Abstract: Embodiments of the invention include systems, methods, and computer-program products for anonymizing a user utilizing oblivious transfer. In this way, the invention establishes a common index to identify members of a population sample, anonymizes the identities of sample members to each party, and exchanges statistics and characteristics of the sample population. The invention creates a common searchable index and anonymizes the sample members of the database via encryption of identification of individual customers in each sample. Each encryption provides for a strong encryption with a key and a homomorphic encryption. The homomorphic encryption allows for multiplication and/or addition on ciphertexts that, once decrypted, match the result that would have occurred had the operations been carried out on the plaintext. In some embodiments, the encryption may be either partially- or fully-homomorphic cryptosystems.

Abstract: Anonymously providing purchasing analytics associated with customer to a website while the customer is accessing the website. Specifically, a financial institution, having access to a customer's transactional data, can analyze the data to determine analytical purchasing data. Once the customer authenticates themselves at a financial institution website, a networked application or the like, an anonymous cookie that is configured to identify the analytical purchasing data is generated and stored in the web browser cache. In response to the customer using the device to access a website that displays advertisements, the anonymous cookie is retrieved from the web browser cache and the analytical purchasing data is provided to the website. In specific embodiments of the invention, the website uses the analytical purchasing data of the customer to determine which of the plurality of advertisements are to be displayed to the customer while they visit the website.

Abstract: The tool to provide anonymous data in response to a request for information is configured to receiving a request for information relating to a population of interest from a user; determining criteria associated with the population of interest, wherein the criteria define an individual representative of the population of interest; determining a characteristic of the individual within one or more categories; classifying the characteristic of the individual into a cluster, the cluster comprising a subset of all possible outcomes for the category; classifying a plurality of individuals from a database into clusters based on the one or more categories; determining a subset of the plurality of individuals that are similar to the individual representative of the population of interest based on the clusters; transforming the characteristics of the individuals in the subset to generate anonymous data responsive to the request for information; and providing the anonymous data to the user.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for anonymizing a user utilizing oblivious transfer. In this way, the invention establishes a common index to identify members of a population sample, anonymizes the identities of sample members to each party, and exchanges statistics and characteristics of the sample population. The invention creates a common searchable index and anonymizes the sample members of the database via encryption of identification of individual customers in each sample. Each encryption provides for a strong encryption with a key and a homomorphic encryption. The homomorphic encryption allows for multiplication and/or addition on ciphertexts that, once decrypted, match the result that would have occurred had the operations been carried out on the plaintext. In some embodiments, the encryption may be either partially- or fully-homomorphic cryptosystems.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for a distributive network system with specialized data feeds associated with the distributive network for identifying and predicting times of life events within a level of certainty. Utilizing machine learning techniques the likelihood of occurrence of a life event it identified based on a compilation of data points including customer total spend, the magnitude of item or merchant level transactions, and the frequency of item or merchant level transactions. Once a threshold of characteristics is reached, the system identifies with a degree of certainty that an event will occur and a time frame in which it will occur, termed an event horizon. One the event horizon is generated with sufficient evidence from the data points, future actions are positively-biased towards the occurrence of the event.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing network diffusion convergence and divergence analysis. Thus identifying the convergence of a network diffusion model and subsequent divergence of the diffusion back to normal spend standards. The invention creates a repository of spend data for a period of time and for a specific category of purchases. Using geospatial information identifies a group within the repository and an influencer based on an inferred relationship and degree influence. In this way, the invention provides a means of delivering to the influencer for diffusion throughout a group of individuals. The system subsequent tracks the duration of convergence, initial divergence, and complete divergence. This data is then utilized to determine influencer and indirect delivery effectiveness.

Abstract: Targeted electronic advertisements are delivered to a website user/customer by implementing anonymous cookies that serve to identify a customer's overall spending trends and/or preferences. In response to a financial institution customer authenticating themselves at a financial institution website or the like, an anonymous cookie is generated and stored in the customer's web browser cache that includes a unique identifier associated with the customer and the spending trends data associated with the customer's spending trends. In response to the customer using the device to access a website that displays advertisements, the anonymous cookie is retrieved, the unique code prompts a call-back to the financial institution for retrieval and communication of the spending trend data and the data is used to determine which of the plurality of advertisements are to be to displayed to the customer while they visit the website.

Abstract: Targeted electronic advertisements are delivered to a website user/customer by implementing anonymous cookies that serve to identify a customer's overall spending trends and/or preferences. In response to a financial institution customer authenticating themselves at a financial institution website or the like, an anonymous cookie is generated and stored in the customer's web browser cache that includes a unique identifier associated with the customer and the spending trends data associated with the customer's spending trends. In response to the customer using the device to access a website that displays advertisements, the anonymous cookie is retrieved, the unique code prompts a call-back to the financial institution for retrieval and communication of the spending trend data and the data is used to determine which of the plurality of advertisements are to be to displayed to the customer while they visit the website.

Abstract: The tool to provide anonymous data in response to a request for information is configured to receiving a request for information relating to a population of interest from a user; determining criteria associated with the population of interest, wherein the criteria define an individual representative of the population of interest; determining a characteristic of the individual within one or more categories; classifying the characteristic of the individual into a cluster, the cluster comprising a subset of all possible outcomes for the category; classifying a plurality of individuals from a database into clusters based on the one or more categories; determining a subset of the plurality of individuals that are similar to the individual representative of the population of interest based on the clusters; transforming the characteristics of the individuals in the subset to generate anonymous data responsive to the request for information; and providing the anonymous data to the user.

Abstract: Anonymously providing purchasing analytics associated with customer to a website while the customer is accessing the website. Specifically, a financial institution, having access to a customer's transactional data, can analyze the data to determine analytical purchasing data. Once the customer authenticates themselves at a financial institution website, a networked application or the like, an anonymous cookie that is configured to identify the analytical purchasing data is generated and stored in the web browser cache. In response to the customer using the device to access a website that displays advertisements, the anonymous cookie is retrieved from the web browser cache and the analytical purchasing data is provided to the website. In specific embodiments of the invention, the website uses the analytical purchasing data of the customer to determine which of the plurality of advertisements are to be displayed to the customer while they visit the website.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for a distributive network system with specialized data feeds associated with the distributive network for identifying total spend item level affinity for a customer and utilizing the data to provide target advertisement, providing stocking and supplying options for a merchant, and alternatively, for tracking merchant brand association impact. In this way, embodiments of the present invention identify and utilize total spend data for a customer, which includes the products and services a customer purchases within a time period. The invention identifies the customer transactions and subsequently can identify item level data and merchant level data for the transactions within the time period. From this data the system analyzes the total spend to identify loyalty based on merchant, product, or product category. This loyalty information is compiled across multiple customers and compiled for merchant feedback.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for advertisement presentment based on customer transactions at a brick and mortar merchant location. The invention compiles transaction data across a financial institution for transactions with a merchant. The system generalizes the transaction data across the financial institution based on category of product or merchant associated with the transaction. Subsequently, the generalized data may be presented to an advertiser for correlating recent brick and mortar purchases of a customer to advertisements to present to a customer online or offline in the future. Furthermore, the transaction data may include data identifying the specific products purchased by the customer. In this way, the specific product data may match to advertisements previously viewed or presented to a customer.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing advertisements to recommenders for network diffusion to a cluster or group of individuals associated with the recommender. In this way, advertisement effectiveness may be identified by presented to a single customer or recommender, and that recommender diffusion the advertisement data across his/her cluster of friends. In this way, the invention provides a means of delivering advertisements to appropriate recommenders for diffusion throughout a group of individuals. A network and recommender may be identified based on diffusion using transaction history, coincident mapping, and/or social network information. In this way, it is appreciated that there may be a greater advertisement value to present the advertisement to the recommender then allowing the advertisement to diffuse through the cluster.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing feedback and validation of advertising and marketing campaigns. The invention receives advertisement impressions by customers, thus detecting advertisements that the customer has viewed. Furthermore, the invention retrieves transactional data associated with transactions made by the customer. The invention then correlates or matches the advertisement impressions and transactional data to determine products, services, or merchant transactions that were associated with advertisements viewed by the customer. The invention identifies a time frame between the advertisement impression and the transaction and generates data associated with the successfulness of advertising and marketing campaigns.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing feedback and validation of advertising and marketing campaigns and the influence of those advertisements relative to time of the advertisement and payment type demographics. The invention receives advertisement impressions by customers, thus detecting advertisements that the customer has viewed. Furthermore, the invention retrieves transactional data associated with transactions made by the customer. The invention then correlates or matches the advertisement impressions and transactional data to determine if products, services, or merchant transactions that were associated with advertisements viewed by the customer. Furthermore, the invention identifies a payment type used for the transaction. The invention also correlates specific times/dates of advertisements to the transaction.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for initiating presentation of a rebate associated with a transaction. An exemplary apparatus is configured to: determine a user executed a first transaction qualifying for a first offer; determine a first rebate associated with the first transaction; apply the first rebate to the user's account; initiate presentation of the first rebate on a user interface; determine the user executed a second transaction qualifying for a second offer; determine a second rebate associated with the second transaction, wherein the second rebate is not applied to the user's account; and initiate presentation of the second rebate on the user interface.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for enabling a user to determine whether a transaction qualifies for an offer. An exemplary apparatus is configured to: receive information associated with a transaction; receive information associated with an offer, the offer enabling a user to receive a discount or rebate on a qualifying transaction; and initiate presentation of an indicator indicating whether the transaction qualifies for the offer.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for targeting offers to customers. Specifically, data relating to customers is gathered in order to generate a comprehensive customer data archive. The customer data archive may include transactional data and non-transactional data. Non-transactional data may include, for example, social media interactions, received input from a financial advisor, received input from the customer, customer-specific data such as age, family status, gender, etc.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for implementing rule-based offer association, queuing input information for performing rule-based offer association, and implementing an intelligent offer tool for determining whether to present an offer to a user. The invention enables an entity to send targeted offers to a user that enables the user to receive at least one of a discount or a rebate on a purchase from a merchant.

Abstract: Systems, methods, and computer program products are provided for secure authentication of third-parties accessing a network system (e.g., a website or the like) through an intermediary entity (i.e., a trusted caller). A session token having a predetermined time-out period (i.e., an expiration time) is implemented in conjunction with a rotating key that is generated for each request and response pair associated with each call/interaction between the third-party entity and the network system. In this regard, the third-party entity must authenticate themselves each time they interact (i.e., call-in) into the network system by presenting the assigned session token and rotating key communicated in response to the previous interaction. As such hijacking of the third-party's network session with the network system is prevented by implementing tokens that expire, in unison with, encrypted rotating keys that are valid only until the next third-party call-in/interaction with the network entity.