Abstract: Artificial intelligence-driven data exchange systems and methods are disclosed herein. A method can include verifying when a merchant or brand is a participating member in an exchange ecosystem and the merchant or brand in good standing, determining if a member has sufficient exchange currency in a member account to complete a transaction, determining if the member has linked a credit or debit card to their member account, and approving the transaction based on an exchange score for the member and the credit or debit card.

Abstract: Systems and methods for verifying and enabling cross-entity and split exchange for fraud protection are disclosed. Some embodiments may include: receiving, from a Point of Sale (POS) device at a server device, associated member card to Point of Sale data resulting from an associated member card being submitted to the Point of Sale (POS) device for a merchandise or service transaction, the associated member card to a Point of Sale data comprising meta data, card member information, merchant information, purchase information, and location data of the merchandise or service transaction, verifying, using the server device, the location data of the merchandise or service transaction being within permitted locations thereby preventing fraud by blocking transactions at unverified locations, determining, using the server device. Moreover, systems enabling cross-entity and split exchange for fraud protection are disclosed.

Abstract: Permissions engine and methods for managing cybersecurity and privacy compliance and obligations are disclosed herein. An example method includes receiving brand information from brands, the brand information identifying consumer data that each of the brands is interested in receiving. The method includes receiving consumer permissions for the consumer data from a consumer, the consumer permissions comprising what portions of the consumer data are to be shared with the brands, on a brand-by-brand basis. The method includes receiving the consumer data, and determining when the consumer permissions and the brand information coincide. The method can also include sharing the consumer data with the brands when the consumer permissions and the brand information coincide, and providing the consumer with a reward in exchange for sharing the consumer data.

Abstract: A robust data delivery system between a server and a mobile client uses the Short Message Service (SMS) and General Packet Radio System (GPRS) services. A user and/or messaging provider set preferences on the mobile client for service coverage estimation that balances SMS and GPRS service coverage estimations for the mobile client, and/or service selection preferences that are expressed using a balance of cost of service and reliability of service. The mobile client receives a message from the server, sent using either the SMS or GPRS services. The mobile client checks the status of its SMS and GPRS signals. The mobile client weighs preference settings and the SMS and GPRS signal statuses to decide whether to answer the server using SMS or GPRS. If GPRS is selected, then the mobile client answers using GPRS; if SMS is selected, then the mobile answers using SMS.

Abstract: A system for navigating an online information system is disclosed. Subscribers provide topic and action preferences to traverse to a customized content area in which related tasks may be completed. Customized content areas are reached after subscribers make three or fewer selections. Paths to customized content areas are similar for all combinations of topics and actions so subscribers learn quickly how to navigate to any area of the information service.

Abstract: A system is disclosed that integrates through a single client application access to information resources from a proprietary online service and the Internet. Using a single Web-based client, subscribers enter selections regarding the type of information they would like to retrieve. Relevant information is retrieved from the Internet using the Uniform Resource Locator (URL) addressing scheme of the Internet to locate information on the Internet. Relevant information is retrieved from the online service using extensions to the URL addressing scheme. The extensions map to a proprietary protocol used to obtain information resources from the online service. The client application understands the URLs and extended URLs and manages presentation of the information regardless of the source. Using the present invention, subscribers to online services are no longer required to toggle between a Web browser and service provider communication software in order to view content from both locations.