Abstract: A mobile client device or the like stores a library of potential points of interest that are pre-transferred to the mobile device by the system. The system identifies a normal commerce range and transfers information relating to potential points of interest based on the normal commerce range of the user. By accessing the library of points of interest stored on the mobile client device, network roundtrips between the device and server can be minimized, thereby enhancing performance characteristics of the mobile client device.

Abstract: Business profiles are created using information from third parties. A user is enabled to indicate a business type for one or more merchants, and a system prompts the user to input information relating to the one or more merchants. The system determines the validity of the input information, and when the validity of the input information is verified, the input information is transformed into directory information. Official merchant pages can thus be created by crowd-sourcing important and pertinent information, which will lead to a more extensive directory of businesses and allow users a more complete and enjoyable experience.

Abstract: Directing marketing notifications in a customer deviant location is achieved by identifying log in locations and transactions that break regular patterns. Once it is determined that a customer is located in a deviant location, an automated customized marketing campaign is sent to the customer for the new location using both the user's account information and home spending activity and the new city information.

Abstract: Utilizing geo-fencing technology on mobile devices, notifications are sent to a user when they enter a variable sized radius of a merchant offering an eReward. The notification may allow the user to redeem the reward directly from the notification, by allowing the user to confirm their intent and causing the user to receive a terms and conditions alert. Once the terms and conditions alert is accepted, the user will hit a website end-point that will deduct the points from the eRewards account and present the eReward to the mobile client device, e.g., into a “passbook” or the like. In a preferred embodiment, only users with the capability to purchase the reward will be notified, and users will be able to one-step redeem the award from the notification itself.

Abstract: Business profiles are created using information from third parties. A user is enabled to indicate a business type for one or more merchants, and a system prompts the user to input information relating to the one or more merchants. The system determines the validity of the input information, and when the validity of the input information is verified, the input information is transformed into directory information. Official merchant pages can thus be created by crowd-sourcing important and pertinent information, which will lead to a more extensive directory of businesses and allow users a more complete and enjoyable experience. The system ranks users on their knowledge and input versus other users, and the system maintains a leaderboard that may be tied to user awards as an incentive to input information.

Abstract: A touchless interaction with a computer is desirable as augmented reality devices become more of a reality. A user gesture may be recognizable using a built-in camera. A processor identifies a user pre-gesture based on digital images from the camera. The processor associates a point of interest on the display according to one of a shape and a position of the user pre-gesture. The processor identifies a change from the user pre-gesture to a user gesture based on the digital images from the camera, and the processor executes an appropriate action or program based on the user gesture.

Abstract: A mobile client device or the like stores a library of potential points of interest that are pre-transferred to the mobile device by the system. The system identifies a normal commerce range and transfers information relating to potential points of interest based on the normal commerce range of the user. By accessing the library of points of interest stored on the mobile client device, network roundtrips between the device and server can be minimized, thereby enhancing performance characteristics of the mobile client device.

Abstract: A mobile device includes a memory storing applications, a processor communicating with the memory and executing the applications, and a GPS tool cooperable with the processor and accessing geolocation data of the mobile device. The GPS tool identifies a commerce range for the mobile device. A user interface communicates with the processor, and a display is cooperable with the user interface and communicates with the processor. The applications include a map tool that is cooperable with the GPS tool and the processor such that the processor displays a map on the display at a zoom level that is determined based on the commerce range.

Abstract: A merchant funded rewards program for a participating entity enables merchants to become member merchants by registering with the program and receives transaction data from the participating entity. Reward points are provided to customers of the participating entity according to parameters defined by the member merchants based on the transaction data. Fees are charged to the member merchants for the rewards points.

Abstract: A graphical user interface is cooperable with geopositioning hardware and software on a user device. The geopositioning hardware and software identify points of interest relative to a current location of the user device according to user-defined search parameters. The graphical user interface includes a geographic summary thumbnail that graphically summarizes distance and direction to a respective one of the points of interest with respect to the current location.

Abstract: Content is rendered based on a measured velocity of an internet capable mobile device (ICMD). The ICMD accesses a database of content, and a user interface is activated for searching the database of content. After determining a current velocity of the ICMD, customized content based on search parameters input via the user interface and based on the current velocity of the ICMD is rendered.

Abstract: A system for merchant disambiguation using receipt data accesses a receipt database and clusters the receipt information according to product characteristics. The system identifies merchant similarities according to the clustered receipt information, and an offer engine module generates competitive offers based on the merchant similarities.