Abstract: A coupon-minter is configured to perform operations including: generating a coupon comprising encrypted discount information, wherein the encrypted discount information is encrypted with a discount key; generating, for the coupon, a hashlock from a preimage; introducing the coupon to a blockchain in association with the hashlock, wherein the blockchain is configured to permit claiming of the generated coupon only upon receiving access to the preimage used to generate the hashlock. A store-manager configured to perform operations including: claiming, using the preimage, the coupon in the blockchain; encrypting the discount key with a clearing-house public key; updating the coupon with the encrypted discount key. A clearing-house-manager configured to perform operations comprising: detecting the store-manager's claiming of the coupon; decrypting the encrypted discount key with a clearing-house private key to re-generate the discount key; and decrypting the encrypted discount information with the preimage.

Abstract: The present disclosure generally relates to an electronic system, a computerized method, and a non-transitory computer-readable storage medium comprising instructions for processing a transaction between a consumer and a merchant with a payment instrument of the consumer selected for the merchant.

Abstract: A method for facilitating transactions is provided. Various users register their payment modes to avail a payment mode interchange service offered by a server for online purchases. During registration, the users specify corresponding offer amounts in exchange for allowing purchases of other users to be performed by using their payment modes. When an offer on a purchase is not applicable on a payment mode of a first user, the first user is recommended by the server to make the purchase by using a payment mode of a second user on which the offer is applicable. The payment mode of the second user is charged with a purchase amount of the purchase and the offer amount specified by the second user is billed on the payment mode of the first user. The second user receives the offer amount and the first user receives an incentive associated with the offer.

Abstract: A method and an apparatus for provisioning optimized content to customers are disclosed. The method includes determining at least one attribute associated with a customer active on a web interface associated with an enterprise. A plurality of baseline contents and a plurality of content elements are accessed from a database and at least one baseline content and at least one content element are selected based on the at least one attribute associated with the customer. A customized advertisement is generated using the at least one baseline content and the at least one content element.

Abstract: A system, method, and computer program product for dynamic application selection for payment transactions determines identification data of an issuer institution associated with a portable financial device based at least partially on transaction data associated with at least one transaction at a merchant with the portable financial device. At least one electronic service application of a plurality of electronic service applications is determined based at least partially on the identification data of the issuer institution. Electronic service application data associated with the at least one electronic service application and stored in association with the issuer institution is accessed at a merchant system of the merchant. The at least one transaction is modified based at least partially on the electronic service application data associated with the at least one electronic service application.

Abstract: A technique for dynamically adjusting a digital advertising campaign during an active campaign flight is discussed. Using feedback from a digital survey over an exposed audience of user populations, brand lift may be calculated on a per ad creative and/or per site basis. User characteristics derived from content consumption patterns may be used to optimize ongoing campaigns and formulate target audiences and target creative formats for new campaigns.

Abstract: The present disclosure is directed to methods for identifying a user by a demand side platform (DSP) across advertiser exchanges. The method includes establishing, by a DSP, a cookie mapping for a user. The cookie mapping includes a mapping of user identifiers for the user from advertisement exchanges to a user identifier assigned by the DSP for the user. The DSP stores to the cookie mapping a first mapping to the user identifier of the DSP, comprising a first user id received by a bidder from a first exchange and a first exchange id for the first exchange. A bidder inserts a pixel into a bid for an impression opportunity to a second exchange. The pixel includes a key to the cookie mapping and a second user id for the user and a second exchange id. The second user id is received by the bidder from a second exchange.

Abstract: A system and method for advertising cannibalization management are provided. In example embodiments, historical data comprising advertisement revenue, advertisement parameters, and a cannibalization metric are accessed. The cannibalization metric is indicative of sales loss associated with an advertisement presentation. A value for at least one of the advertisement parameters that, when used, causes a desired advertisement revenue with respect to a bounded cannibalization metric is determined by analyzing the historical data. An advertisement is presented, in real time, on a user interface of a client device using the determined value.

Abstract: A system and method for advertisement campaign tracking and management using a multi-platform adaptive ad campaign manager, a plurality of network connections including a PSTN, the Internet, and a TV network, a cellphone, and dynamic advertisements which a user may tap on, scan, or call with their cellular phone in order to receive an automated SMS response which may contain a link or button to click which may take them to a webpage to complete a transaction in accordance with the advertisement, shortening and automating the conduit from advertisement to user signup or purchase, especially in the case of TV advertisements.

Abstract: A method and apparatus of applying user profile information to a customized application are disclosed. One example method of operation may include receiving an inquiry from a user device at a customer call center server and identifying and authorizing the user from the received inquiry. The method may also provide retrieving a user profile from memory that includes history information based on previous interactions between the user device and the customer call center server and calculating a prediction as to a purpose for the inquiry. The prediction may be based on user profile history, social networking profile information, recent transactions, etc. The method may also provide transmitting a response to the inquiry based on the calculated prediction.

Abstract: Systems and methods described herein are directed to using a distributed ledger network and devices that transmit secured representations of distributed ledger addresses to prove the custody of an asset by a user at a particular location and time. In some implementations, a method includes: transmitting to a server system operating as a node on a distributed ledger network: a first secured representation of a distributed ledger address associated with a first location; a second secured representation of a distributed ledger address associated with an asset; and a third secured representation of a distributed ledger address associated with a user; and receiving a confirmation message from the server system.

Abstract: The subject personalized consumer advertising/ad placement system provides the ability for advertisers, ad agencies, and any other applicable organization to determine and electronically present their “ideal” consumer profile and have their advertisement/promotion placed in front of all consumers who match the profile based on the anonymous mining of the consumers actual spending across a broad base of spending categories.

Abstract: A computerized enhanced discreet coupon (EDC) processing system processes shopper EDC(s) using a scanner and a processor. The scanner scans purchased items. The processor generates tickets corresponding to the purchased items, syntactically validates shopper EDC(s), semantically checks the EDC(s), and authenticates the EDC(s). If an EDC is authentic, then the processor compares the EDC against the ticket to determine if the EDC qualifies, and if so, then the EDC is redeemable. Authentication can be accomplished by, for example, comparing EDC rule(s) and/or rule identifier(s) against genuine rule/identifier sets. Genuine rule set includes a qualifying rule and a redemption rule.

Abstract: A virtual punch card rewards system is described. The system includes a user database that stores user information concerning a plurality of users, a network interface configured to communicate data over a network, and a processing circuit comprising a processor and memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive transaction information concerning a payment account belonging to a user, determine a reward category for the user based on the retrieved transaction information, generate virtual punch card parameters for the user based on the determined reward category, and transmit, by the network interface over the network, virtual punch card content to a computing device associated with the user, the virtual punch card content including a first graphical interface configured to present the user with at least one of the generated virtual punch card parameters.

Abstract: The present disclosure is directed to methods and systems for determining competitive market values for an ad impression on an advertiser exchange. An engine executing on a device may receive a candidate set of inputs associated with ad impressions. The engine may determine competitive market values for an ad impression on an advertiser exchange. The engine may determine candidate clearing prices based on the candidate set of inputs and history of clearing prices on the advertiser exchange. The engine may generate, based on the candidate clearing prices, a competitive market value prediction for the ad impression on the advertiser exchange. The competitive market value prediction may comprise a distribution function of predicted clearing prices on the advertiser exchange. The engine may generate, based on the competitive market value prediction, a fair market value bid for the ad impression in the context of a specific ad campaign.

Abstract: Printable circuits may be used in combination with a point of purchase (POP) display (e.g., a consumer product display). The POP display may be configured to be deployed at a retail location. A printable circuit may be attached to the POP display with the printable circuit having printed data for a selected retail campaign associated with the POP display. The printed data may include one or more parameters for the selected retail campaign. A wireless beacon may be attached to the printable circuit on the POP display. The printable circuit may provide the parameters for the selected retail campaign to the wireless beacon when the wireless beacon is attached to the printable circuit. The wireless beacon may be assigned a unique identifier in at least one parameter provided to the wireless beacon by the printable circuit.

Abstract: A system, method, and non-transitory computer readable medium are provided for a smart coupon code. The smart coupon code is generated by receiving input that includes: a coupon discount for a purchasable item, a date range during which the coupon discount is valid, and one or more customer segments for which the coupon discount is valid, and further generated the smart coupon code, based on the input, to include an indication of: the coupon discount for the purchasable item, the date range during which the coupon discount is valid, and the one or more customer segments for which the coupon discount is valid. The smart coupon code can additionally validated against a requested purchase transaction based on the information indicated therein.

Abstract: A system may include a remote device and a server. The server may be configured to store a grocery items purchase history for a given user, and determine a medication to be dispensed to the given user. The server may also be configured to compare the medication to the grocery items purchase history and determine a grocery item having an interaction with the medication, and determine a substitute grocery item for the grocery item having the interaction with the medication. The server may generate a digital promotion for the substitute grocery item, and communicate the digital promotion to the remote device.

Abstract: Location data of a large number of mobile devices and map data are used to derive a large number of commute routes in a geographical area, which are used to build a relational database including associations between a plurality of road segments and a plurality of information documents. Each of the plurality of information documents corresponds to a billboard in the geographical area and includes information displayed by the billboard. A respective road segment in the relational database has one or more associations with one or more information documents, each of the one or more information documents being associated with the respective road segment by a corresponding probability value indicating a degree of likelihood of a traveler on the respective road segment being exposed to information displayed on a billboard corresponding to the each of the one or more information documents.

Abstract: Methods are disclosed for providing an ad-supported mobile data plan, where ad display may be tied to data usage levels and user input. A method includes receiving, using at least one processor, user interaction with advertisement content displayed on a device; retrieving, using the at least one processor, a data usage limit associated with the device; and causing a change in the data usage limit based on the user interaction with the advertisement content displayed on the device.