Abstract: Systems and methods are disclosed for executing an electronic transaction using a digital wallet. One method includes receiving a guest checkout request and electronic transaction data from an electronic transaction browser. Whether a user is enrolled in the digital wallet system may be determined by the digital wallet system. The digital wallet system may authorize an electronic transaction based on the electronic transaction data upon determining the user is not enrolled in the digital wallet system. The digital wallet system may initiate a digital wallet enrollment upon authorizing the electronic transaction. The digital wallet system may store the user data in the digital wallet system and transmit a verification request to the electronic transaction browser. The digital wallet system may receive a verification response from the electronic transaction browser and may generate a digital wallet enrollment status message based on the verification response.

Abstract: A method of providing a personalized payment option for a user includes (a) receiving billing information from a merchant server associated with a merchant, (b) obtaining one or more rules associated with the merchant, (c) obtaining one or more offers associated with one or more payment options associated with the user and a plurality of preferences associated with the user, (d) computing a reward associated with each of the one or more payment options based on the one or more offers, the billing information, the plurality of preferences, and the one or more rules, and (e) providing at least one recommended payment option among the one or more payment options based on the computed reward associated with each of the one or more payment options.

Abstract: A method that includes receiving a string from a remote station, the string associated with an interaction event between a user and the remote station, is provided. The method includes verifying that the string includes a content validation for a user account in a network service, mapping at least a portion of the string to a ticker symbol associated with an entry in a database and transmitting, to the user, a message indicating that a fractional value associated with the ticker symbol has been added to the user account in the network service. A system configured to execute the above method is also provided.

Abstract: A content origination server may generate content having a stored content identifier associated therewith, and a content display server may display the content. A deep-link server may obtain the stored content identifier and generate an authorization token based upon the stored content identifier. The content origination server may generate a deep-link to the content. The deep-link may have associated therewith the stored content identifier and the authorization token. The content display server may communicate a request including a content identifier and a link authorization token, to the server. The deep-link server may determine whether the obtained link authorization token is valid based upon the generated authorization token and whether the identifiers match, and when so, cause the content display server to modify a layout of content otherwise, cause the content display server to display the content without modification to the layout of content.

Abstract: A system and method for dynamically tracking and capturing content and displaying the content on public or semi-public non-personal digital displays. In exemplary embodiments, the content may include an urgent notification that is displayed within a slot of looped content with the manner in which the urgent notification is displayed depending on the level of urgency and attributes of the non-personal digital displays.

Abstract: A server inputs behavior information of a target to a trained machine learning model that learn a plurality of association relations obtained by associating combinations of behaviors generated from a plurality of behaviors included in a plurality of training data items with likelihoods indicating certainties that the combinations of the behaviors are in a specific state, the trained machine learning having been trained by using the plurality of training data items obtained by associating combinations of behaviors of persons corresponding to the specific state. The server specifies a difference between the combination of the behaviors in each of the plurality of association relations and the behavior information of the target based on output results of the trained machine learning model, and determines an additional behavior for causing the target to transit to the specific state based on the likelihood the difference.

Abstract: Users that abandon GPS searches on GPS enabled devices before arriving at the search location are lost to business entities. The system uses the data obtained from abandoned GPS searches to identify these lost users. Sometimes a unique script embedded in the GPS application loaded onto the user's GPS enabled device scrapes the data from the GPS search and from user entries on the GPS enabled device. The system uses the obtained data to market or remarket to the lost consumers by sending personalized messages via a preferred communication medium.

Abstract: A sale data processing device includes a member storage memory configured to store input member specification information, and a processor configured to determine whether or not an acquired sale target is a sale target to be sold only to only a member, on the basis of specification information for specifying the sale target. The processor is configured to execute a settlement process related to the sale target only when the sale target is a sale target to be sold to only a member and the member information is stored in the member storage memory.

Abstract: Advertising is presented to the lock screen or also named the idle screen or time date screen of a phone when the phone is not in use, inviting the user to view or interact with the advertisement when they are not using the phone, rather than forcing the user to interact with the advertisement when they are wanting to use the phone for other purposes. Such a method of advertising is much less likely to annoy the user to the extent of current methods.

Abstract: A system and method for facilitating electronic commerce over a network, according to one or more embodiments, includes communicating with a user via a user device and a business entity via a business entity device over the network, monitoring user navigation events over the network, determining a mood of the user based on user navigation behavior, marketing to the user based on the mood of the user, and storing user information related to the user navigation events and the mood of the user.

Abstract: A method for identifying, contracting, evaluating, bounding, and filtering out uncertainty in survey data is provided. The method includes: receiving survey responses with respect to a customer survey; constructing a simulated numerical model that replicates the structure of the original survey by using responses that are generated randomly from distribution of responses with constraint variability that specifically account for the uncertainty that arises from the subjective nature of sampling response from an ordinal range of possible options; matching between the original survey and the numerical model using a machine learning algorithm; and evaluating and filtering out the uncertainty of the original survey. In addition, a method is offered to constrain and contract the uncertainty by assigning survey responses to corresponding evenly distributed bins and by calibrating the survey responses by attaching a short textual description to each of the ordinal values in the original survey.

Abstract: A method, computer system, and a computer program product for product safety is provided. The present invention may include scanning a product inventory. The present invention may include classifying one or more products within the product inventory based on an expiration evaluation. The present invention may include applying a price discount or a display modification notification based on a classification of the one or more products.

Abstract: A method includes receiving a request from a customer to open a subscription account, creating the subscription account for the customer, and deducting a fee from the subscription account. The fee is structured to subsidize benefit fees associated with benefits for the customer. The method includes determining a benefit for the customer. The benefit is offered by a third-party vendor in exchange for an associated fee. The method includes reimbursing the subscription account for the customer in an amount of the fee associated with the benefit. The method includes gathering financial information associated with the customer, analyzing the financial information to identify positive financial behavior of the customer, invoking a graphical depiction executable via a user interface on a device associated with the customer, determining that the positive financial behavior meets a threshold, and offering the customer a reward based on the positive financial behavior meeting the threshold.

Abstract: Methods and apparatus to identify an emotion evoked by media are disclosed. An example apparatus includes a synthesizer to generate a first synthesized sample based on a pre-verbal utterance associated with a first emotion. A feature extractor is to identify a first value of a first feature of the first synthesized sample. The feature extractor to identify a second value of the first feature of first media evoking an unknown emotion. A classification engine is to create a model based on the first feature. The model is to establish a relationship between the first value of the first feature and the first emotion. The classification engine is to identify the first media as evoking the first emotion when the model indicates that the second value corresponds to the first value.

Abstract: A computer-implemented method for optimizing the placement of previously selected breaks in a media item is provided herein. Embodiments of the method include steps of identifying a break in a media item, the break being associated with a first break point at a first time during playback of the media item. The method may also include steps of dynamically adjusting the placement of the breaks within the media item based on the performance of the media item.

Abstract: In various embodiments, promotions are featured on mobile gaming devices. Data based on which a first promotion associated with a first advertiser may be displayed on a mobile gaming device. The data may include a first set of criteria identifying when the first promotion should be displayed.

Abstract: In general, the subject matter described in the specification can be embodied in methods, systems and program products for a verified participant database system that verifies information on potential participants for surveys and promotions that require numerous participants with certain characteristics. Among other features, the verified participant database system aggregates and preferably verifies information, for example, the demographic and purchasing information, of potential participants by receiving permission to obtain information from third-party sources.

Abstract: Examples described herein relate to apparatus and methods for managing rewards for a customer of a financial institution, including but not limited to, determining a transaction pattern associated with transactions made by the customer, determining a deviation from the transaction pattern, determining an event associated with the customer based on the deviation, and determining rewards that correspond to the event for the customer.

Abstract: Systems and methods are provided for providing an adjustment to a value estimate for a property that is considered distressed. In one embodiment, a method includes receiving the estimate of value for the property; determining, based on a model, the adjustment to the estimate of value, such that the model accounts for a characteristic of the property and a characteristic of the loan; and providing the adjustment.

Abstract: A method and apparatus that provides for marketing and selling of goods by a computer application that interconnects with a media source that displays the goods.