serving Real Time Bidding (RTB) requests received from client devices at a network edge node, comprising an edge node located at an edge of a network serving one or more client devices for obtaining a dataset associating each of a plurality of cached ADs stored in edge storage device(s) locally accessible to the edge node with one or more user attributes, receiving, from the client device(s), RTB request(s) for impression(s) in AD placement(s) presented by the client device(s) to respective user(s), each RTB request comprising user attribute(s) of the respective user, serving in response to each RTB request, to the respective client device, one of the cached ADs associated with the user attribute(s) of the respective RTB request or forwarding the respective RTB request to an RTB server when none of the cached ADs is associated with the user attribute(s) of the respective RTB request.

Abstract: An example operation may include one or more of creating a smart contract with a conditional result distribution schedule for one or more referral events performed by account profiles associated with approved sites, storing the smart contract in a blockchain, identifying the one or more referral events being performed on the one or more approved sites, and storing the one or more referral events in the blockchain.

Abstract: Systems and methods for targeted advertising are described. The method may include receiving information regarding a future event. The information may include a time and a user identification. Receiving local additional information regarding the user from the one or more databases; requesting third party additional information regarding the user from one or more third party databases; accessing advertiser information from the one or more databases; selecting one or more advertisements based on the advertiser information, information regarding the future event, the local additional information, and the third party additional information; creating a communication template for the one or more selected advertisers; and sending the communication template.

Abstract: Systems, methods, and computer program products to transmit, by a web browser to a web server, a hypertext transfer protocol request for a web page at a first uniform resource identifier (URI). The web browser may receive, from the web server via, the web page and metadata of a plurality of candidate advertisements, the plurality of candidate advertisements determined based on a master machine learning (ML) model. A client ML model executing in the web browser may process the received metadata, the client ML model trained based on prior interactions between one or more users of the web browser and a plurality of previously displayed advertisements. The client ML model may determine based on the processing, a first candidate advertisement of the plurality of candidate advertisements to display in the web browser with the received web page.

Abstract: A real-time messaging platform allows advertiser accounts to pay to insert candidate messages into the message streams requested by account holders. To accommodate multiple advertisers, the messaging platform controls an auction process that determines which candidate messages are selected for inclusion in a requested account holder's message stream. Selection is based on a bid for the candidate message, the message stream that is requested, and a variety of other factors that vary depending upon the implementation. The process for selection of candidate messages generally includes the following steps, though any given step may be omitted or combined into another step in a different implementation: targeting, filtering, prediction, ranking, and selection.

Abstract: Systems, methods, and media for detecting advertisements with advertising cues are provided. In some embodiments, a method for detecting advertisements is provided, the method comprising: receiving an advertisement request from a web browser loading a web page; selecting an advertisement from a plurality of advertisements to be placed on the web page in response to receiving the advertisement request; loading an event listener associated with the advertisement that receives advertisement information associated with other advertisements on the web page; and transmitting advertisement information associated with the advertisement to frames on the web page, wherein the event listener receives responses to the advertisement information that includes the advertisement information associated with the other advertisements on the web page.

Abstract: An advertisement that has been watched by a friend but has not been watched by a target player is controlled to be displayed at a timing satisfying a timing condition defining a timing at which the advertisement is displayed, in a game played by the target player. At that time, information indicating that the advertisement has been watched by the friend is also controlled to be displayed. A reward for watching the advertisement is given to the target player. The reward changes in accordance with the number of the friends who have watched the advertisement and a friendship level of the friend. The target player is further notified that the advertisement has been watched by the friend, and thus the reward has changed.

Abstract: The present disclosure is directed toward systems and methods for generating an un-subscription model and predicting whether a potential customer will un-subscribe from receiving electronic marketing content from a marketing source. For example, systems and methods described herein involve generating a prediction un-subscription model that predicts whether a potential customer is prone to un-subscribe from receiving future communications about a product or merchant in response to receiving a communication for the product or merchant. The systems and methods further involve determining an appropriate action to take with regard to a potential customer based on whether the potential customer is prone to un-subscribe from receiving future communications.