Abstract: A method for secure decryption may include receiving encrypted transaction data associated with a transaction from a first computing device. The encrypted transaction data may be encrypted using a first public key and may include a transaction type identifier and a device identifier. A first decryption technique may be selected based on the type of the transaction. A first private key identifier may be retrieved from a database based on the first decryption technique and the device identifier. The first private key identifier and the encrypted transaction data may be communicated to a key vault. Decrypted transaction data associated with the transaction may be received from the key vault. First transaction data based on the decrypted transaction data may be communicated to the first computing device. A system and computer program product are also disclosed.

Abstract: A method for homogenizing payment transaction data acquisition from disparate merchant points of sale includes tracking payment card transactions between enrolled payment cardholders and enrolled merchants, based on the tracked payment card transactions creating a database of rewards eligible transactions, and querying the database of rewards eligible transactions and creating a homogenized transaction database including a specific set of transaction datums retrieved from the database of rewards eligible transactions, wherein the homogenized transaction database includes transaction, information from at least a first transaction involving a first merchant using a first point of sale system and a second transaction involving a second merchant using a second point of sale system, the first point of sale system and the second point of sale system differing from one another.

Abstract: Systems and methods are provided herein for determining personalized timing for generating for display advertisements to users. Rather than an expert determining time segments of a media asset most suitable for presenting advertisements to users, the most suitable time segments in a media asset for presenting advertisements to users may be customized based on a user's profile information and/or the user's level of engagement in a media asset. The media guidance application may parse a media asset into multiple time segments and determine one or more time segments associated with metadata that matches content characteristics preferred by the user. One or more advertisements may be presented to the user in these time segments determined by the media guidance application instead of the time segments determined by the expert.

Abstract: A method and digital signage player for managing display of a distributed digital signage content. The digital signage player stores the distributed digital signage content, and a local placement target for the distributed digital signage content. The digital signage player displays the distributed digital signage content in accordance with the local placement target. The digital signage player exchanges messages with a neighbor digital signage player, for increasing the local placement target of the distributed digital signage content at the request of the neighbor digital signage player. The neighbor digital signage player also displays the distributed digital signage content in accordance with its own placement target, which needs to be decreased. The digital signage player ultimately increases the local placement target of the distributed digital signage content based on the messages exchanged with the neighbor digital signage player.

Abstract: Systems, methods, and apparatuses for encouraging engagement with a rewards system are described herein. A customer associated with a customer device holds a rewards account with a provider associated with a provider computing system. The provider computing system receives rewards and payment card activity of the customer, analyzes the rewards and payment card activity, and generates a rewards engagement rating, which the provider uses to generate and transmit tailored rewards engagement messages to the customer device. The messages provide rewards earn and burn opportunities in which the customer can select to participate.

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 some examples, a system for determining a level of self-image congruence comprises at least one processor and a memory storing instructions which, when executed by the at least one processor among the processors, cause the system to perform operations comprising, at least: selecting one or more self-image attributes that align with a brand-user image; defining each of the selected self-image attributes via a type of subject matter that is of interest to consumers identifying with the selected attributes; identify consumers exhibiting one or more of the selected attributes based on a digital footprint including an online content consumption; computing a congruence score for each identified consumer relative to each selected attribute; and rating the resulting set of consumers based on their respective congruence scores for the selected attributes.

Abstract: A device may receive, from a client device associated with a customer, an agreement of the customer to join a rewards program, and may receive, from the client device and based on the customer joining the rewards program, item data identifying an item placed in a shopping cart by the customer and customer data identifying the customer, wherein the item data is received by a transaction card from a price tag of the item, and wherein the item data is received after the item has been removed from a shelf and placed in the shopping cart. The device may receive rewards data identifying rewards associated with a plurality of items, and may process the item data, the rewards data, and the customer data, with a machine learning model, to identify a reward for the customer. The device may provide, to the client device, data identifying the reward.

Abstract: There are provided systems and methods for a browser tool and application for providing an exact amount transaction funding source or gift card. A digital gift card may be generated for an exact amount by detecting a checkout total is finalized on a merchant website having a checkout process. This may be done using a computing script that parses a DOM tree for the website and identifies webpage elements to monitor. By monitoring the webpage elements, a checkout total may be detected. This may occur by detecting when input and elements are finalized and present within one or more webpage fields, such as by monitoring HTML or XML code snippets A gift card network may be used to offer an exact amount gift card to a user to be used for full payment of the transaction.

Abstract: The present concepts relate to a differentiable user-item co-clustering (“DUICC”) model for recommendation and co-clustering. Users' interaction with items (e.g., content) may be centered around information co-clusters—groups of items and users that exhibit common consumption behavior. The DUICC model may learn fine-grained co-cluster structures of items and users based on their interaction data. The DUICC model can then leverage the learned latent co-cluster structures to calculate preference stores of the items for a user. The top scoring items may be presented to the user as recommendations.

Abstract: A seasonal recommender system includes a computing device configured to obtain periodic sales data characterizing a number of purchases made of each item of a plurality of items in a specified period and to obtain periodic buyers data characterizing a number of unique customers of each item in the plurality of items in the specified period. The computing device is further configured to determine a final item seasonality embedding for each item based on the periodic sales data and the periodic buyers data and to determine a final user seasonality embedding for each user based on the periodic purchase data. The computing device is further configured to determine a final user-item score for each item based on the final item seasonality embedding and the final user seasonality embedding and to send a recommendation to a user based on the final user-item score.

Abstract: The disclosure is directed at a method for data collection and processing within an online system which monitors a user's activity on the online system and then creates a list of business offers for display to the user. The list of business offers is not displayed to the user until the user performs an action relating to a request to review the list of business offers.

Abstract: A method for the transmission of data to a magnetic read head of a payment terminal. The method is implemented by an electronic device capable of generating a magnetic field representative of an encoding of the data to be transmitted, and the transmission of the data includes a plurality of emissions of a same sequence of standardized data. The standardized data is data representative of a payment means and is formatted according to the ISO/IEC 7813 standard. The method further includes transmitting secondary data that are emitted between two successive emissions of the sequence of standardized data.

Abstract: Systems, methods, computing platforms, and storage media for providing image recommendations are disclosed. Exemplary implementations may: receive a set of images; access a context segment graph comprising one or more nodes; identify a subset of images related to a node in the context segment graph; receive one or more user responses for the subset of images; generate one or more models based on the user responses; receive one or more candidate images for a creative campaign; determine, using at least one model, a relatedness value and a responsiveness value for at least a portion of the one or more candidate images; and display a listing of the plurality of candidate images, wherein the listing includes, for each candidate image, a confidence score and one or more of the relatedness and responsiveness values in context to the node.

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 method and a computer system for performing the method of determining an initial value or lifetime value for a domain name is provided. The method for determining an initial value includes obtaining, over a communication network, a domain name from requestor; obtaining, over the communication network, one or more inputs from one or more domain name data sources; applying the one or more inputs and the domain name to an initial lifetime worth computer model, wherein the one or more inputs comprise data related to comparable historical domain names, data from a linguistic model analysis, data from a linguistic frequency list, and data related to a second-level domain to top-level domain relationship analysis; determining, by a hardware processor, an initial lifetime worth for the domain name based on the initial lifetime worth computer model; and providing the initial lifetime worth for the domain name to the requestor.

Abstract: A method of causing car sharing platform user to perform vehicle actions includes training a model by analyzing historical data; analyzing a first data set to determine vehicle requirements comprising respective actions that include respective action values; displaying the actions; receiving user acceptance of the actions; analyzing a second data set to identify changes to the requirements indicating completed actions; and releasing the respective generated action value for the completed actions.

Abstract: Systems and methods are provided for determining a media cost equivalent to attribute to the appearance of a sponsor's logo or other object in a media item, such as an image or video. This determination may be based on factors such as clarity, prominence, visibility, size, or placement of a sponsor logo or other object related to the sponsor within at least one media item. One or more machine learning models may be utilized to automatically identify objects within, and otherwise analyze, image data in order to determine sponsor value.

Abstract: A transit computing (TC) system for determining travel options is provided. The TC system includes at least one TC device including at least one processor communicatively coupled to a database configured to receive a request including trip data including a start location and an end location. The at least one processor is also configured to determine at least one travel option, wherein each travel option is associated with a mode of travel, and determine, for each travel option, at least one projected environmental trip detail, including a respective projected emissions output for each travel option. The at least one processor is further configured to receive user selection of a selected travel option and process, based on the user selection, at least one transaction associated with the selected travel option, wherein the at least one transaction includes a payment and confirmation, sent to the user computing device, of the payment.

Abstract: A computer system includes a processor, a communication interface, and a database. The communication interface is configured to receive, from a computing device, a coupon request message, wherein the message includes a first unique coupon program ID. The processor is programmed with computer-executable instructions that cause the processor to extract, from the coupon request message, the first unique coupon program ID. In addition, the processor matches the first unique coupon program ID to a second unique coupon program ID stored in the database. Furthermore, the processor generates, by a token service system, a digital coupon token. The digital coupon token is associated with the first and second unique coupon program IDs. Moreover, the processor is programmed to transmit the digital coupon token to the computing device.