Abstract: According to one embodiment, an apparatus stores a user account and a points balance associated with the user account. The apparatus further determines a geographic location of a user associated with the user account. The apparatus then communicates, based at least in part upon the geographic location, an offer for a product. The produce may be associated with a points price and the points balance is at least equal to the points price. The apparatus then receives a signal indicating acceptance of the offer. The signal may be associated with the user account. The apparatus then communicates a second signal indicating that the user can receive the product.

Abstract: According to one embodiment, an apparatus may store a plurality of accounts. The apparatus may present, in a first region of a display, information associated with a first account in the plurality of accounts; in a second region of the display, information associated with a second account in the plurality of accounts; and in a third region of the display, a plurality of transfer amounts. The apparatus may detect a touch on the third region of the display indicating a selection of a transfer amount from the plurality of transfer amounts. The apparatus may communicate, in response to the detection of the touch, a message to initiate the transfer of the selected transfer amount from the first account to the second account.

Abstract: According to one embodiment, an apparatus may store a user account and a points balance associated with the user account. The apparatus may determine a geographic location of a user associated with the user account and communicate, based at least in part upon the geographic location, an offer for a product. The offer may be associated with an expiration time. The product may be associated with a points price. The points balance may be at least equal to the points price. The apparatus may receive a signal indicating an acceptance of the offer. The signal may be associated with a timestamp and with the user account. The timestamp may indicate a time that is at least as early as the expiration time. The apparatus may communicate a second signal indicating that the user can receive the product.

Abstract: Apparatus for calculating and displaying a banking customer's banking history is provided. The apparatus may include a receiver configured to receive a first set of data relating to a plurality of deposits and a plurality of withdrawals. Each of the plurality of deposits and each of the plurality of withdrawals may be associated with a numerical value and a calendar date. The apparatus may further include a graphical user interface. The graphical user interface may be configured to display a timeline in a first screen region. The timeline may include a plurality of demarcations, each of the demarcations being associated with a calendar date. The graphical user interface may be further configured to display in a second screen region a plurality of balloons. Each of the plurality of balloons may display one or more deposits and withdrawals included in the first set of data.

Abstract: Various examples are disclosed of how to leverage technology in a vehicle to provide various services in a convenient manner. For example, the pairing of the portable device with the on-board computer of the vehicle may be utilized as a level of authorization to provide certain services in a more automated and/or convenient way to the vehicle driver or other occupant of the vehicle, such as by authenticating wireless transactions with entities external to the vehicle using device pairing technology, and by modifying vehicle navigation routes to include suggested nearby points of interest that may be determined to be of particular value to a vehicle occupant.

Abstract: Various examples are disclosed of how to leverage technology in a vehicle to provide various services in a convenient manner. For example, the pairing of the portable device with the on-board computer of the vehicle may be utilized as a level of authorization to provide certain services in a more automated and/or convenient way to the vehicle driver or other occupant of the vehicle, such as by authenticating wireless transactions with entities external to the vehicle using device pairing technology, and by modifying vehicle navigation routes to include suggested nearby points of interest that may be determined to be of particular value to a vehicle occupant.