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: 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: 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: 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: 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. 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 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 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.

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 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: A geographic searching system and method for a mobile terminal provides for accessible search results based on spatial characteristics of the mobile terminal. A displacement distance is established for a look-ahead search region, and the look-ahead search region is defined using a location-determination module of the mobile terminal and based on the spatial characteristics of the mobile terminal Relevant points of interest within the look-ahead search region are identified.

Abstract: A method and apparatus are provided for the management and delivery of electronic/digital content including high bandwidth video, audio, games and data to end users. The electronic content is stored in an array of computer file/database servers. Integrated software systems provide subscriber management and billing, content management, security, targeting, bandwidth management, and delivery of requested content to end users. The system includes a user interface which simplifies operations for customers and tightly integrated commerce functions. The proposed method and apparatus would assist in the operation of a network that is connected to the Internet and has a plurality of customers (end users). Under current available technology, the proposed method and apparatus would best function over a wired network. However, as wireless technology becomes more robust and cost-effective, the current invention will be able to provide functionality for end users using wireless devices.