Abstract: Disclosed herein are aspects associated with contextual, or related, media enrichment presentation item of a media object served via the internet. A request to annotate a media object in connection with the media object's presentation is received, and a media object identifier and a profile identifier are obtained. The media object's information is retrieved using the media object identifier, and a profile is retrieved using the profile identifier. A response including one or more references to one or more media enrichment presentation items is transmitted, each reference to a media enrichment presentation item comprising information for use in retrieving the media enrichment presentation item for presentation in connection with presentation of the media object.

Abstract: A seed cluster comprising a group of users who share a particular attribute and/or affiliation is determined by a social networking system. For each user of the seed cluster, other users and/or entities connected to the user in the social networking system are retrieved. For each retrieved other user or entity, the social networking system may determine whether the other user or entity exhibits the attribute or affiliation based on a random walk algorithm. A resulting targeting cluster of users and/or entities may be used for targeting advertisements targeting to members. A social networking system may also infer an affiliation for a user based on the user's interaction with a page, application, or entity where other users who interacted with the same page, application, or entity have the same affiliation.

Abstract: A seed cluster comprising a group of users who share a particular attribute and/or affiliation is determined by a social networking system. For each user of the seed cluster, other users and/or entities connected to the user in the social networking system are retrieved. For each retrieved other user or entity, the social networking system may determine whether the other user or entity exhibits the attribute or affiliation based on a random walk algorithm. A resulting targeting cluster of users and/or entities may be used for targeting advertisements targeting to members. A social networking system may also infer an affiliation for a user based on the user's interaction with a page, application, or entity where other users who interacted with the same page, application, or entity have the same affiliation.

Abstract: Method and system for advertisement coordination through online bidding are provided. In one example, a first bid request is received regarding a first advertisement opportunity. A first advertisement is determined for the first advertisement opportunity. A first online bid associated with the first advertisement is generated based on the first bid request. The first online bid is transmitted as a response to the first bid request. A second bid request is received regarding a second advertisement opportunity. The first and second advertisement opportunities are related to an online service. The user's behavior is obtained with respect to the first advertisement. A second advertisement is determined for the second advertisement opportunity based on the user's behavior with respect to the first advertisement. A second online bid associated with the second advertisement is generated. The second online bid is transmitted as a response to the second bid request.

Abstract: A system or method is provided to detect and check-in a user at a merchant's store. The system may retrieve the user's preferences and may customize advertisements and/or promotions based on the user's preferences. The customized advertisements may then be presented or displayed to the user as the user browses or shops in the merchant's store. In particular, the customized advertisements may be selected or generated based on the user's transaction history, browsing history, purchase history, pre-defined preferences, and the like. In an embodiment, the system may detect and check-in multiple users at a merchant's location. The system may select or generate advertisements based on multiple users who are visiting the merchant.

Abstract: A method, a device, and a non-transitory storage medium that receives a selection from a user, via a graphical user interface, of any module from a set of modules that each provides an environment to create a content promotion pertaining to content, wherein the set of modules includes a custom module, a feed module, an operations module, a my-list module, and a system module; present a set of parameters to the user based on the selection of any of the set of modules; receive a parameter value, from the user, for each parameter of the set of parameters pertaining to a selected module of the set of modules; generate the content promotion based on the set of parameters and their corresponding parameter values; and present another graphical user interface that includes the content promotion as would be presented to a customer.

Abstract: Systems, methods and computer readable products are provided for enabling dynamic loading of one or more digital image branding functions associated with one or more distribution rules. A distribution rule is used to target a group of end users that are selected from a dataset mapping a plurality of end-users according to one or more distribution rules. Instructions are forwarded to present an indication the digital image branding function to each member of the end users group.

Abstract: Systems, methods, and apparatus, including computer program products, for configuring online properties, such as content pages of a website, through an online user interface. A system generates the online user interface and receives, over a network and through the online user interface presented by a client device, a request to insert a restricted third party file into a user's online property. The online user interface is updated to inform the user that inclusion of the third party file in the user's online property is restricted and to provide the user with options for satisfying requirements for including the third party file in the user's online property. In response to detecting a user selection of at least one of the options, the restricted third party file is received from a content repository, and is inserted into the user's online property.

Abstract: Techniques are provided that include obtaining a Document Object Model of an HTML document, such as a web page of a publisher. Elements of the Document Object Model may be identified that are associated with native advertisement placement candidate containers. Based at least in part on analysis associated with the Document Object Model, and utilizing at least some of the identified elements, one or more native advertisement placement candidate containers may be determined. Some techniques may utilize, in the analysis, construction and utilization of a suffix tree of a string of tags comprising all tags in the Document Object Model. Some techniques may utilize, in the analysis, a node flattening technique in connection with the Document Object Model.

Abstract: A system and method for funding the creation of audio tracks, comprising: provisioning of a expandable set to store prerecorded audio data in multiple tracks, request for funding indicator in the set, enabling a registered user to create the request for funding indicator providing the information about the expected funding amount in a permitted currency and a timeframe to reach this amount, allowing the requesting user to optionally provide a draft or sample of the track, allowing the requesting user optionally to add hypertext information as a description of the track to be funded, enabling the funding user to download or stream an arbitrary combination of tracks of the set including the sample of the track to be funded, enabling the funding user to provide an arbitrary amount of money in a given currency, a presentation of the remaining time and the remaining amount to reach the funding goal, the billing of the funding user and the refund in case the funding goal is not reached, the payment of the requestin

Abstract: Methods and systems for electronic document authentication are disclosed. In one aspect, a method of generating an electronic postmark includes receiving, via a server, a request message from an electronic network, the request message comprising request data including payload data and meta data, generating a timestamp in response to receiving the message, hashing the payload data to generate a payload hash, digitally signing the metadata, the payload hash, and the timestamp to generate a digital signature, generating a response message, the response message generated to comprise the metadata, the payload hash, the timestamp, and the digital signature; and transmitting the response message onto the electronic network.

Abstract: A system and method for generating an electronic catalog for online computer users is disclosed. The system and method in an example embodiment includes providing access to a data store of images; enabling selection of a plurality of images from at least some of the images provided in the data store; enabling association of each the plurality of selected images with a respective page in a computer-generated electronic catalog; recording an identifier of each of the respective computer-generated electronic catalog pages; and recording information associating each of the plurality of selected images with the identifier of each of the respective computer-generated electronic catalog pages.

Abstract: A system and method for estimating a number of bags used in a purchase is disclosed. A method can comprise receiving a transmission indicating an intention by a consumer to purchase an item. Information about the item is retrieved from a database. The information about the item is associated with the consumer in a transaction. The number of bags used for the transaction is estimated. The estimation can be created using the weight and volume of a transaction. The estimation can also take into consideration the fragility, crushability, temperature-sensitivity, or cross-contamination possibility of the item. The estimated number of bags is forwarded to a mobile device. The estimated number of bags is used to determine the likelihood of unpurchased items being taken by the consumer. Other embodiments are also disclosed herein.

Abstract: A system and method for forecasting sales is presented. A transmission by a customer is received indicating an intention for a customer to purchase an item from a retailer via a mobile device. An embodiment determines if the item is subject to an age-restriction. This can be accomplished by using location data of a retailer. Biometric data is received from the customer intending to purchase the item. The biometric data is compared to verified biometric data to confirm the identity of the customer. The age of the customer is determined. Thereafter, the transaction is allowed to proceed if the age of the customer satisfies the age-restriction for the item. Other embodiments are also disclosed herein.

Abstract: Techniques to link contracts to deliverable items are described. A contract service to collect and associate electronic signatures with contracts is implemented in an online retail environment for management of sale and delivery of items to consumers. The contract service facilitates real-time, on-line access to contracts between consumers and retailers for deliverable items at the time of delivery. In connection with a purchase transaction, a contract is generated via the contract service that is prepared for electronic signatures and has an associated contract identifier. The contract service obtains an item identifier that is uniquely associated with the deliverable item and links the contract to the item identifier. Then, a web accessible interface is exposed to enable look-up of the contract using the item identifier. At the time of delivery, the web accessible interface is employed to access the contract from the contract service for viewing and signing.

Abstract: Systems and methods disclosed herein for providing information about an obligation of an electronic contract. One embodiment involves receiving, at an electronic contract obligation server, an annotation associated with the electronic contract, the annotation specifying the obligation to be performed by a performing participant of the electronic contract according to a time constraint for the benefit of a benefited participant of the electronic contract, the electronic contract obligation server independent of the performing participant and the benefited participant. The embodiment further involves identifying, by the electronic contract obligation service, the information about the obligation based on the annotation associated with the electronic contract. The embodiment further involves providing, by the electronic contract obligation service, the information about the obligation to the performing participant or the benefited participant.

Abstract: Middleware can maximize referral fees paid by merchants to affiliates by applying a process. The process ranks merchants according to their referral schedules and conversion rates. Next, when the referrer identifies a lead for the merchants, the referrer checks if the lead is not an existing subscriber of a top-ranked merchant before referring the lead to the merchant. And, if the lead is a subscriber, then the referrer can check to see if the lead is a subscriber to a second-ranked merchant, then refer the lead to the second-ranked merchant if the subscriber is not already a member. The process can be applied particularly well to only referral based businesses such as online dating sites.

Abstract: A system and method for assisting user fulfillment by using a product input device is disclosed. The system includes a product input device that enables a user to input data and send the data to a server wirelessly. The server processes the received data in order to identify a product associated with the received data and provides a list to the user. The user's computing device is configured to receive the list and provide the list on a display of the computing device so that the user may interact with the list for fulfilling user needs.

Abstract: Disclosed herein are certain embodiments of systems and methods for inventory management of digital gift cards purchased from a variety of merchants, stored on a server database and resold indirectly to customers. A server would obtain an economic order quantity of gift cards from assorted merchants to generate a digital inventory. These codes may remain entirely private between the server and the merchant from which they were bought. The server would additionally sell merchant credits to customers using a web application. The digital inventory would be used to fulfill sales of merchant credit to customers.

Abstract: Various embodiments herein each include at least one of systems, methods, software, and data flows for customized order processing. One example embodiment includes receiving data representative of an ordered item and retrieving data representative of components of the ordered item based on the received data representative of the ordered item. This embodiment further includes assembling at least one aggregate dataset of the retrieved data representative of the components, at least one aggregate dataset being a dataset providing a representation of the ordered item when rendered. Each of the at least one aggregate datasets may then be rendered. The rendering may include rendering a label or a wrapper for the ordered item. The rendering may also or alternatively include publishing the rendered data to one or both of a customer loyalty and social media account.

Abstract: The invention generally relates to systems and methods for providing product information. The present invention implements a system for defining product variations and assigning references to them at the point of sale or delivery. The present invention is unique in allowing a seller to assign or modify a reference associated with such a bar code or similar device at the point of sale or delivery, thereby changing the information delivered to the buyer based on details about the specific unit sold, the circumstances of the transaction, or the identity of the buyer.

Abstract: A search system receives an image search query from a user and retrieves image search results. For each image search result, the search system identifies a product based on metadata associated with the image search result. For each image search result, the search system associates an offer for the product corresponding to the image search result. For each image search result, the search system identifies a purchase link for the product associated with the offer associated with each image search result and generates a purchase icon within the image search result comprising the purchase link. The search system presents the image search results comprising the purchase icons to the user. The user selects a purchase icon of an image search result and the user computing device web browser is redirected to a website where the user may purchase the product corresponding to the purchase link.

Abstract: The invention generally relates to systems and methods for providing product information. The present invention implements a system for defining product variations and assigning references to them at the point of sale or delivery. The present invention is unique in allowing a seller to assign or modify a reference associated with such a bar code or similar device at the point of sale or delivery, thereby changing the information delivered to the buyer based on details about the specific unit sold, the circumstances of the transaction, or the identity of the buyer.

Abstract: A system and method for classifying food products is disclosed, as well as to an associated processor-readable storage medium. Selected attributes defining sensory properties of a food product is received. The food products may be a beverages for example, such as wines. Each selected attribute is then correlated to a value. The values of the attributes are transformed into a digest code. The digest code is a condensed and unique representation of the unique combination of said selected attributes defining the sensory properties and is stored in association with the food product.

Abstract: A method and system for generating a real-time personalized price adjustment are provided. The method includes receiving by an e-commerce server a message that at least one product is added to an electronic shopping cart of an electronic-commerce website (e-commerce) displayed on a consumer device; collecting by the e-commerce server at least one user-activity parameter related to a user of the consumer device; collecting at least one product-related parameter to the at least one product; generating in real-time a price adjustment for purchasing the at least one product, wherein the price adjustment is generated based on the at least one user-activity parameter and the at least one product-related parameter; and displaying of the price adjustment in the electronic shopping cart in association with the at least product type.

Abstract: Various embodiments include a method. The method can comprise receiving form a user a request to stock an item at a store at a location. In many embodiments, the method can include updating a product wish list for the store by at least one of adding the item to the product wish list for the store at the location, or increasing a count for the item on the product wish list for the store at the location, if the item is already on the product wish list. The method can further comprise ordering the item and offering the item for sale at the store at the location. Other embodiments of related methods and systems are also provided.

Abstract: A product delivery configuration portal includes a processor and a data store coupled to the processor. A user interface component is configured to generate a user interface providing order information relative to a sales order. The user interface has at least one flexibility selector that allows a variation of a parameter that affects product delivery. The user interface surfaces at least one delivery modification suggestion based on the sales order and a selection of the at least one flexibility selector. The user interface includes a user interface element that, when actuated, persists a delivery modification to the data store.

Abstract: A server device is configured to distribute a notification regarding an item listing. The server device includes a controller having a memory and a processor, the controller of the server device configured to receive from a first user device item listing information associated with an item and listing distribution information, generate a dynamic item listing based upon the received item listing information, and forward an item listing notification associated with the dynamic item listing to a second user device identified by the listing distribution information.

Abstract: A system and method that enable online consumers to create unique user-generated content based on photographs of sought after items, such as retail merchandise. Targeted items may include a myriad of products, including art, furniture, paint, real estate, home decor, medical supplies, healthcare, jewelry, automobiles, etc. Images which include clothing may be processed so that a user may select items to create a compilation image of a virtual outfit superimposed over the user's image. A virtual outfit may include multiple items, such as various garments and accessories, and may be modified by adding, removing and layering items. Multiple compilations may be saved and compared in order to assist in the purchase decision making process. Compilations may be shared online in order to implement a virtual shopping experience and obtain feedback and critiques. Analytics may be utilized to forecast fashion trends based on consumer input concerning the pairing of products.

Abstract: Systems and methods herein are directed to a holographic interactive retail system. In particular, various embodiments are described where a holographic image (e.g., Pepper's Ghost Illusion) is used in a retail setting (e.g., storefront window), which, when combined with gesture control, allows people to walk up to the system and search for and buy products. For example, the customers can interact with a holographic sales clerk, and can select holographic products via gesture control. A final purchase can be made through the customer's mobile device or through a self-service kiosk, shipping the product to their house.

Abstract: The invention provides a method for information exchange in the process of electrical appliance lease. Appliances available for lease are registered in a cloud environment where each appliance is associated with the following information: type (what kind of appliance it is), owner (who is the lessor), holder (who is the current holder), status (is the appliance available for lease), condition (current condition of the appliance), price (lease price of the appliance), rating (rating of appliance) and location (GPS data). Users interact with each other through a server which operates the system. The server receives and executes user action requests, transfers information between users and measures lease time and total price. The server is coupled to a database used for storing data for appliances, users and lease contacts. The processed data is shared in a cloud storage, accessible to the users.

Abstract: A rental system includes a first acquirer that acquires first identification information, which is identification information of a user, from a storage device in which the first identification information is stored; a second acquirer that acquires second identification information, which is identification information of a first battery pack, which is a battery pack for rent, from a storage provided in the first battery pack; control circuitry that associates the first identification information acquired by the first acquirer and the second identification information acquired by the second acquirer with each other when the first battery pack is rented to the user; and a storage in which the first identification information and the second identification information are stored in association with each other.

Abstract: A system, method, and computer-readable storage medium configured to determine the line of business for a corporate payment account.

Abstract: Ways to easily calculate tips related to a shift or day of service are disclosed. Receipts with several signature locations with each location corresponding to a different amount of a tip may be used to allow a customer to easily indicate how much of a tip is being left. The receipts may be presented on paper or on a device. If the receipts are on paper, they may be scanned. An application on a user device or a server may determine which location was signed, and tip amounts may be calculated and tallied automatically.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms and providing financial decision simulations. An exemplary apparatus may be configured to provide access to a financial management dashboard that interfaces with an online banking platform to access a customer's financial information to present a holistic financial view of the customer that comprises one or more financial parameters associated with the customers current finances. The financial management application dashboard may comprise at least one adjustment device for altering the one or more financial parameters associated with the customers finances such that a simulation algorithm is executed in response to the customer adjusting the at least one financial parameter. The system may then present an updated holistic financial view of the customer's future finances.

Abstract: Generating an electronic data model of a logical supply chain and regenerating the model based on changes to modelling parameters, to guide decision making. The data model is generated using known information about the supply chain. One or more decision scenarios are modelled based on a simulated loan request, and the data model is regenerated to consider the consequences. A recommendation is made based on pre-defined or user-defined criteria.

Abstract: A system or method is provided to allow users to share or donate a portion of their credit line to others. In particular, the system may provide an interface between credit line donors and recipients and allow a user's friends or family to donate portions of their credit lines to the user. With the system serving as an intermediary between the borrowers and the lenders, the credit line donation arrangement may be hidden from the lenders. The system may manage the distribution of the credit line from the five donor friends to the beneficiary friend. Further, the system may manage the payoff or pay back of the credit lines from the beneficiary friend back to the lenders. In particular, based on the donation arrangement, the system may receive the payoff amount from the beneficiary user and distribute the payoff back to the lenders.

Abstract: The invention provides a method for lending/borrowing in a web-based payment system with a multitude of currencies, where a public currency serves as a universally accepted medium of exchange, while private currencies, issued by commercial entities—represent obligations of the issuers to provide certain amounts of goods and services. When a potential commercial borrower wants to receive a loan, the centralized authority (the lender) issues, against collateral, a certain amount of new, public, universally accepted currency units into the borrower's account. The borrower issues to the centralized authority an equivalent amount of his private units plus the agreed upon units of interest, which units mature (get activated) gradually over time, at each loan repayment due date. Upon maturity a unit of the matured private, commercial currency can be redeemed by the lender for goods and services of the borrower, or just released into circulation within the money system.

Abstract: This disclosure relates generally to computation of credit scores, and more particularly to methods and devices for computing optimized credit scores. A computer implemented method for computing optimized credit scores comprises transmitting a data retrieval request to a data source for retrieving profile data associated with a plurality of individuals. Availability of social media data for each individual is ascertained based on corresponding profile data. Each of the plurality of individuals is classified into a first set and second set based on the availability of the social media data associated with the individual. A social media score for each individual present in the first set is determined. A social media score for each individual present in the second set is determined based on social media scores of the first set. A credit score for each individual is determined based on corresponding social media score of the individual.

Abstract: A method of verifying information for underwriting, comprising: receiving initial information relating to an applicant of a loan and login details of a third party platform account of the applicant; accessing the third party platform account via a network using the login details; retrieving additional information from the third party platform account; comparing the initial information to the additional information; and calculating a risk coefficient of the loan based on the comparison.

Abstract: One embodiment of the system described herein provides an interface for operation at a remote computing device and receive a list of consumers and vehicles for prequalification and equity determinations. The system further receives one or more criteria, obtains credit history records for at least one consumer on the first list, and compares at least obtained credit history record with the received one or more criteria. The system further identifies which consumers of the first list exceed the one or more criteria, obtains vehicle history records for at least one vehicle on the first list, and calculates vehicle equity values for the at least one vehicle on the first list. The system further generates generate a second list of consumers that are prequalified and vehicle equity values for conveyance via the interface.

Abstract: Method and system for managing online bidding are provided. A bid request is received via the communication platform. The bid request is analyzed to obtain information associated with the request. Whether to participate in online bidding is determined based on a bid control model in accordance with the information associated with the request. The bid control model is generated based on historical data associated with one or more previous online bidding events. An online bid is generated if it is determined to participate in the online bidding. The online bid is transmitted as a response to the bid request.

Abstract: A risk management system may include a client-side optical device, a market-side optical device associated with a marketplace exchange, and a risk processing device in communication with the client-side optical device and the market-side optical device. The risk processing device may include a first media access controller, a second media access controller, and a risk processing unit in communication with the first media access controller and the second media access controller. The client-side optical device may be configured to receive a securities order from a client electronic device, generate a copy of the received securities order, route the securities order to the market-side optical device, and route the copy to the risk processing device. The risk processing device may be configured to determine whether the securities order violates one or more rules, and in response to determining that the securities order violates one or more rules, perform remedial actions.

Abstract: An automated trading engine may include one or more market data adaptors configured to convert market data into an intermediate format, and a formula calculation engine in communication with the market data adaptors that is configured to perform one or more calculations using at least a portion of the intermediate format market data, and generate one or more calculation results. An engine may include a condition comparison module that is configured to compare one or more of the received calculation results to one or more values stored within a field programmable gate array chip to generate one or more comparison result values, and an instruction table. An engine may be configured to use one or more of the comparison result values to identify one or more instruction sets and actions from the instruction table, and generate one or more securities orders based on the identified instruction sets and actions.

Abstract: A local trading system captures remote fee data published by at least one remote trading system. The remote fee data is indicative of fees, rebates, or a combination of such applied to orders made by trading entities for execution of trades of the financial security at the remote trading system. The local trading system executes trades for the financial security and calculates fees, rebates, or combination of such for the executed trades based on the remote fee data. The calculated fees, rebates, or combination of such based on the remote fee data are applied to the executed trades made by the local trading system. The local trading system can thus match fees and rebates offered by one or more remote trading systems.

Abstract: Disclosed is a system and method for processing code orders that specify orders to be processed on an electronic trading venue (ETV) based on computer code referenced by or included with the code orders. Market participants may define, associate and submit executable code with each order message they send to the ETV. Upon receipt of a code order, and before that message itself is processed by the ETV against the instrument's limit order book, the ETV may evaluate all of the code associated with active code orders in that limit order book and process any resulting orders. Responsive to the completion of this evaluation, the ETV may update the state of the limit order book to reflect the new prices and quantities of them. Responsive to the completion of the update, the ETV may process the new message, which triggered evaluation of the code orders against the limit order book.

Abstract: This invention relates to a system and a method for securely managing community reserves. The system includes a software (Sengsoo) tailored for the rapid and efficient management and processing of community reserves. The system may provide the much needed oversight and stability to the community reserve process. The system may be used to vigorously assess, evaluate and verify that all information received by participants is accurate and legitimate. The system may make the community reserve process completely automated. The system may deliver accurate as well as punctual community reserves disbursements. The system may provide the opportunity for participants new to a community reserve to choose their desired disbursement date. The system may be used to secure existing community reserves and establish new reserves. The system may offer variations in disbursement cycles.

Abstract: Embodiments of the invention provide for systems, computer program products, and methods for a financial wellness application that provides an overview of the financial well-being of users. The financial wellness of the users may be determined by identifying personal characteristics of the users regarding background information about the users and the users' households. Based on a user's personal characteristics, financial wellness questions are determined from a plurality of financial wellness questions to present to the user for which the user provides financial wellness input. The financial wellness input is transformed into a financial situation assessment, day-to-day management assessment, and preparation for the future assessment, which are transformed into an overall wellness score. Moreover, the financial wellness input may also be compared against financial wellness thresholds.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms and providing electronic financial management. An exemplary apparatus may be configured to provide a financial management application that interfaces with an online banking platform to access a customer's financial information to receive a request to process a simulated investment, where the request specifies a virtual investment amount and one or more financial products. In response to receiving the request to process a simulated investment, the system may execute a simulation algorithm that calculates the effect of virtual investment amount on the one or more financial products and display the calculated effect of depositing the virtual investment amount into the one or more financial products.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms. An exemplary apparatus may be configured to provide a financial management application, whereby the financial management application interfaces with an online banking platform to access a customer's financial information for use in streamlining the customer's finances and money management strategies; receive social network financial information, the social network financial information comprising financial information associated with other customers; compare the customer's financial information to the social network financial information; present a comparison of the customer's financial information to the social network financial information.