Abstract: Certain exemplary embodiments can provide a method comprising automatically rendering a message to a webpage user, the message created by a webpage operator via an automatic merger of a customized message content that corresponds to a message-generator-selected message identifier with a message template that corresponds to a message-generator-selected message template identifier, the message-generator-selected message identifier and the message-generator-selected message template identifier provided by the message generator to the webpage operator responsive to receipt of data gathered from the webpage user by the webpage operator.

Abstract: Certain exemplary embodiments can provide a method comprising automatically rendering a message to a webpage user, the message created by a webpage operator via an automatic merger of a customized message content that corresponds to a message-generator-selected message identifier with a message template that corresponds to a message-generator-selected message template identifier, the message-generator-selected message identifier and the message-generator-selected message template identifier provided by the message generator to the webpage operator responsive to receipt of data gathered from the webpage user by the webpage operator.

Abstract: Certain exemplary embodiments can provide a method comprising automatically rendering a message to a webpage user, the message created by a webpage operator via an automatic merger of a customized message content that corresponds to a message-generator-selected message identifier with a message template that corresponds to a message-generator-selected message template identifier, the message-generator-selected message identifier and the message-generator-selected message template identifier provided by the message generator to the webpage operator responsive to receipt of data gathered from the webpage user by the webpage operator.

Abstract: Systems, methods and computer program products for providing a user with a real-time ancillary offer(s) that maximize profits for merchants by increasing the likelihood of ancillary sales. Ancillary revenue sales include revenue generated from goods or services that differ from or enhance the main product or service lines of a company. An embodiment includes a ancillary revenue maximization engine and a recommendation engine. The user is provided with an ancillary offer generated by the ancillary revenue maximization engine, immediately before a merchant processes a sale with a user. In another exemplary embodiment, the user is provided with an ancillary offer generated by the ancillary revenue maximization engine after a merchant processes a sale with a user. An ancillary offer refers to an offer made to a customer by a merchant to sell an ancillary product or service. The ancillary revenue maximization engine may generate such an ancillary offer based on input received from a recommendation engine.