Abstract: Embodiments of the present disclosure provide methods, systems, apparatuses, and computer program products for assessing a performance and/or determining a programmatically expected performance of a marketing campaign. In one embodiment a method for creating a unified data set from a plurality of data sets received from third-party service providers is disclosed. In one embodiment, a graphical user interface is used to facilitate user access to visual representation of the unified data set. In one embodiment, the unified data set may be used to train a machine learning model. In some implementations, the machine learning model may predict an expected performance for marketing campaigns. In one embodiment, the machine learning model may adjust one or more parameters of the marketing campaign in order to increase the effectiveness of the marketing campaign and the associated revenue.

Abstract: A method and system for providing personal shopping assistance via a computing device includes hosting a database of information regarding a customer, hosting a database of information regarding a personal shopper, and associating the customer with the personal shopper. The personal shopper is provided the ability to recommend at least one of a product or a service relevant to the customer and receiving an indication of the purchase of the recommended product or service by the customer. An incentive system may provide a reward to the personal shopper based upon the purchased product or service, including a commission or other reward. The system may be implemented on a desktop and/or mobile device as desired to provide flexibility in implementation.

Abstract: A scalable adaptable consumer-driven centralized marketing system and methodology receives consumer directives, marketing directives and marketing objects from users. Each marketing object is associated with a marketing directive. A consumer directive provides consumer-related information, which may include a subject matter of interest. A marketing directive provides marketing subject matter, which may relate to goods or services offered. The system queries a database for consumer directives with subject matters of interest that match the marketing subject matter. The system makes a copy of the marketing object accessible to users associated with matching consumer directives.

Abstract: Systems, methods, and apparatuses for processing a rewards transaction including an accounts database storing information associated with accounts held by a financial institution including a payment account associated with a customer, a rewards account database storing information associated with reward accounts, including a rewards account associated with the customer, and a processing circuit. The processing circuit is structured to receive transaction details that define a rewards transaction associated with the rewards account, receive a rewards transaction request associated with the rewards account, the rewards transaction request including a rewards amount and recipient details, debit an amount of points from the rewards account maintained by the financial institution and associated with the customer, where the amount of points are less than or equal to the rewards amount, and complete the rewards transaction without converting the rewards amount to currency.

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 receiving, from a plurality of entities, objectives and budgets associated with a plurality of keywords, determining cost-per-click (CPC) bids for each of the entities for some of the plurality of keywords using the objectives and the budgets, determining internal bids by the plurality of entities for the plurality of keywords by multiplying the CPC bid and a pacing multiplier, performing one or more iterative internal auctions, determining a highest bidder for each keyword of the plurality of keywords, and coordinating bidding by only the highest bidding entity for each of the keywords on a third-party external auction.

Abstract: Disclosed is an advertising method which comprises guiding an advertiser to create at least one ad and incentivizing a consumer to access the at least one ad by offering a reward to the consumer for interacting with the ad, wherein consumer profile data useful for ad targeting is acquired as a prerequisite for allowing the consumer to earn the reward.

Abstract: Techniques for channel-independent offer management are provided. An offer management server can be deployed in a variety of architectural arrangements within an enterprise. The offer management server provides cross-platform and channel-independent evaluation of offers and offer management for the enterprise.

Abstract: The unified payment system, product and method provide an effective and efficient way to better communicate to a merchant the value of running a promotion and determine a deal structure that works for the merchant, the customer, the promotion system, or any combination thereof. The unified payment system, product and method provide real-time ROI calculations that a merchant and sales representative can collaboratively simultaneously work on to identify a deal structure for the merchant to select. In this way, the merchant and sales representative may arrive at a mutually acceptable payment plan.

Abstract: [Object] To make it possible to urge a plurality of users to recommend content. [Solution] Provided is an information processing device including: an acquisition unit configured to acquire a plurality of pieces of specification information for specifying content from a plurality of users, respectively; and a control unit configured to calculate the number of times in which each piece of the content is specified by the plurality of users on the basis of the plurality of pieces of the specification information acquired from the plurality of users and control application of an incentive to the plurality of users on the basis of the calculated number of times.

Abstract: A method of assisting with payment of a transaction involving a first user and a second user using a CardBot System including a CardBot API residing in a chat platform is disclosed. The method includes receiving a request for an action to be taken from the first user, receiving identifying information from the first user regarding the second user, receiving information pertaining to the action to be taken, and receiving parameters for the action to be taken. The method includes the step of performing the action to be taken based on the information pertaining to the action to be taken and parameters for the action to be taken. The performance of the action includes a calculation of an amount to be paid by the first user. The method includes the step of facilitating the sending of the amount to be paid from a first payment account to a second payment account.

Abstract: A system and method provides for the use of a proprietary platform to predict impressions and to predict and design ad campaigns. Specifically, a proprietary programmatic advertisement platform correlates television programming asset sources with actual viewing behavior of broadcasts associated with the television programming assets and ad content associated with the ad campaign. The correlation produces a predicted performance value used to generate an ad campaign. For instance, the invention enables television programming asset sources and viewership information providers to communicate with the programmatic advertisement platform in a way that adds value to or otherwise facilitates the valuation of the television programming asset sources in context of the particular ad.

Abstract: The present disclosure relates to systems and methods for redeeming financial rewards for cash at an ATM. A customer inputs financial account credentials into an ATM, and these credentials are relayed to a financial institution computing system. The financial institution computing system then authenticates the customer by determining whether the input credentials match credentials stored in a database associated with the financial institution computing system. Once the customer is authenticated, the financial institution computing system polls the customer database and determines whether the customer has earned any rewards through usage of the financial account. Any available rewards are converted to a cash value and transmitted back to the ATM for view by the customer. Upon receipt of a customer indication that they wish to redeem the reward, the ATM is then configured to dispense the converted reward amount to the customer.

Abstract: Embodiments can provide an intelligent vehicle that determines that the vehicle interior comprises multiple occupants; identifies the occupants; based on the driving behavior of the vehicle, creates a composite occupant profile associated with the group of plural occupants, the composite occupant profile comprising the identities of the plural occupants and group preferences for various vendor products or services; and, based on the composite occupant profile and received inputs from a user interface, an automatic vehicle location system, and a plurality of sensors in the vehicle, performs one or more actions, such as: (a) proposing one or more vendor products or services for the group of occupants; (b) publishing the vendor products or services selected by the group of occupants, via a social network, to associated or selected associates of the occupants in the group; and (c) presenting advertisement information from a vendor server associated with the proposed or selected vendor products or services to one

Abstract: A method of distributing purchase recommendations to a user terminal and tracking their effectiveness includes receiving an image of a product code captured from a user terminal at a store server through a wireless device, the store server connected to a first database from which the store server retrieves product information relating to the product code, the product information including one or more recommended products associated with the product, and a second database that tracks effectiveness of recommendations for each product, and transmitting the product information to the user terminal through the wireless device. The presence of at least one recommended product in the product information causes the self-registration program in the user terminal to display a user interface for accessing information about the recommended product on the user terminal and enable the store server to update the second database by tracking the user inputs made through the user interface.

Abstract: Techniques for collaborative shopping are presented. During a shopping transaction, a customer collaborates in real time with one or more additional participants. Real-time and dynamic feedback is provided to the customer from the participants throughout the shopping transaction. Furthermore, real-time and dynamic feedback is provided from the customer to the participants throughout the shopping transaction.

Abstract: Systems and methods are disclosed for evaluating a transaction concluded at a POS (point of sale) device. Prices for competitive retail stores within a geographic region of the POS may be evaluated after concluding a transaction. Price differences between items and corresponding prices in the third party data are identified. Where the purchase price exceeds the corresponding third-party price, a credit is assigned to the customer, such as in the form of a gift card or code that may be redeemed in a subsequent transaction. Credits may also be assigned to a debit card associated with a user, either with or without applying some multiplier. Transactions may be compared to past transaction of a user in order to detect fraud. Recent activity may be flagged as potentially fraudulent and reviewed before providing a credit.

Abstract: Systems and methods are disclosed for optimizing an online advertising campaign both before the campaign begins, and dynamically during the campaign. Optimizations are performed comparatively between a plurality of MPs (Media Properties) based on their relative cost-per-engagement. Comparisons are performed by first stack ranking MP inventory including any of sites, feeds, and verticals, based on cost per engagement. Once ranked, scores are assigned to the targeted inventory and a mean score is determined. Then, the inventory is rated as high, normal, or low impact based on their scores compared with the mean and a standard deviation for all scores. Higher impact sites with scores at least a standard deviation above the mean are initially favored, and the MP targeting strategy is dynamically adjusted during the campaign based on periodically re-evaluating the MP rankings, frequencies of engagement, and campaign progress relative to fulfillment in an allotted run time.

Abstract: A computer-implemented method for processing coupons in a point of sale terminal includes receiving electronic coupon data representing a machine-readable coupon code. The coupon code is associated with a coupon presented by a customer at a retail point of sale. The method further includes receiving electronic coupon validation data representing at least one valid coupon code and/or at least one fraudulent coupon code. The method further comprises determining whether the coupon is valid based on the coupon code and the valid coupon code(s) and/or the fraudulent coupon code(s), and identifying the coupon as accepted or invalid based on the determination of whether the coupon is valid.

Abstract: Systems, apparatus, methods, and non-transitory media for programmatically grouping consumers are discussed herein. Some embodiments may include a system configured to provide to shared promotion redemptions. The system may include a merchant device with processing circuitry configured to associate multiple consumer accounts with a point-of-sale order. Based on receiving redemption data from a consumer device associated with one of the consumer accounts, the system may be further configured to allow the consumer device to share a selected promotion. For example, the system may determine payment share amounts for each consumer account based on a transaction price of the point-of-sale order and the redemption value of the promotion selected for shared redemption.

Abstract: According to some aspects, disclosed methods and systems may include storing, in a local storage of a device, a plurality of advertisements; and outputting for display first content comprising a first portion of a first set of advertisements associated with a first campaign period. The disclosed methods and system may also include, in response to an expiration of the first campaign period, outputting for display second content comprising a second portion of the first set of advertisements based on a first set of one or more advertising rules.