Abstract: Systems and methods are disclosed for electronically transferring currency from a source user account to a target user account in relation to a game application. A payment service provider may receive a request to transfer an amount of currency from the source user account to the target user account to be used for the game application.

Abstract: Systems and methods for providing multi-platform, in-application payments include transferring funds, by a payment service provider device, from a funding source to a payment account in response to receiving a first fund transfer instruction from one of a first user device and a second user device over a network. The payment service provider device then associates the payment account with a first platform application in response to receiving a first association instruction from the first user device over the network, and associates the payment account with a second platform application in response to receiving a second association instruction along with the user account information from a second user device over the network. The payment service provider device will pay for each of a first in-application purchase associated with the first platform application and a second in-application purchase associated with the second platform application using the payment account.

Abstract: Systems and methods for providing routine suggestions include receiving a plurality of user activity data associated with locations within a home location area of a user at a plurality of different times. A subset of the plurality of user activity data is determined to include a location type and a reoccurring time period. A routine identifier is then provided to the user that includes the location type and a plurality of attributes associated with the location type. Routine details that rank the plurality of attributes associated with the location type are then received. A confirmed routine is then associated with the user that includes the location type, the reoccurring time period, and the ranked plurality of attributes. The confirmed routine may then be used to provide routine suggestions that suggest locations to the user to continue with their routines when they are away from the home location area.

Abstract: Systems and methods for providing multi-platform, in-application payments include transferring funds, by a payment service provider device, from a funding source to a payment account in response to receiving a first fund transfer instruction from one of a first user device and a second user device over a network. The payment service provider device then associates the payment account with a first platform application in response to receiving a first association instruction from the first user device over the network, and associates the payment account with a second platform application in response to receiving a second association instruction along with the user account information from a second user device over the network. The payment service provider device will pay for each of a first in-application purchase associated with the first platform application and a second in-application purchase associated with the second platform application using the payment account.

Abstract: A service provider receives from a user who has an account with it contact card information and recipient information picture information, therefrom determines a virtual contact card and contact channels through which the virtual contact card is sent to the recipients designated by the user, and sends the virtual contact card to the designated recipients through the contact channels. The virtual contact card and contact channels may be selected from what have been previously registered, either by the user or a third person, with the service provider and stored in the user's account, or just newly created, updated, and sent from the user at the time of transmission request to the designated recipients. The virtual contact card, when updated by the user, may be automatically sent by the service provider to the same recipients that previously received a pre-updated version.

Abstract: Systems and methods for health issue detection and treatment include collecting, from at least one wearable user device associated with a first user, user health data at a plurality of different times. Previous user health data retrieved from the at least one wearable user device associated with the first user at a plurality of previous times is analyzed to create a first user health profile that is stored in a database. The current user health data retrieved from the at least one wearable user device associated with the first user at a current time is compared with the first user health profile stored in the database and, in response, a first user health deviation is detected. A first user health treatment is then provided for display on a first user device that is associated with the first user.

Abstract: A service provider receives from a user who has an account with it contact card information and recipient information picture information, therefrom determines a virtual contact card and contact channels through which the virtual contact card is sent to the recipients designated by the user, and sends the virtual contact card to the designated recipients through the contact channels. The virtual contact card and contact channels may be selected from what have been previously registered, either by the user or a third person, with the service provider and stored in the user's account, or just newly created, updated, and sent from the user at the time of transmission request to the designated recipients. The virtual contact card, when updated by the user, may be automatically sent by the service provider to the same recipients that previously received a pre-updated version.

Abstract: Techniques for providing a virtual item shopping environment are presented herein. A dimension module may be configured to determine one or more dimensions of a person near a display. A selection module may be configured to select one or more items from a database based on the determined dimensions. A display module configured to present the one or more items on the display. In other embodiments, the selection module may further be configured to receive a selection from the person via a user interface. The selection may indicate one of the presented items. In another embodiment, the display module may be configured to display a live real-time video of the person wearing the selected item. The live real-time video may include video of the person with an overlaid image of the selected item.

Abstract: Systems and methods for facilitating the purchase of tagged items for a friend are described. The methods include receiving a communication with a link to one or more items tagged by a first user for a second user, transmitting the communication to a user device of the second user, receiving a payment request in connection with the one or more tagged items from the user device, and processing the payment request.

Abstract: A system or method is provided to generate and display incentives or promotions for a group. In particular, the incentives or promotions may be generated based on the combined preferences of the individuals in the group. Further, activities or transactions participated together as a group may be used to infer incentives or promotions for the group. Individuals may be identified or detected as a group based on social networks or contact lists. Further, the group may be identified or detected by detecting the proximity of each other's mobile devices via Near Field Communication (NFC), such as Bluetooth Low Energy (BLE). A shopping display may be installed at a shopping venue to provide directions and/or suggestions to consumers. The shopping display may detect that a group of associated consumers are viewing the shopping display and may generate and display promotions or incentives tailored to the group.

Abstract: A system or method is provided to implement event notifications in real time. In particular, a possible event occurrence, such as a spontaneous or unannounced musical concert, is detected based on a user's interactions with the user's communication device, such as the user's video or audio recording of an event or communication regarding an event, such as texting, tweeting, online posting, social network comments, and etc. An event notification may be generated based on the possible occurrence of this event. The user's communication device may broadcast this event notification via Bluetooth or Near-Field Communication (NFC) to other nearby communication devices. As such, users of the nearby communication devices may be notified of the occurrence of the event. In another embodiment, a communication device may receive various event notifications broadcasted from nearby communication devices. Relevant notifications may be selected and presented to the user based on a user's preferences.

Abstract: There is provided systems and method for a point of sale item payment option. The methods include receiving user information and item information, wherein the user information and item information is received after a communication between a user device and an item point-of-sale (POS) device, determining one or more credit options or one or more incentives for purchasing an item based on the user information and the item information, and transmitting a message including the one or more credit options or the one or more incentives for display to the user. The item information may include an item identifier, an item price, an item reduced price sale offer, merchant information, and a visual image capturable by the user device. The one or more credit options may include a credit card option, an installment credit option, and a revolving credit option.

Abstract: A system according to an embodiment comprises one or more processors; and one or more memories adapted to store a plurality of machine-readable instructions which when executed by the processor(s) are adapted to cause the system to: receive, from a user device of a user, user input search information in connection with one or more desired items of interest to the user; determine one or more service providers or entities offering the one or more desired items based on a location of the user device; and generate comparative data for the one or more service providers or entities that provide the desired item(s) based on historical data of the one or more service providers or entities and the received user input search information.

Abstract: Systems and methods for data a product search using user selections in images are described. The methods include receiving, from a user device, a user selection corresponding to an element in an image, wherein the element is one of a plurality of elements associated with the image, determining at least one product based on the user selection, and communicating the at least one product to the user device. The user selection may correspond to at least one of a color selection, a shape selection, a product selection, and a brand selection in the first image. The method may further include receiving additional user selections and determining additional products based on the user selections.

Abstract: A method for providing multi-payer, location-based payments includes detecting at least one mobile device using a near field communication device. At least one of a plurality of secondary payers that is associated with a social network of a primary payer is determined to also be associated with the at least one detected mobile device. A first current location is determined, a first payee associated with the first current location is retrieved, and a preferred payment account for each secondary payer associated with a detected mobile device is retrieved. A payment application is then provided that allows payments to be made to the first payee from the primary payer via a first primary payer preferred payment account and from each secondary payer associated with a detected mobile device via a respective secondary payer preferred payment account.

Abstract: A user can obtain a list of products previously purchased at a store where the user is presently shopping via the user's mobile device. The user can use this list to determine if any of the products previously purchased should again be purchased on the present shopping trip. For example, the user can choose from an app on the mobile device to view products purchased by location. A location based shopping list system can then determine at which store the user is shopping based upon a UPS location provided by the user's mobile device. The location based shopping list system can then return the list of product previously purchased at that store.

Abstract: Systems and methods for providing routine suggestions include receiving a plurality of user activity data associated with locations within a home location area of a user at a plurality of different times. A subset of the plurality of user activity data is determined to include a location type and a reoccurring time period. A routine identifier is then provided to the user that includes the location type and a plurality of attributes associated with the location type. Routine details that rank the plurality of attributes associated with the location type are then received. A confirmed routine is then associated with the user that includes the location type, the reoccurring time period, and the ranked plurality of attributes. The confirmed routine may then be used to provide routine suggestions that suggest locations to the user to continue with their routines when they are away from the home location area.

Abstract: Systems and methods for providing routine suggestions include determining that a user is in a current location that is over a predetermined distance from a home location that is associated with the user in a non-transitory memory. A current time is then determined that corresponds to a time period associated with a routine purchase type that is associated with the home location in the non-transitory memory. At least one merchant is then retrieved over a network that is associated with the current location and that provides the routine purchase type. The at least one merchant is then displayed on a display device. The systems and methods operate to “learn” routine purchases made by the user in a home location, and then provide suggested merchants at which those routine purchases can be made when the user is in a location different from the home location.

Abstract: Systems and methods are provided for cross platform application transactions according to one or more embodiments. In an embodiment, a system comprises one or more processors and one or more memories adapted to store a plurality of machine-readable instructions which when executed by the one or more processors are adapted to cause the system to: receive an input comprising selection of an application for a transaction in connection with a recipient device, wherein the application is operable on one or more application platforms; receive identifier information of the recipient device; determine an application platform associated with the recipient device based at least in part on the identifier information of the recipient device; and present the application platform associated with the recipient device.

Abstract: Systems and methods for providing multi-platform, in-application payments include transferring funds, by a payment service provider device, from a funding source to a payment account in response to receiving a first fund transfer instruction from one of a first user device and a second user device over a network. The payment service provider device then associates the payment account with a first platform application in response to receiving a first association instruction from the first user device over the network, and associates the payment account with a second platform application in response to receiving a second association instruction along with the user account information from a second user device over the network. The payment service provider device will pay for each of a first in-application purchase associated with the first platform application and a second in-application purchase associated with the second platform application using the payment account.