Abstract: An electronic device is provided. The electronic device includes a communication module configured to communicate with an external device, a biometric authentication module configured to perform biometric authentication, and a processor. The processor is configured to obtain biometric information of a user of the electronic device if a payment request is received, perform biometric authentication using the biometric information, send information associated with the biometric authentication to a first server located outside the electronic device, receive a session key, corresponding to the biometric authentication, from a second server located outside the electronic device, and send the session key and a payment token request to a third server located outside the electronic device.

Abstract: A contact management suppression rules system is described. A centralized enterprise database stores suppression rules of an enterprise, where each suppression rule includes logic to prevent communication of marketing content to contacts satisfying parameters of the respective suppression rule. A suppression rules manager causes display of a real-time listing of the suppression rules in a graphical user interface displayed by at least one enterprise device, and receives, from the at least one enterprise device, a modification request to modify a parameter of a suppression rule. The modification request is initiated based on user input to the graphical user interface. The suppression rules stored in the centralized enterprise database are updated with the modified parameter of the suppression rule. Distribution of marketing content for a marketing campaign is controlled by preventing communication of the marketing content to contacts based on the updated suppression rules.

Abstract: The disclosed merchant server initiates a verification process in response to receiving an account identifier for an account in response to a payment selection by an account holder. In response to confirming enrollment of the account in a verification service, the merchant server receives an access point (e.g., a uniform resource locator (URL), API, etc.) and presents an offer interface corresponding to the access point. The offer interface includes a value added offer based on a profile of the account. The merchant server receives a credential and an acceptance indicator in response to the account holder accepting the value added offer. The merchant server may send an authorization request to a transaction authorization system.

Abstract: Systems and methods are disclosed herein for providing a user interface representing differences between segments of end users. The systems and methods receive user input on a user interface identifying a first segment, the first segment being a subset of the end users having a particular characteristic, determine differences between the first segment and a second segment, and represent, on the user interface, the differences between the first segment and the second segment based on relative significances of the differences. The marketer using the user interface is able to quickly and easily identify the metrics, dimensions, and/or relationships to other segments that most distinguish the compared segments from one another.

Abstract: A system and method to communicate individualized/customized messages to a vehicle based on the location of the vehicle, operation statuses the vehicle, and/or mobile devices of occupants of the vehicle.

Abstract: A service oriented architecture (SOA) infrastructure is provided for business process verification and systems integrated testing. The system includes one or more primary agents each dedicated to detecting a particular business process. The system further includes one or more action agents each configured to provide a verification function for the particular business process. Additionally, the system includes a service manager configured to provide context look-up services for the one or more primary agents to determine which action agent of the one or more action agents is responsible for a particular verification function of the particular business process.

Abstract: A system and method for use in presenting information relevant to a product catalog. The system receives a search request and presents to a user in a two-dimensional format a plurality of iconic images each representative of a page of a product catalog. Each of the iconic images is activatable to cause a display of an image of the page of the product catalog represented by the iconic image. One or more of the presented plurality of iconic images that are linked to a page of the product catalog having a product responsive to the search request are highlighted to the user.

Abstract: Systems and methods for processing automated message exchanges using artificial intelligence are providing. In some embodiments, a message is generated by populating variable fields within a message template with corresponding data from a knowledge set and/or a lead data set. Lead data is the data known about the intended recipient of the message, whereas the knowledge set is contextual knowledge useful for the artificial intelligence. Once the message has been generated, the system waits for a response from the lead. Once the response is received, the AI algorithms may categorize the response and generate a corresponding confidence value for the categorization. The categorization and confidence level are utilized to determine which subsequent action the system takes. The actions consist of sending a follow-up message, a subsequent message in the series, requesting user input, or discontinuing messaging.

Abstract: A method for real-time measurement of campaign effectiveness includes: storing device profiles, each including a hashed device identifier, geographic location, and transaction entries including a transaction date and transaction data; receiving a data request including a start date, end date, merchant identifier, a plurality of device identifiers, and, for each device identifier, a category identifier of a set of category identifiers; generating a hashed identifier for each of the device identifiers; identifying, a device profile for each hashed device identifier; calculating purchase behaviors for each category based on transaction data in transaction data entries that include a transaction date between the start date and end date that are included in each identified device profile that is associated with the respective category and includes a geographic location corresponding to the merchant identifier; and transmitting at least one of: the calculated purchase behaviors and one or more metrics based thereon

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

Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable storage media for increasing the performance of an advertisement network by monitoring requests for advertisements from applications, detecting patterns, and developing and implementing remedial actions to increase system performance.

Abstract: A terminal-implemented method, a server-implemented method and a terminal for acquiring a certification document are provided. The terminal-implemented method includes: determining a target application for providing the certification document according to a user-input identification of a legal source of the certification document; acquiring page contents of the target application, the page contents containing the certification document; and sending document contents including the page contents or the certification document to a certification-document extracting server to enable certification-document extracting server to extract the certification document from the document contents.

Abstract: Techniques for optimizing network-transferred multi-card content items are provided. In one technique, a first content item selection event is initiated that involves a set of content delivery campaigns that includes a content delivery campaign that includes a content item that comprises multiple cards. The content delivery campaign is selected and the content item is transmitted to a first computing device, where the multiple cards have a first card configuration. One or more events that are associated with the first computing device displaying at least one card of the plurality of cards is identified. Based on the events, a second card configuration is determined. Another content item selection event that involves the content delivery campaign is initiated and the content delivery campaign is selected. The content item is transmitted to a second computing device, where the multiple cards have the second card configuration.

Abstract: Embodiments are provided for importing contacts. A contact importer leverages the various contacts associated with a user of a content management service to find potential new users and/or customers. A contact importer may run on one or more devices of a user associated with an account on a content management system, and import various contacts of that user to a contact list. The list may be culled to weed out non-human contacts, and processed so as to assign an affinity score to each contact, expressing a degree of affinity to the user. Incentives may be offered to the user for either sending or approving an invitation to a contact to register with the content management system, paid upon the invitee successfully registering. Different incentives may be offered for an accepted invitation from various contacts or classes thereof.

Abstract: The current subject matter relates to generation of relevant real-time offers based on global positioning system (GPS) data of an individual. A mobile device of an individual can record the GPS data of the individual. The mobile device can be connected to a central system. The central system can receive the recorded GPS data. The central system can predict, by using a trained predictive model and based on transaction history of the individual and the GPS data, categories of likely purchases by the individual. The central system can generate or reproduce offers from merchants of the predicted categories that are located within a threshold distance from a current location of the individual. The central system can send the generated offers to the mobile device that can display the generated offers in real-time. Other applications can include improving relevance of batch offers and/or real-time offers based on a recent purchase trigger.

Abstract: In an embodiment, a method for providing a virtual environment comprises receiving an input, executing a virtual environment application in response to receiving the input, and generating a display of a virtual environment. The virtual environment comprises a plurality of advertisement locations. The method also includes receiving, from a plurality of advertisement providers, a plurality of advertisements for the plurality of advertisement locations, populating the plurality of advertisement locations with the plurality of advertisements, and displaying the display of the virtual environment having the plurality of advertisements in the plurality of advertisement locations. The method further includes receiving a navigation input, modifying the display to present a different viewpoint within the virtual environment that correlates to a movement within the virtual environment, receiving an ad selection input for an ad of the plurality of advertisements, and displaying advertisement data for the ad.

Abstract: One embodiment provides a method for top-down pricing of an in-flight deal. The method comprises receiving a first set of information relating to the in-flight deal. The in-flight deal comprises multiple services. The method comprises, for each service of the in-flight deal, selecting a corresponding set of peer deals from historical and market data based on the first set of information, and mining costs for the service from the corresponding set of peer deals. The method further comprises determining a set of price points for the in-flight deal based on each cost mined.

Abstract: Advertisement content presented to a user of an online system is presented along with an option allowing the user to view one or more reasons for presentation of the advertisement content to the user. If the user selects the option, based on targeting criteria associated with the advertisement content and characteristics associated with the user, the online system selects one or more characteristics of the user satisfying the targeting criteria and presents a description to the user identifying the selected one or more characteristics satisfying the targeting criteria. The online system may apply one or more rules based on user perception of characteristics when selecting the one or more characteristics included in the description. An option for the user to prevent use of the selected one or more characteristics when the online system subsequently selects advertisement content for the user is also presented with the description.

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: An ad search engine comprises a click tag parser, a rich media parser, an ad copy database, a request/query processing module, a user interface module and a content preservation module. The ad search engine advantageously receives and stores information about ad placement, context and advertising statistical and metadata in the ad copy database. In response to a query, the request/query processing module searches the ad copy database for advertisements matching the input query. The user interface module receives the results and presents them in a novel user interface composed of an array of tiles where each tiles represents a placement of the advertisement. The present invention also includes a several novel methods including a method for displaying ad search results, a method for generating an ad search result user interface, a method for populating an ad database, a method for ad preservation and a method for generating derived insights.