Abstract: The present invention is a messaging system for combining a set of promotional data with an instant message. The system includes a network, a sending communications terminal connected to the network and a sending processor programmed for sending an instant message via the network. Additionally, the system includes a recipient communications terminal connected to the network configured for receiving an instant message from the sending communications terminal. The system also includes a messaging server providing instant messaging service to the sending communications terminal and the recipient communications terminal and a combiner for combining a singular instant message sent from the sending communications terminal and the set of promotional data into a single cohesive message. The recipient communications terminal has a recipient processor for presenting the set of promotional data with the instant message as a cohesive message on a messaging.

Abstract: An event detection (ED) computing device is provided. The ED computing device includes a processor in communication with a memory. The processor is configured to receive real time data from a real time data source, including location data and transaction data, and calculate a first data derivative based at least in part on the received location data and transaction data. The ED computing device is also configured to identify an event associated with the first location based at least in part on the received location data and transaction data and store an identified event data structure in a database. The ED computing device is configured to retrieve notification rules associated with a first stakeholder, compare the a data derivative to the notification rules, and transmit a notification to the first stakeholder based at least in part on the comparison.

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: An electronic commerce (e-commerce) system may send advertisement emails to customers that are registered with the e-commerce system. The advertisement emails may include mailto hyperlinks. Each mailto hyperlink may be associated with a product that is being offered for sale, and each mailto hyperlink describes an email message that may be generated when that hyperlink is selected. When a mailto hyperlink is selected, the generated email message may include one or more parameters related to the product associated with the hyperlink, such as an identifier of the product. The generated email message may then be transmitted to the e-commerce system. The e-commerce system may receive the message and, based on the parameters in the received message, execute a transaction to purchase the identified product on behalf of the customer.

Abstract: Embodiments of the present specification provide marketing methods based on a deep reinforcement learning system. One method includes the following: obtaining, from an execution environment of a deep reinforcement learning system, a plurality of execution results generated by a user in response to marketing activities, wherein the plurality of execution results correspond to a plurality of targeted effects on a marketing effect chain; determining a reward score of reinforcement learning based on the plurality of execution results; and returning the reward score to a smart agent of the deep reinforcement learning system, for the smart agent to update a marketing strategy, wherein the smart agent is configured to determine the marketing activities based on the marketing strategy and status of the execution environment.

Abstract: A system for processing a digital promotion may include mobile wireless communications devices and a digital promotion server. The digital promotion server may be configured to operate a messenger bot to collect information and communicate a first digital promotion for a first product to at least one mobile wireless communications device based upon the collected information. The digital promotion server may also be configured to determine an underperforming redemption location for the first digital promotion for the first product having underperforming sales of the first product relative to other redemption locations and obtain an identification of a second product also included with the first product from transaction receipts. The digital promotion server may also be configured to generate a second digital promotion associated with the second product for redemption at the underperforming redemption location and communicate the second digital promotion to the mobile wireless communications devices.

Abstract: A system for battery electric vehicle driving analysis is provided. The system includes a vehicle including a plurality of sensors. The vehicle is configured to transmit a plurality of sensor information observed by the plurality of sensors. The system also includes a driver analysis computer device including at least one processor in communication with at least one memory device. The driver analysis computer device is programmed to receive the plurality of sensor information from the vehicle. The plurality of sensor information includes information for a plurality of days. The driver analysis computer device is also programmed to determine, for each day of the plurality of days, a daily driving distance of the vehicle based on the plurality of sensor information, compare the plurality of daily driving distances to a first threshold, and transmit one or more advertisements for a new vehicle based on the comparison.

Abstract: Methods and apparatus are disclosed for the maintenance of a virtual credit card pool for airline passenger vouchers. An example system includes server(s) that are configured to determine a target distribution of virtual credit cards within the virtual card pool for a current date-and-time. The server(s) are configured to, in response to determining that the current date-and-time corresponds with a predefined restocking time, for each card value: identify a current number of virtual credit cards within the virtual card pool; identify a threshold number of virtual credit cards based on the target distribution; compare the current and threshold numbers; in response to determining that the current number is less than the threshold number, transmit a request for virtual credit cards having the card value to an external server; and add the requested virtual credit cards to the virtual card pool upon receipt.

Abstract: A content delivery provider may stream an application to each of a plurality of computing devices. The content delivery provider may transmit an offer to download the application to each of the plurality of computing devices, after a first initial display interval. The provider may receive a number of positive user interactions with the offer after the first initial display interval, and a total number of positive user interactions with the offer. The provider may automatically adjust the initial display interval by a factor proportional to a desired first-display quantile divided by the number of positive user interactions after the first initial display interval. The application may be streamed to a second computing device, and the offer to download the application transmitted to the second computing device, after the adjusted initial display interval.

Abstract: Techniques for optimizing content item delivery for installations or activations of a mobile application are provided. In one technique, a machine-learned model is trained based on multiple training instances that individually indicate whether an entity performed a particular action relative to a mobile application. In response to receiving a content item request from a third-party content delivery exchange, it is determined whether a client device that initiated the content item request has activated a particular application. In response to determining that the client device has not activated the particular application, multiple feature values of the content item request are identified. Based on inputting the feature values into the model, a score is generated that indicates a likelihood that an entity of the client device will perform the particular action relative to the particular application. Based on the score, a content item is transmitted over a network to the client device.

Abstract: A computer-implemented method includes authorizing a transaction received from a third party device that is associated with a customer account stored in a customer database, and generating a transaction identifier associated with the transaction and a temporary email address. The method also includes mapping the temporary email address to a customer email address in the customer database, communicating the temporary email address to the third party device, and receiving transaction data via the temporary email address. Additionally, the method includes initiating an automatic transfer of funds, automatically forwarding the transaction data to the customer email address, and monitoring a certain amount of time that the transaction identifier is valid after the transaction is completed.

Abstract: Systems and methods are disclosed for conducting media lift studies for online advertising concurrently with operating an advertising campaign. While operating an advertising campaign for a first advertiser/client focused primarily on a set of intended ads and a specific targeted viewer audience, a non-intended ad is occasionally substituted to run in an ad slot, and is tracked as belonging to the first advertiser/client. The non-intended ad can be for example one of: an ad for a second advertiser/client; an alternate ad for the first advertiser/client; or a blank/unrelated ad. After the campaign, attribution results for the intended ads are adjusted according to those for non-intended ads to provide an indication of net media lift resulting from the intended ads—typically at no additional cost to the first advertiser/client. Analysis results may also be compared between different attribution data providers to determine which provide the more accurate attribution data.

Abstract: A method of causing a user of a car sharing platform to perform an action with respect to a vehicle includes receiving a first data set, analyzing the first data set to determine vehicle imperatives, generating actions corresponding to the vehicle imperatives, analyzing the actions using trained machine learning models to generate action values, displaying the actions to the user, receiving acceptance of the user, receiving a second data set; and based on the acceptance and analyzing the second data set to identify changes to the vehicle imperatives indicating completed actions, releasing the action value to the user for each of the completed actions.

Abstract: A system for online advertising. The system may include at least one memory unit for storing instructions and at least one processor configured to execute the instructions to perform operations. The operations may include receiving a plurality of creatives for a webpage published to a viewer and resulting in a viewer experience; measuring, based on the viewer experience, a result including conversion rates for a plurality of variants of the webpage; determining confidence intervals in association with the conversion rates; dynamically comparing the received creatives, the conversion rates, and the determined confidence intervals of the variants; automatically analyzing, based on the comparison, the variants to select a winning webpage, the winning webpage exceeding a computed threshold; and automatically adjusting online traffic such that the selected winning webpage is displayed more frequently than other webpages.

Abstract: A method includes identifying data encoding coupons, each coupon associated with a sponsoring manufacturer and associated with an event organized by the manufacturer; grouping the coupons into arrays of matching coupons for each sponsoring manufacturer and each associated event; and dynamically displaying, on the user interface, an array of matching coupons associated with a particular event organized by a particular sponsoring manufacturer, wherein dynamically displaying comprises: arranging the coupons of the array from a first end to a second end on the user interface such that each pair of neighboring coupons form an overlap and each coupon, other than a currently active coupon, is partially visible; and in response to a user input on the user interface, changing the currently active coupon such that a new coupon becomes the currently active coupon while other coupons are partially visible by virtue of the overlap formed by each pair of neighboring coupons.

Abstract: Systems, methods and articles for providing optimized scheduling of a log of spots to be delivered to consumers. The optimized scheduling allows content providers to autonomously satisfy contracts and increase revenue. An audience delivery optimizer system receives an initial log, generates an optimized log, and returns the optimized log so that content can be delivered to consumers according to the optimized log. The audience delivery optimizer system may use historical ratings data and may implement an algorithm to accurately project future delivery. The audience delivery optimizer system may evaluate and optimize a log that spans a particular period of time, such as a day, a week, a month, etc. The audience delivery optimizer system may evaluate over-performing contracts and under-performing contracts and may then optimize the placement of spots based on such evaluations. The audience delivery optimizer system may track liability or other metrics over determined periods (e.g., quarterly).

Abstract: A promotion recommendation system may include a user device associated with a given user, and a promotion recommendation server. The promotion recommendation server may be configured to identify a social media influencer followed by the given user and determine a beverage associated with the social media influencer. The beverage may have ingredients. The promotion recommendation server may also be configured to cooperate with the user device to determine a current geographic location of the given user, generate a recommended beverage having one of the ingredients, and generate a digital promotion for the recommended beverage for redemption at a redemption location based upon the current geographic location of the given user. The promotion recommendation server may also be configured to communicate the digital promotion to the user device.

Abstract: Aspects of the present disclosure provide techniques for intelligently presenting targeted offers to a user of a software application. Embodiments include receiving received request from a user of the software application to access a portion of the software application. Using a predictive model, a predictive score is generated for the user. The predictive model generally may be a model trained using user account data reduced into n-tuples of predictive attributes representative of a plurality of users, correlated with clickstream data associated with the plurality of users indicating whether a user interacted with a targeted offer. The predictive score generally represents a likelihood that the user will interact with the targeted offer based on data stored by the software application for the user. The targeted offer is presented to the user based, at least in part, on a determination that the predictive score for the user exceeds a threshold score.

Abstract: A method of providing rewards-based payment method selection, the method including: storing payment account numbers (PANs) associated with a tokenized financial account number (FAN), each PAN being associated with a purchase-based rewards program; receiving user rewards preferences; receiving, from a merchant POS terminal, a primary transaction authorization request; generating, based on the primary transaction authorization request and the FAN, a plurality of provisional transaction authorization requests corresponding to one of the PANs; transmitting, to one or more payment authorization servers, the plurality of provisional transaction authorization requests; receiving a plurality of provisional transaction authorizations corresponding to one of the PANs and including a respective rewards bid; selecting, based on the user rewards preferences and the respective rewards bids, a preferred PAN corresponding to a provisional transaction authorization; and transmitting, to the merchant POS terminal and based on

Abstract: The present invention provides a bonus accumulation system comprising: a payment terminal device which is installed in a business branch and transmits/receives, to/from a payment approval company, a commercial transaction approval request and commercial transaction approval confirmation; a near field communication (NFC) terminal device having an NFC function, which directly receives final payment approval data from the payment terminal device, using a serial communication module of the payment terminal device, and calculates bonus data; and a user terminal device for receiving the calculated bonus data from the NFC terminal device through NFC, and sending a request for an approval of the received bonus data to a bonus server and receiving the approval through a mobile communication network.