Abstract: A computer-implemented method of using the Internet to promote goods and services and connect merchants with potential purchasers in chat groups who wish to obtain suitable sources of goods and services is provided, wherein a plurality of users each have a computer device provided with chat application software and software for accessing and interactively communicating via a computer network with a server provided with a search engine for searching the Internet. Users initiate a chat conversation among a group of users. One of the users invokes a search application using the search engine. The user conducts a search of the Internet for products or services, reviews the results of the search, selects a product or service located by the search, and shares the selected search result with the chat conversation. One of the users can order the selected product or service as part of the process.

Abstract: Methods and systems herein may help to provide an advertisement marketplace for advertisements that are valued according to gaze data from wearable computing devices.

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: Embodiments of the present disclosure provide methods, systems, apparatuses, and computer program products that provide for an improved and more efficient system for transmitting content to client devices. The embodiments disclose an apparatus that clusters user behavior based on platform session records. The platform session records comprise stored data associated with a plurality of user inputs received by the system for the duration of a platform session. The apparatus and methods transform the platform session records into data comprising a form that is usable for identifying clusters of platform sessions. As a result of the clustering methodologies, the apparatus is configured to deliver content specifically optimized for users of client devices. The present disclosure thus provides for an improved networked system that reduces the amount of data transferred via the network and allows for a more efficient system that has reduced infrastructure requirements and improved performance.

Abstract: Methods and systems are described for providing advertising services to devices with a customized adaptive user experience based on adaptive algorithms. In one embodiment, a system includes a storage medium to store one or more software programs and an adaptive decision unit coupled to the storage medium. The adaptive decision unit includes or is coupled to processing logic that is configured to execute instructions of at least one adaptive decision algorithm to obtain data for different variables including at least two of an advertisement (ad) engagement history for a user, application (app) engagement history for the user, and in-app purchase engagement history for the user when making an ad selection decision. The at least one adaptive decision algorithm determines an ad selection decision for at least one relevant ad or ad content served in an engaging manner to a device of the user.

Abstract: Systems, data access management utilities, and methods generate links between local merchants and community programs, whereby the merchant may provide incentives to customers in relation to community programs. The implementations may track community programs, as well as online and offline customer transactions with merchants that make use of the incentive. Implementations may include as participants, customers, merchants, community organizations, intermediaries, and other groups or individuals. Participants may have participant identifiers, which may be linked to a payment source. Data may be collected about all participants, either expressly, or from offline or online transactions between merchants and customers utilizing a participant identifier, and the data may be stored in a data storage area.

Abstract: A system for processing a coupon that includes coded indicia having an image insufficient for redemption may include a mobile wireless communications device configured to acquire the image of the coupon. The system may also include a digital coupon conversion server that includes a processor and memory cooperating therewith to receive the image of the coupon from the mobile wireless communications device and process the image of the coupon to generate a modified image sufficient for redemption. The processor and memory may cooperate to store the modified image for subsequent retrieval and redemption.

Abstract: Disclosed herein includes a system and method for providing an online shopping platform. A memory may store a user's loyalty points for redemption. The platform may display lists of goods for sale provided by different merchants. A user may place a purchase order for a product offered by a first merchant. The purchase order may also include another product offered by a second merchant. The system and method may calculate a total cost of the purchase order. The system and method may deduct at least a portion of the loyalty points available in the user's loyalty account in exchange for a currency value. The system and method may reduce the cost of the purchase order by the currency value.

Abstract: Improved checkout systems, apparatuses and methods for managing electronic coupons include a checkout kiosk, a point-of-sale system and a microprocessor with an electronic rules engine. The electronic rules engine is configured to allow application of electronic coupons to customer accounts internally to the point-of-sale system. Redemption of the electronic coupons is allowed by the consumer at the kiosk without a scan-able artifact.

Abstract: A method, system, and computer-usable medium for implementing a system providing a customer with prescriptive remedies in response to a credit card transaction error. At least one embodiment includes receiving a credit card transaction request for purchase of a product during a purchase session from a merchant; receiving a credit card transaction error from a payment gateway; passing the credit card transaction error, customer segment information, and customer score information to a prescriptive machine learning engine; analyzing the error type, customer segment information, and customer score information at the prescriptive machine learning engine to assign a proactive response to the credit card transaction error. The proactive response is selected to increase the likelihood that a customer will continue the purchase despite the decline of the credit card.

Abstract: A system and method for processing promotions in connection with digital purchasing. Data associated with a digital purchase request made by a consumer (the data comprising a token, an amount associated with the transaction, a promotional code for each item included in the digital purchase request associated with a promotion, a default transaction amount, and a single default promotional code) is received from a merchant server. The single default promotional code is assigned to all items included in the digital purchase request that are associated with promotions. Using the token, account information associated with the consumer is retrieved from a database. For each promotional code received, promotional information is retrieved. The retrieved promotional information is displayed. The digital purchase request is submitted for processing using the single default promotional code.

Abstract: In certain aspects, the disclosed implementations include methods and systems for dynamically generating and determining transaction affinity relationship information associated with a set of merchants involved in a set of transactions. In certain implementations, the transaction affinity relationship information may reflect affinity relationships between merchant chains in a merchant affinity network. The disclosed implementations may receive an adjustment to an affinity relationship associated with a merchant chain, and based on the adjustment, predicts one or more changes to affinity relationships associated with other merchant chains in the merchant affinity network.

Abstract: Systems and methods including one or more processing modules and one or more non-transitory storage modules storing computing instructions configured to run on the one or more processing modules and perform acts of obtaining a uniform resource locator (URL) of a first webpage that is shown on a graphical user interface and that is external to a website of a retailer (where, in some embodiments, the URL is obtained from a referral website or is entered by a user from a chat window or search box), using a web scraper to extract web text displayed on the first webpage on the graphical user interface, processing the web text displayed on the first webpage on the graphical user interface to determine an interest of a user, using a set of rules to determine items related to the web text displayed on the first webpage on the graphical user interface, and coordinating displaying the items on a second webpage to promote the items as related to the interest of the user, where the second webpage is internal or external

Abstract: An example method includes determining a number of impressions that occurred on mobile devices and that are attributable to a first demographic group; determining whether a size of a first audience that corresponds to the first demographic group satisfies a threshold, where the first audience includes panelists in an audience measurement panel; determining whether a size of a second audience satisfies the threshold when the size of the first audience does not satisfy the threshold, where the second audience includes panelists in the audience measurement panel that correspond to a second demographic group and the first audience is a subset of the second audience; and calculating impressions attributable to a market segment and to the second demographic group when the second size of the second audience satisfies the threshold based on a portion of the second audience that belongs to the market segment.

Abstract: Systems, methods, and apparatuses for storing verified identification information in a distributed database and for verifying entities to requestors are provided herein. Identity information relating to an entity is verified by a generally recognized identity provider (GRIP). Once verified, the GRIP populates a distributed database with an entry corresponding to the verified identity information. The distributed database is publically accessible such that identity requestors can see the entries in the distributed database. In some arrangements, the distributed database is write-protected such that only an authorized GRIP can modify the distributed database. An entity can provide information to a requestor to verify an identity attribute of the entity to the requestor. The requestor uses information provided by the entity to retrieve verified entity identification information from the distributed database and to confirm that the identity attribute was verified by an authorized GRIP.

Abstract: Provided herein are systems, methods and computer readable media for proving gift giving within a group. Consumers may register for a gift giving program, create a group and invite other consumers to participate. Group members may be randomly assigned to a group, or assigned to a group based on an invitation or indicated group. Relationships between gift givers and recipients within a group may be determined, such as in a randomized format. Gift givers may purchase a gift, such as a good or a promotion from a promotion and marketing service. The promotion and marketing service may assign the promotion to the recipient so that the recipient may redeem the promotion for a good, service, or experience. Promotions may be automatically purchased on behalf of a gift giver who fails to purchase the promotion by a gift-giving deadline.

Abstract: Disclosed is a method for modifying transaction credentials. The method involves initiating a transaction at a receiving terminal, the transaction being defined by one or more transaction credentials and then transmitting mobile terminal data from a mobile terminal, via the receiving terminal, to a server, the mobile terminal data comprising a set of account data relating to the mobile terminal. Subsequently, the method involves extracting the set of account data at least partially from the mobile terminal data at the server and transmitting the set of account data from the server to an account manager, the set of account data being associated with a unique consumer account managed by the account manager. One or more transaction modifiers associated with the consumer account are then received at the receiving terminal which modifies at least one of the one or more transaction credentials based on the one or more transaction modifiers.

Abstract: A content influencer scoring system may include influencer computers each associated with a respective content influencer having influencer historical performance data and legacy influencer content associated therewith. A remote server may obtain advertisement campaign data associated with an advertisement campaign and parse the advertisement campaign data for advertisement keywords. The remote server may match content influencers to the advertisement campaign data based on the advertisement keywords and, for each content influencer, generate an advertisement campaign score.

Abstract: Systems and methods are provided for providing alerts to a user. The systems and methods may include a financial service provider including a memory device storing instructions. The financial service provider may also include at least one processor configured to execute the instructions to perform a plurality of operations. The operations may include receiving data relating to an activity of a user. The operations may also include identifying a merchant based at least on the received data. The operations may also include accessing historical fraud or disputes data associated with at least one of the user and the merchant. The operations may also include determining whether the received data triggers an alert. The operations may further include sending an alert message to a user device associated with the user when the processor determines that the received data triggers the alert.

Abstract: Methods and systems relating to formulating requests to a commerce management engine for product information may include a synchronization engine that estimates, using error data, future synchronization errors of product information to one or more channels. Each channel has respective product data fields for that channel and the error data relates to a prior synchronization of product information from one or more storefronts to the one or more channels and includes identified errors from the prior synchronization and corresponding corrections for resolving at least a subset of the identified errors. The synchronization may formulate a request, wherein the request requests product information for one or more products of the one or more storefronts for a future product synchronization with the one or more channels and includes a request parameter that is based on the estimated future synchronization errors.