Abstract: One example computer-implemented collaborative NFT method involves receiving and digitally storing a set of files, each file comprising digital content; programmatically associating the set of files with a corresponding unique project identifier; receiving digital input specifying a final digital composition comprising information from the set of files; digitally storing the final digital composition as a digital object in a database; receiving digital input specifying an allocation of authorship shares representing a distribution of ownership rights in the digital object; minting, on a blockchain, an NFT comprising a reference to the digital object; creating, on the blockchain, a smart contract specifying a fractional ownership of the digital object, the smart contract comprising a pointer to a metadata file associated with the NFT, the metadata file comprising one or more links to one or more corresponding digital assets associated with the NFT, each digital asset comprising a representation of the NFT.

Abstract: A method and system for receiving digital artifacts from a management server. The method includes sending a request for a digital artifact from a mobile application to the management server for display within a specific mobile application generated screen, receiving the digital artifact from the management server, and displaying the digital artifact with the specific mobile application generated screen.

Abstract: A system for and method of utilizing the low energy transmitter of a user device to communicate with a point-of-sale terminal in order to permit a consumer to conduct a purchase or other transaction with little or no interaction with the user device are disclosed. The system and method may also permit a purchase card processor to request additional levels of validation or authorization from the consumer in cases where the risk level of a transaction is high.

Abstract: A payment system is described. The payment system includes a transaction system. The transaction system is configured to receive, from a merchant system, a request for a code to complete a sales transaction between the merchant system and a payment application installed on a client system, the request including information about the sales transaction. The payment system is also configured to, in response to the request for the code to complete the sales transaction, generate the code based on the information about the sales transaction. Further, the transaction system is configured to transmit the code to the merchant system. The merchant system is configured to provide the code to the client system.

Abstract: Methods and systems of managing payment cards are disclosed. A financial institution computing system includes a token database storing a plurality of tokens and token information, a network interface circuit enabling the financial institution computing system to exchange information over a network; and a token management circuit. The token management circuit enables a graphical user interface on a customer device over the network that can be used to generate new token requests, re-provision token requests, and management requests. The management requests enable and disable tokens, such that transactions against a payment card account using an enabled token are completed, and transactions against the payment card account using a disabled token are denied.

Abstract: Disclosed herein are systems and methods that integrate distributed ledger (or blockchain) capabilities in a highly distributed computing environment, such as mobile, Internet of Things (IoT). A platform allows for such integration, supporting blockchain-enabled transactions between IoT and mobile devices. Particularly, the platform is a Distributed Ledger System for e-Transactions (DLSeT). The DLSeT platform includes various blockchain features, such as computing, distributed ledgers (storage), cryptocurrency, and cryptography (homomorphic encryption). Furthermore, the DLSeT platform utilizes a Lattice Face Secret Key Infrastructure (LFSKI) feature that is distinct to the platform. By employing LFSKI, the DLSeT platform realizes advantages over blockchain platforms using n public key infrastructure (PKI), being able to execute secure, efficient, and decentralized e-transactions.

Abstract: Systems and methods for blockchain wallet recovery, including: receiving a wallet recovery request from a user; sending a signed recovery transaction to the wallet, the signed recovery transaction comprising recovery instructions; and providing wallet access to the user, according to the recovery instructions, when a recovery condition is met. In examples, the recovery transaction is signed by a recovery key, different from a set of old wallet owner keys, that is associated with the wallet; the recovery instructions include new owner address(es) associated with a set of new owner keys; and providing wallet access includes activating the new owner addresses for the wallet after the recovery transaction is verified as signed by the recovery key.

Abstract: Aspects of the disclosure relate to a system that provides enhanced security of information transmitted by connected devices. The system may be used to request resources from members of a donee's virtual group. Donated funds or line of credit may be loaded to the donee's digital wallet with no link to any of the donee's personal accounts. The request for resources may utilize secure correspondence between the donee and the prospective donors. The secure correspondence may be locked and prevented from being forwarded or captured via a screenshot to ensure confidentiality. If an attempt is made to forward or copy the secure correspondence, the secure correspondence may be deleted. Donated funds/line of credit may be allocated for specific use, and may not be owned by the donee until used.

Abstract: An improved decentralized, blockchain-driven network for artificial intelligence (AI)-enabled skills exchange between Intelligent Personal Assistants (IPAs) in a network is disclosed that is configured to perform computational tasks or services (also referred to herein as “skills”) in an optimally-efficient fashion. In some embodiments, this may comprise a first IPA paying an agreed cost to a second IPA to perform a particular skill in a more optimally-efficient fashion. In some embodiments, a skills registry is published, comprising benchmark analyses and costs for the skills offered by the various nodes on the skills exchange network. In other embodiments, a transaction ledger is maintained that provides a record of all transactions performed across the network in a tamper-proof and auditable fashion, e.g., via the use of blockchain technology. Over time, the AI-enabled nodes in the system may learn to scale, replicate, and transact with each other in an optimized—and fully autonomous—fashion.

Abstract: A computer system for provisioning a data transfer method is disclosed, comprising a processor, and a communications module and a memory coupled to the processor. The memory stores instructions that, when executed by the processor, cause the computer system to: receive a provisioning request for a data transfer method; send, to a server associated with the data transfer method, a request, based on the provisioning request, for assignment of a data transfer identifier; receive, from the server, the data transfer identifier responsive to the request for assignment of the data transfer identifier; obtain a data transfer token corresponding to the data transfer identifier by: sending, to a token service provider, a request for the token comprising the data transfer identifier; receiving, from the token service provider, a data transfer token in response to the request for the token; and, send a reply to the provisioning request comprising the token.

Abstract: Technologies are shown for tracking transfer of an item on an item tracking data blockchain, where transfers of the item and the holder of the item are recorded in item tracking data blocks of the blockchain. In some examples, a verification of the item is performed for a transfer and recorded in the data block for the transfer. In other examples, the blockchain stores a unique code for the ticket. Transfers of the ticket are recorded in the blockchain. When the ticket is presented for use, a holder identifier and a presented ticket code are validated against a holder identifier in the most recent block in the blockchain and the unique code for the ticket stored in the blockchain. In some examples, a portion of a resale price of the ticket is sent to an issuer of the ticket.

Abstract: Systems and techniques are provided for a resource transfer system. An instruction to transfer a first quantity of a resource from a first resource pool to a second resource pool may be received. A hold may be placed on a second quantity of the resource in the first resource pool. The held second quantity of the first resource may not be transferred from the first resource pool until the hold is released. Responsive to receiving a message that fulfills a condition on the hold and an instruction to execute the transfer, the hold may be released. A register that is in the first resource pool and is associated with the resource may decremented by the first quantity, and a register that is in the second resource pool and is associated with the resource may be incremented by the first quantity.

Abstract: A system and method in accordance with exemplary embodiments may include systems and methods for providing fraud management, which may include, receiving account holder data, determining vertical spend patterns associated with merchants to define a merchant risk for each merchant, generating a transactional behavior patter for the account holder, and generating a fraud score and/or action set (e.g., refer/decline/queue for review) based on the transactional behavior pattern and merchant risk. Account holder data may include, for example, an account type, an account balance, account credits and debits, and transaction data including merchant name, location, and transaction details.

Abstract: A system and method are disclosed, to distinguish fraudulent transactions from a legitimate transaction, predicated on the notion that the card is considered likely to be in state of fraud. The disclosed system and method can be activated as soon as an account has suspicious activity that causes a high score for potential fraud, but before a bank either can or needs to confirm fraud. The system or method is able to pinpoint the actual fraudulent transactions inside a window of potential fraudulent activity, using a specialized model referred to as the pinpoint model.

Abstract: A method for identifying a risk pertaining to a transaction to be processed, includes: identifying a risk pertaining to a transaction to be processed via a fast identification layer in a risk control system, thereby obtaining a first identification result; identifying a risk of interference pertaining to the transaction to be processed via a model for identifying transactions susceptible to interference, thereby obtaining a second identification result; and determining a processing manner for the transaction to be processed based on the first identification result and the second identification result, the processing manner including releasing the transaction to be processed, or further identifying the risk pertaining to the transaction to be processed via the in-depth identification layer in the risk control system.

Abstract: In an aspect, a computing system is configured to: send, to a transfer rail server, a request for stored card data associated with a value transfer card; receive stored card data identifying an entity having a stored representation of the value transfer card; provide user interface data to a client device, the user interface data causing the client device to display a user interface that includes an entity listing that is based on the stored card data, the user interface including a selectable option to add an entity-based control to the identified entity; receive, from the client device, an instruction to apply an entity-based control to an identified one of the entities in the stored card data; and in response to receiving the instruction to apply the entity-based control, implement the entity-based control to affect use of the value transfer card by the identified entity and not affect use of the value transfer card by other entities.

Abstract: The Antifraud Resilient Transaction Identifier Datastructure Apparatuses, Methods and Systems (“ARTID”) transforms PIN, unique user identifying device datastructure inputs via ARTID components into secure payment authorization outputs. The ARTID includes a virtual secure element datastructure transaction apparatus, comprising, a memory, a component collection in the memory, and a processor disposed in communication with the memory, and configured to issue a plurality of processing instructions from the component collection stored in the memory. ARTID includes instructions to: obtain request to generate a tamper resistant asset account from a requestor, and instantiate a new tamper resistant asset account, wherein the account is populated with the requestor identifier, unique requestor device identifier, a secure cryptographic element for the tamper resistant account.

Abstract: The present invention provides a method, an apparatus, and a system for transmitting and receiving information by using a QR code. The method can receive a first QR code including second terminal identification information from a second terminal, transmit the second terminal identification information to a server, receive, from the server, encryption information of the second terminal on the basis of the second terminal identification information, generate first terminal encryption information by using encryption information of the second terminal to encrypt encryption information of a first terminal, transmit the first terminal encryption information to the second terminal, receive, from the second terminal, a second QR code that is generated on the basis of the first terminal encryption information and that includes information data, and obtain the information data by using decryption information of the first terminal to decrypt the second QR code.

Abstract: Embodiments of the present invention provide method, system and computer program product for complimentary CRM mobile integration. In an embodiment of the invention, a method for CRM mobile integration includes initially identifying an end user who simultaneously accesses both a CRM application executing in memory of a host computing platform, and also a CRM application agent executing in memory of a mobile computing device that is separate from the host computing platform. The method also includes, thereafter, detecting a request by the end user to access data in the CRM application. Finally, the method includes responding to the detection of the request by selecting an action for the mobile device in a table corresponding to a type of the data in the CRM application, and directing the CRM application in the mobile device to prompt the end user to complete the selected action for the data of the request.

Abstract: A method for personalizing a delivery of services to a first customer including: providing a customer profile; updating the customer profile via performing a first process to collect interaction data, the first process including the steps of: monitoring activity on the communication device and, therefrom, detecting the first interaction with the first contact center; identifying data relating to the first interaction for collecting as the interaction data; and updating the customer profile to include the interaction data identified from the first interaction; generating an interaction predictor, the interaction predictor comprising knowledge about the first customer derived, at least in part, from the data stored within the customer profile, the knowledge comprising a behavioral factor attributable to the first customer given a first type of interaction; and augmenting the customer profile by storing therein the interaction predictor.

Abstract: Systems and methods for UAV safety are provided. An authentication system may be used to confirm UAV and/or user identity and provide secured communications between users and UAVs. The UAVs may operate in accordance with a set of flight regulations. The set of flight regulations may be associated with a geo-fencing device in the vicinity of the UAV.

Abstract: Systems, methods, and storage media for providing information relating to suspicious financial activities to investigative agencies are disclosed. Exemplary implementations may: receive a digital access token from a financial institution; cause an application programming interface to be displayed on a computing device corresponding to the financial institution in response to receipt of the digital access token; receive case information from the financial institution create a case corresponding to the access token and the case information; determine one or more relevant investigative agencies for receiving a report based on the case information; retrieve a data model corresponding to each relevant investigative agency; and file a Suspicious Activity Report based on the case information in each of the one or more relevant jurisdictions in correspondence with the access token.

Abstract: The present invention is a method and system for evaluating relative effectiveness of content in a digital signage network, using a series of measurements to compare and evaluate different contents. The measurements are performed on a plurality of input images of the people captured by a plurality of means for capturing images in the vicinity of at least a digital signage. The present invention is a content rating system based on how the audience responds to the digital content in the intended context of digital media network in-store or in other public viewing areas. The present invention allows the measurement of the response to the content for different segments, further allowing for better planning of the content and optimizing the advertising dollars.

Abstract: Various aspects of the subject technology relate to systems, methods, and machine-readable media for customizing a website. The method includes receiving, from a provider, a message comprising message data, the message data comprising an identifier and parameters relating to a customizable website element of the website. The method also includes identifying, through a consumer, the customizable website element based on at least one of a message type of the message or the identifier of the message data. The method also includes routing, through the consumer, the message to the customizable website element based on at least one of the message type of the message or the identifier of the message data. The method also includes implementing, through the consumer, the parameters to the customizable website element based on the identifier.

Abstract: The invention relates to a system and method for analysing an activity session. Data from a monitoring device worn by a user of the system for example is received over a period of time or distance and a classification system of the invention is utilised in real time or post session to determine the activities performed by the user during the session. The data collected relates to multiple parameters monitored during the activity session. The classification system defines an activity using a set of threshold criteria for a combination of parameters and therefore identifies a particular activity performed during the activity session when a combination of monitored parameters satisfies the threshold criteria for a particular activity. Determining the activities performed in this way allows for more useful interpretation of the data which in turn leads to more effective coaching advice and feedback for the user.

Abstract: The systems and methods may be used to recommend an item to a consumer. The methods may comprise determining, based on a collaborative filtering algorithm, a consumer relevance value associated with an item, and transmitting, based on the consumer relevance value, information associated with the item to a consumer. A collaborative filtering algorithm may receive as an input a transaction history associated with the consumer, a demographic of the consumer, a consumer profile, a type of transaction account, a transaction account associated with the consumer, a period of time that the consumer has held a transaction account, a size of wallet, and/or a share of wallet. The method may further comprise generating a ranked list of items based upon consumer relevance values, transmitting a ranked list of items to a consumer, and/or re-ranking a ranked list of items based upon a merchant goal.

Abstract: Systems and methods herein log traffic to and from a device on a network. Logging can occur using a metering device, router, proxy, or other elements. For example, a metering device operatively coupled to a routing device can log the traffic directed to and originating from a user device. Logged traffic can be analyzed to identify users, devices, and/or sessions. For example, an identifier unique to the user device in the session, a device type of the user device, and a specific user of the device during the session can be identified.

Abstract: The invention relates to a computer-implemented system and method for providing data science as a service (DSaaS) using a real time data prediction contest. The method may comprise the steps of presenting a consumer interface via a network that allows a data consumer to identify a subject data source having data fields that can be predicted; and presenting a participant interface via the network that allows a participant to select a competition in which to participate and provides a web services interface enabling the participant to provide web services that can be called by the web services interface. The web services provide a prediction of the at least one data field, and the web services are permitted to utilize external data sources in generating the prediction. The prediction can then be transmitted via the network to the consumer.

Abstract: A computerized-method for generating a machine-learning model to determine genuineness of customer feedback to filter-out, non-genuine agent recording segments from evaluation. The computerized-method includes generating a Genuineness Opinion Score (GOS) model. The generating of GOS model includes: (a) a data manipulation phase; (b) a data visualization and analysis phase, and (c) a feature augmentation phase for sorting the variables in a set of unique and relevant variables into two categories: estimated variables and anticipated variables. The estimated variables are used for calculation of a GOS of an interaction that is received in a contact center and the anticipated variables are used for calculation of a threshold of said GOS.

Abstract: A real-time social and emotional mapping system enabling the visualization of state data in a geo-locational context, including goals, intentions, feelings, observations, and physical states, among others, in a-location based context visualized as a digital map. A structured framework may enables users to share state data by selection or guided entry of data or alternatively through some classification of submitted data. In embodiments, an integrated request-response framework is provided through a marketplace centered on geo-locational context.

Abstract: Methods and apparatus to identify retail pricing strategies are disclosed herein. An example apparatus for identifying a pricing strategy employed by a store includes a calculator to calculate a first pricing strategy variable for the store based on sales data of the store. The example apparatus includes an index creator to index the first pricing strategy variable against aggregated data for a plurality of stores to generate a pricing index. The example apparatus includes a pricing strategy identifier to identify a pricing strategy for the store based on the pricing index.

Abstract: A method of extracting price text from an image set includes: obtaining input data comprising (i) a plurality of images depicting shelves supporting products, and (ii) for each of the images, a set of text regions and corresponding price text strings; registering the images to a common frame of reference; identifying a subset of the text regions having overlapping locations in the common frame of reference; selecting one of the text regions from the subset; and presenting the price text string corresponding to the one of the text regions for further processing.

Abstract: An online agricultural system manages and optimizes interactions of entities within the system to enable the execution of transaction and the transportation of crop products. The online agricultural system accesses historic and environmental data describing factors that may impact crop product transactions and/or transportation to determine market prices for crop products and crop product transportation. Responsive to receiving a request from an entity, the online agricultural system determines an optimal transaction for the entity, such as a price for selling a crop product, an available crop product for purchase, or a transportation opportunity to transport a crop product.

Abstract: The present invention is related to a computer implemented method for validating a voucher in an electronic voucher system, the electronic voucher system comprising a voucher holder application, an attestation application, a voucher issuer application an issuer server application, a voucher collector application, a smart contract system or SCS. An electronic voucher system, a computer program product and a computer-readable storage medium for carrying out the steps of the method is also described.

Abstract: A system sends the identification of an electronic incentive award that a player may into a mobile device. The electronic incentive award may be sent in response to the player performing an action to complete an incentive objective on an electronic gaming machine (EGM). The system receives incentive progress data that corresponds to the action to complete the incentive objective. The incentive progress data indicates player progress towards completing the incentive objective. In response to the incentive progress data indicating that the player has completed the incentive objective, the system provides the electronic incentive award to the mobile device for the player to use on the mobile device.

Abstract: In some examples, a payment processing system may send, based on transaction information received from a plurality of merchant devices, an incentive for a first merchant to whom financing has been provided, to achieve a performance target during a specified time period. For instance, the incentive may include a proposed modification to repayment terms for the financing to be implemented if the merchant achieves the performance target during the specified time period. The system may track transactions processed for the first merchant during the specified time period. Based on the tracking, the system may determine that the merchant has achieved the performance target during the specified time period for receiving the incentive, and may implement the modification of the repayment terms for the financing for the first merchant.

Abstract: Methods, systems and device for verifying a transaction in a loyalty or advertising system are described. One such method includes: receiving, at least one processor, transaction data associated with a transaction between a customer and a merchant; determining, at the at least one processor, from the transaction data whether the customer and the merchant are associated with the loyalty or advertising system; and upon determining from the transaction data whether the transaction corresponds to a reward or advertisement, triggering the redemption of the reward or advertisement.

Abstract: A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The system provides a coupon-less way for merchants to provide incentive discounts to enrolled customers.

Abstract: A system and associated method for encouraging individual employees of a business, or members of a ten, to practice proper washroom activities is provided. The employees or team members are enrolled a washroom rewards program, and certain washroom facilities are designated as available to the individuals for use in the rewards program. The washroom facilities are configured with an identification (ID) system that automatically identifies enrolled employees or team members that enter the facility. Point values me assigned in the washroom rewards program for defined washroom activities performed by the individuals in the designated washroom facilities, and upon performance of such activities, the individual is identified via the ID system and a personal account assigned to the individual is automatically credited with the point value. The points are redeemable by the individuals for an award value.

Abstract: This disclosure relates to system and methods for dynamically modifying functionality and content of a mobile application based on location criteria. User-selected application requirements including location requirement, time period requirement, and/or other information may be obtained. User-selected functionality and content information specifying application functionalities may be obtained. User information including current end user's location information, user demographic, and/or other information may be obtained. The current end user's location information may be compared with the user-specified by the location requirement. A determination may be made whether the current end user's location information satisfies the user-selected location requirement. A current time may be compared with the user-selected time period requirement. A determination may be made whether the current time satisfies the user-selected time period requirement.

Abstract: Systems, devices, media, instructions, and methods are provided for presentation of media collections with automated interactive advertising. In one embodiment, a client device receives content elements for display as part of a content collection. Advertising data is also received for display between selected content elements. Interaction elements are merged with the create an advertising element. During display of the advertising data, the interaction elements are presented on the client device output, and are controllable via user inputs. In various embodiments, interaction data recorded at the device is used to manage the presentation of future advertising data.

Abstract: A system for processing information requests associated with mobile devices comprises an evaluation module configured to determine at least one performance measure for each of a plurality of information documents using at least data in one or both of a requests database and events database. The at least one performance measure includes at least one of an impression-based performance measure, a click/call-based performance measure, and an off-line site-visit-based performance measure. The system further comprises an information server configured to select a first information document for transmitting to a first mobile device to fulfill a first request.

Abstract: One variation of a method for selectively serving advertising content comprises: receiving identification of an advertisement slot loaded within a webpage; receiving a set of advertisement slot characteristics corresponding to the advertisement slot; accessing a model associating advertisement slot characteristics and user interactions with advertisements; for each target outcome, in a set of target outcomes, calculating an outcome score for the advertisement slot based on the set of advertisement slot characteristics and the model, the outcome score representing a probability of the user interacting with advertising content, presented within the advertisement slot, according to the target outcome; in response to a first outcome score, corresponding to a first target outcome, in the set of target outcomes, exceeding each other outcome score, assigning the first target outcome to the advertisement slot; and selecting a first advertisement, designating the first target outcome, for presentation within the adver

Abstract: Methods and systems disclosed herein facilitate users to capture, manage, and use receipt data, and use the information identified in the receipts in multiple receipt data use applications. Examples of such applications are generating customized recommendations for healthier items of consumable goods or services (e.g., food or beverage) based on correlating a user's purchase habits with the user's health-related data that is monitored by a wearable device, determining insurable items from receipt line item data, creating spending forecasts geared towards budgeting and saving, facilitating donations to charities based on a percentage of price of one or more items in receipt line data, and other applications that utilize receipt data.

Abstract: A system and method for content selection and presentation is disclosed. A plurality of content elements configured for presentation in at least one content container is received and one of the plurality of content elements is selected for presentation in the at least one content container. The one of the plurality of content elements is selected by a trained selection model configured to select one of an individual context or a global context. An interface including the selected one of the plurality of content elements is generated.

Abstract: A method, system, apparatus, and computer program product provide the ability to utilize household connections. A device is associated with a primary household. The primary household is connected with one or more additional households. Within a primary household profile, identification information (for the one or more additional households that are connected to the primary household) are stored. Media content based on data associated with the primary and connected households is then targeted.

Abstract: An information processing apparatus includes a control unit configured to execute the processing of obtaining location information of an advertisement displaying vehicle capable of displaying advertising information on a display apparatus arranged to face outside, finding a plurality of advertisement target vehicles present in the vicinity of the advertisement displaying vehicle based on the location information, obtaining attribute information indicating attributes of occupants of the plurality of advertisement target vehicles, selecting advertising information to be displayed by the display apparatus on the basis of the attribute information, and causing the display apparatus to display the selected advertising information.

Abstract: Systems and methods are disclosed configured to receive a ride request from an application hosted on a device of a user. A vehicle is routed to a pickup location. A route is generated configured to navigate the vehicle to a destination. Sensor data indicative of ride quality is monitored while the vehicle is navigating the generated route, wherein the sensor data comprises data indicating at least how bumpy the ride is and/or whether a sudden braking event occurred. When an adverse ride condition is detected, a determination is made that a content item is to be transmitted to a display device. A geofence is generated about the destination using a user content interaction history. The first item of content is selected based at least in part on an identification of an establishments within the geofence. The selected item of content is transmitted to the display device and the user may be transported to the pickup location within the geofence.

Abstract: Systems and methods are presented for providing interactive advertisements. In some embodiments, a method is presented. The method may include receiving, at a first advertising space, an indication that a first mobile device of a user is interacting with the first advertising space, the first advertising space displaying an advertisement. In response to the indication, the method may include transmitting information related to the advertisement from the first advertising space to the first mobile device. The method may also include receiving, at a second advertising space in a location geographically distinct from the first advertising space, the information related to the advertisement from a second mobile device; and displaying the advertisement at the second advertising space based on the information received at the second advertising space about the advertisement.

Abstract: Methods, systems, and apparatus include computer programs encoded on a computer-readable storage medium for delivering content. A method includes: identifying an application that is installed on a user device; accepting a bid from a sponsor associated with the application for presenting customized content on the user device after installation of the application on the user device; identifying an opportunity to present content on the user device including receiving a request for content that identifies the user device; conducting an auction including evaluating the accepted bid along with other bids; determining that the accepted bid is the winning bid in the auction and providing, in response to the determining, a shell for the customized content; enabling the shell to be populated with data stored on the user device to produce the customized content; and providing the customized content for presentation on the user device in response to the identified opportunity.