Abstract: A real-time deal (RTD) method of the present invention comprises the steps of receiving a request to issue an RTD approval number; generating and transmitting an RTD approval number; receiving an RTD request including the RTD approval number; generating and transmitting an RTD discount rate in response to the RTD request; and paying a virtual currency corresponding to the discount amount according to the RTD discount rate.

Abstract: A system comprises at least one computer device in communication with one or more server computers. The system converts unstructured text into usable order details, and uses instant messaging to notify recipients of the order details. The notices include electronic web links that launch a web interface that generates an editable, pre-populated electronic order ticket based on the order details. Submission of the electronic order ticket launches an auction during which the recipients may respond with offers to fulfill to the electronic order ticket. If after the auction more than one response is needed to fill the electronic order ticket, the system automatically allocates how and in which order the responses will be used to fill the electronic order ticket. If the electronic order ticket is not completely filled after the auction, the electronic order ticket is submitted to one or more additional exchanges for further filling.

Abstract: A payment card benefit assessment system and method includes a computing device accepting payment card benefit catalog information from a payment card issuer and payment card transaction data from a payment card processing network. The payment card transaction data is analyzed to group cardholders into one demographic clusters and to determine an estimated benefit value for each of the demographic clusters. Individualized payment card benefit options are presented to an individual cardholder based on the individual cardholder's payment card transactions and the determined estimated benefit value for a corresponding one of the plurality of demographic clusters.

Abstract: A method of facilitating merchant self-service assistance to financing and content support for a marketing event may include receiving a request from a merchant for approval for financing and content generation to support the marketing event and determining whether to approve the merchant based on comparing information provided in the request to approval standards. The method may further include, responsive to approval of the merchant, receiving context information regarding content requested, and providing the content requested to the merchant based on the context information to support the marketing event.

Abstract: Systems and methods for product imaging and provisioning include a mobile application (app) installed on an imaging device, where the mobile app activates the imaging device to generate an image of a product tag associated with an unavailable product at a first location. The mobile app determines, based on the image, a product indicator associated with the unavailable product. A provisioning app, executing on a remote device, receives the product indicator associated with the unavailable product. The provisioning app also receives a user indicator associated with a first user and executes one or more product provisioning rules that determine, based on a product availability database and the user indicator, an availability result. The availability result indicates whether the unavailable product will be available to the first user. The provisioning app is further operable to send the availability result to the imaging device for presentation by the imaging device.

Abstract: In order to make it more difficult to obtain numbers that can be used to conduct fraudulent transactions, a portion of a real account number is encrypted. The encrypted portion of the account number is used to generate a new account number, a new expiration date, and a new verification value. This information can be determined using processor that may reside in a point of sale terminal, a smart card, or a computer operated by a user. The new account number, the new expiration date, and the new verification value can be used in a payment transaction. A server computer in a central payment processing network may determine that the new account information is not the real account information, and may subsequently generate a modified authorization request message using the real account information and may send it to an issuer for approval. The transmission of data is more secure, since real account information is not sent from the merchant to the payment processing network.

Abstract: Systems and methods for scoring promotions are provided. A set of training offers are received, which include combinations of variable values. These combinations of variable values are converted into a vector value. The offers are paired and the vectors subtracted from one another, resulting in a pair vector. Metrics for the success of offers is collected, and are subtracted from one another for the paired offers to generate a raw score. This raw score is then normalized using the pair vector. The normalized scores are utilized to generate a model for the impact any variable value has on offer success, which may then be applied, using linear regression, to new offers to generate an expected level of success. The new scored offers are ranked and the top-ranked offers are selected for inclusion in a promotional campaign.

Abstract: A computer-implemented method and system for integration among content publication, advertisement services and rewards collection is provided. The method and system comprises publishing a first content generated by a first user for public viewing, determining whether a predetermined condition of the published first content reaches a first predetermined threshold, providing a first user-controlled slot if the first predetermined threshold is reached, and allowing the first user to set a first price for the first user-controlled slot to sell for rewards collection. When the published content reaches a second predetermined threshold, a second user-controlled slot is then provided for the user to set a second price for rewards collection and so on.

Abstract: A verification system configured to determine when customers respond to a real-world ad unit is disclosed. The system comprises: a first camera, a second camera, and a processor. The first camera is mounted at a billboard promoting an associated merchant. The second camera is installed at the merchant where it is configured to capture images of people present at the merchant. The processor is configured to: receive images of a first set of people from the first camera at the billboard; receive images of a second set of people from the second camera at the merchant; and identify a subset of people that appear in the first set and then in the second set. The processor can then generate a conversion rate based on the first set of people and the third set of people. The advertising system is therefore a close-loop system for measuring the effectiveness of advertising.

Abstract: A presence of a consumer transacting at a transaction terminal is detected. Content for the transaction terminal is played as media on the transaction terminal. When an identity of the consumer is resolved, the content is switched to new content that is targeted/customized to the consumer and is played as new media on the transaction terminal. When a transaction concludes, the media play is stopped. Statistics for the transaction and media play are retained for tracking and reporting.

Abstract: Systems and methods for receiving product data for products featured in a media asset are described. In some embodiments, the system includes control circuitry that receives from a server data for a plurality of products featured in a media asset. The control circuitry generates for display a list including the plurality of products. The control circuitry determines whether a product in the list is associated with a coupon and/or a preferred vendor. The control circuitry visually distinguishes the product from other products in the list in response to determining that the product is associated with a coupon and/or a preferred vendor.

Abstract: Certain embodiments of the present disclosure provide techniques for identifying and blocking anomalous transactions within a computing system. An example method generally includes selecting a set of accounts for analysis. For each respective account, an anomaly score is calculated based on an account number associated with the respective account and transaction amounts associated with the respective account. An aggregated anomaly score is generated for each respective account provider of a plurality of account providers based on the anomaly score associated with each respective account. The aggregated anomaly score for each respective account provider is normalized based on a historical minimum and historical maximum anomaly score for the respective account provider. One or more account providers that are potential targets of anomalous activity are identified.

Abstract: Various implementations described herein provide systems and methods for online advertising and, more particularly, systems and methods that utilize user preferences in providing online advertising. In various implementations, systems or methods described herein facilitate user control of user-related data with respect to online advertisement systems, which can include supply-side platforms (SSPs), advertisement exchanges, demand-side platforms (DSPs), content delivery networks (CDNs), ad networks, or adservers. In some implementations, the system and methods implement or otherwise facilitate a user advertisement preference service that enables online users to manage one or more user advertisement preferences and selectively provide those user advertisement preferences to online advertisement systems.

Abstract: A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to during an active web session within a web browser executing on a computing device determine that a web page active within the web browser is eligible for loyalty point redemption; and send, via the communications module and to the computing device, a signal to modify the web page active within the web browser to display at least one selectable option associated with offsetting a purchase price of at least one item using loyalty points from a loyalty points account.

Abstract: A method includes training artificial neural network models; analyzing first data to determine vehicle imperatives; and generating a respective action value by analyzing actions using the of trained artificial neural network models. A non-transitory computer readable medium containing program instructions that when executed, cause a computer system to: train artificial neural network models; analyze first data to determine vehicle imperatives; and generate a respective action value by analyzing actions using the of trained artificial neural network models. A computing system includes: a processor; and a memory having stored thereon computer-executable instructions that, when executed by the one or more processors, cause the computing system to: train artificial neural network models; analyze first data to determine vehicle imperatives; and generate a respective action value by analyzing actions using the of trained artificial neural network models.

Abstract: A digital promotion processing system may include a shopper device associated with a given shopper, and a promotion processing server. The server may generate a given promotion identifier associated with a digital promotion for a given product. The digital promotion may be redeemable via different redemption channels and may have a redeemable value associated therewith. The server may communicate the digital promotion to the shopper device, cooperate with the shopper device to display, on a display of the shopper device, the digital promotion, and cooperate with the shopper device to permit shopper-selection of one of the different redemption channels based upon display of the digital promotion. The server may determine when the given product has been purchased by the given shopper, and when so, apply the redeemable value according to the shopper-selected redemption channel and based upon the given promotion identifier.

Abstract: A bidding assistance device includes a ratio calculation unit configured to calculate a ratio of an actual advertising cost index to a goal advertising cost index, the actual advertising cost index being based on an advertising delivery performance at a bidding time in an advertising period, the goal advertising cost index being requested by an advertiser in the advertising period, an adjustment factor calculation unit configured to calculate an adjustment factor from the ratio and from a relationship between the advertising period and the bidding time, the adjustment factor being used to adjust a bid price of an advertisement, and a determination unit configured to determine the bid price at the bidding time using the adjustment factor calculated by the adjustment factor calculation unit, the goal advertising cost index, and a forecast effectiveness index forecast from advertising effectiveness, the advertising effectiveness being obtained from the advertising delivery performance.

Abstract: Group actions may be performed on behalf of multiple users based in part on the suitability of the various user devices of the different users to perform such group actions. Different user devices may also be used to generate different query intent determinations for a query such that the query intent determination made by a particular user device may be used to fulfill the query.

Abstract: Methods and systems are disclosed for performing operations comprising: accessing content received from a first client device associated with a first user; processing the content to identify a first image that depicts the first user wearing a first fashion item; determining a first pose of the first user depicted in the first image; searching a plurality of products to identify a first product that corresponds to the first pose of the first user depicted in the first image and that includes one or more attributes associated with the first fashion item; modifying the first image to generate an advertisement that depicts the first user wearing the first product; and during a content browsing session being accessed by the first client device, causing the advertisement that depicts the first user wearing the first product to be displayed automatically on the first client device.

Abstract: The present disclosure describes a smart apparatus, comprising: determining if an application is authorized to use a user profile, when the application installed on the smart apparatus requests the user profile; and transmitting the user profile to the server corresponding to the application when the application is determined to have a user right.