Abstract: Methods and systems are provided for electronically managing coupons. The user no longer has to clip and organize coupons. The need for hand processing of coupons is substantially reduced. Rebates or payments for coupons can be substantially hastened and can be deposited directly into a user's bank, credit card, or payment provider account. Merchants and manufactures no longer have to be concerned with receiving bad (e.g., invalid, expired, or counterfeit) coupons. Thus, the electronic coupon management system benefits the users, merchants, and manufactures.

Abstract: The present disclosure is directed to systems and methods for determining one or more incentives for a user. For example, a method that may include: receiving a selection of an objective from among a plurality of objectives from a user via a client device; presenting, based on the selected objective, one or more incentives from among a plurality of incentives to the user, the plurality of incentives being based on a machine learning model trained to determine the plurality of incentives based on past purchases; receiving a selection of at least one of the one or more incentives from the user via the client device; and determining whether to allocate the selected one or more incentives based on a performance of the user.

Abstract: An information processing device includes an accompanier identifying unit for identifying one or more current or future accompaniers of a user, an action history extracting unit for extracting, from action history accumulated regarding the user, action history in which identification information of the one or more accompaniers identified by the accompanier identifying unit is correlated, and a content identifying unit for identifying content corresponding to the extracted action history, as the content to be provided to the user.

Abstract: An approach is provided for trading card platform. The approach involves, for example, initiating a reading of a machine readable code from a trading card to determine a card identifier. The approach also involves querying for one or more attribute data records associated with the trading card based on the card identifier. The approach further involves computing a value metric based on the one or more attribute data records and presenting a user interface displaying a digital representation of the trading card, the one or more sponsorship data records, the value metric, or a combination thereof.

Abstract: A method provides a mobile billboard messaging app and non-transitory computer readable electronic storage medium. The method includes a computer database electronically storing merchant/advertiser and user information in communication with a software application running in a mobile device of the user. The mobile device has GPS technology, a display screen and Internet connectivity. The method displays on the user's device messages from an advertiser that are logically related to user preferences when the user device is in a given location radius. Where a correlation is found, at least one message from the advertiser is displayed. The message is triggered when the device enters within the given radii from the advertiser. When triggered, the messaging app provides relevant real-time promotions, deals and coupons related to the user preferences. The mobile billboard displays target messages based on both the user's preferences and the user's geographical real-time location.

Abstract: Provided is a product/service proposal system and computer program product for making, to a user who considers purchase of a product and/or service, a proposal leading the user to purchase a product and/or service using a display serving as communication means between the user and a supplier that supplies a product and/or service. The product/service proposal system includes a user action history acquisition unit configured to acquire a user action history, a parameter setting unit configured to set parameters indicating preferences of at least one of the user and the supplier in a process in which the user considers the purchase of the product and/or service, and a display proposal unit configured to determine a product and/or service to be proposed to the user on the basis of at least one of the user action history and the parameters and to make a proposal leading the user to purchase the determined product and/or service to the user using the display.

Abstract: The present principles are directed to systems and methods for providing a trading system cooperatively integrated with manufacturing control and distribution systems, and, more specifically, to provide a trading, clearance, settlement, and depository for securities, commodities, and their derivatives (collectively “securities”) that utilize asset-backed, virtualized data tokens and blockchain technology to facilitate price discovery and automated transactions at all stages of the asset development, manufacturing, and distribution of commodities.

Abstract: A system including a processor may filter a population to identify a group having members, and deliver, over an electronic network, a survey to members of the group to determine value preferences and value gaps. The survey may be made according to a set of paired comparisons or other related techniques. The system may generate vectors according to the determined value preferences and value gaps for members of the group, which may have lengths equal to numbers of determined values for the members. The system may cluster members of the group into segments by calculating patterns of differences between generated vectors. Results of this process enable the creation of a predictive model to estimate segment membership, which can be used in the generation of a promotion for display corresponding to a clustered segment, and deliver the promotion to a client device associated for display.

Abstract: Briefly, embodiments disclosed herein may relate to digital content selection, and more particularly to weighted pseudo-random digital content selection for use in and/or with online digital content delivery, such as online advertising, for example.

Abstract: Advertising audience segment creators, including methods, systems, and apparatuses for automated creation of audience segments in advertising platforms are disclosed herein. Data may be received at a processor of an application server from a remote device. The data may be related to a user of the remote device. An audience member may be retrieved from an audience database. The audience member may correspond to an external identifier of the user. The audience database may be stored on an electronic storage device. The audience member may be assigned to an event. The assigning of the audience member to the event may be based on the data. Assigning the audience member to the event may be based on a refresh interval. The refresh interval may be of an audience segment. The audience segment may be refreshed. The event may be synchronized with an external advertising platform.

Abstract: A system includes a multi-person authentication server which receives an authentication request corresponding to a request to provide a first user access to a secure server. In response to the authentication request, a challenge-response message is provided to the first user device. A push notification is also provided to a second user device. A response to the challenge-response message is received from the first user device. If the received response indicates the first user is authenticated, the first user is allowed to access the secure server. If the received response indicates the first user is not authenticated, the first user is prevented from accessing the secure server.

Abstract: Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and cause the one or more processors to perform (1) receiving a request to generate one or more campaigns; (2) determining one or more predicted bids for one or more keywords in the one or more campaigns; (3) adjusting the one or more predicted bids for the one or more campaigns; (4) pacing the one or more predicted bid, as adjusted, for the one or more campaigns; and repeating (2)-(4) at one or more periodic intervals. Other embodiments are disclosed herein.

Abstract: The present disclosure relates to systems, methods, and computer-readable media for selectively identifying lodging content from listings provided by different listing providers and generating a composite listing that includes content selected across the different providers. For example, systems described herein may include content selection models that are trained to select different content types from listings that are provided by different listing providers based on features of the content and/or users. The composite listing may enable a user to book a stay with a lodging facility based on content presented via different third-party content providers for the same facility.

Abstract: This application relates to apparatus and methods for automatically determining and providing personalized user personas of a customer for specific platforms (e.g., applications). In some examples, a computing device receives a persona request identifying a user and a platform. In response, the computing device obtains user data associated with the user and a plurality of potential user personas from a database. For each of the plurality of potential user personas, the computing device then determines a combination score for the user based on the user data. The combination score indicates user's affinity to a corresponding potential user persona within the platform. The computing device selects at least one potential user persona of the plurality of potential user personas as a final user persona for the user and the platform based on the corresponding combination score.

Abstract: A system for evaluating health risk is provided. The system may be configured for requesting first data from a merchant associated with a user and second data from an activity tracking service associated with the user. The system may also comprise analyzing the item to determine a first health impact for the item based on the item and demographic information associated with the user. The system may further comprise analyzing the level of activity to determine a second health impact from the level of activity based on the level of activity and the demographic information associated with the user. The system may further comprise selecting an advertisement based on medical data, and at least one of the first health impact, the second health impact and the demographic information associated with the user.

Abstract: A computer-implemented method of recommending a payment option includes receiving data of payment options for a user. Data of a prospective purchase to be made by the user is received. At least two of the payment options are available for making the prospective purchase. A classifier determines an available incentive associated with each of the at least two payment options. The classifier applies a value to each of the incentives. The classifier compares the values for each of the incentives. A payment option having the highest corresponding incentive value is identified. The payment option having the highest corresponding incentive value is recommended to the user.

Abstract: The present disclosure describes transaction-enabling systems and methods. A system can include a facility having a core task and a controller. The controller may include a facility description circuit to interpret historical facility parameter values and corresponding outcome values. A facility prediction circuit operates an adaptive learning system to train a facility resource allocation circuit in response to the historical facility parameter values and corresponding outcome values. The facility description circuit further interprets a plurality of present state facility parameter values and the trained facility resource allocation circuit adjusts facility resource values in response.

Abstract: A mobile billboard messaging app and non-transitory computer readable electronic storage medium method includes a computer database electronically storing merchant/advertiser and user information in communication with a software application running in a mobile device of the user, the mobile device having location identifying technology, a display screen and Internet connectivity capability. The system displays messages logically related to a user's preferences from an advertiser on the display of a user's devices when the user device is in a given location radius when correlated with user's preferences. Where a correlation is found, at least one message from the advertiser is displayed. The message is triggered when the device enters within the given radii from the advertiser. When triggered, the messaging app provides relevant real-time promotions, deals and coupons related to the user preferences.

Abstract: A method including obtaining historical revenue per click (RPC) data. The method also can include generating hourly RPC prediction data for a predetermined time period based on the historical RPC data. The method additionally can include determining (i) time intervals from within the predetermined time period and (ii) a respective modifier for each of the time intervals, based on the hourly RPC prediction data. The acts method can include uploading the time intervals and the respective modifiers for the time intervals to a dayparting system of a search engine. Other embodiments are described.

Abstract: A mobile billboard messaging icon displays messages related to a user's preferences from an advertiser on the display of a user's devices, such as Smartphone or tablet, having Internet connectivity, location technology, and logic means for determining when the user device is in a given vicinity of the advertiser's location. The coordinate location of the device is used to identify advertiser's locations within a preselected distance that correlate with user's preferences. Where a correlation is found, at least one message from the advertiser is displayed on the Smartphone or tablet device. The message is triggered when the device enters within the given radii from the advertiser. When triggered, the messaging icon provides relevant real-time promotions, deals and coupons for purchase of goods and services of the advertisers or sponsors related to the user preferences. The mobile billboard displays target messages based on both the user's specific preferences and the user's geographical real-time location.