Abstract: Systems, apparatuses, and methods are provided herein for payments through point of sale systems. A system comprises a plurality of in-store POS systems, a user accounts database, and a merchant payment system configured to communicate with a plurality of user devices and a plurality of digital wallet provider systems. The merchant payment system comprises a control circuit configured to associate a user account with a plurality of digital wallet accounts in the user accounts database, wherein at least one of the plurality of digital wallet accounts is associated with two or more payment methods, receive a transaction request from a user device associated with the user account, select a digital wallet provider from the plurality of digital wallet accounts associated with the user account, and send a payment authorization request to a digital wallet provider system associated with the digital wallet provider for payment authorization.

Abstract: The present technology relates to an information processing apparatus and method and an information processing system that make it possible to perform more appropriate information provision. Processing relating to settlement of a commercial transaction is performed and log information relating to the settlement is generated, and the generated log information relating to the settlement is supplied to a server, which performs processing relating to provision of the log information relating to the settlement, without the intervention of a commercial transaction processing unit that performs processing relating to the commercial transaction. Further, processing relating to settlement of a commercial transaction is performed by a given method corresponding to a settlement service selected from a plurality of settlement services that can be utilized for the settlement of the commercial transaction and log information relating to the settlement corresponding to the settlement service is generated.

Abstract: An information processing method according to an aspect of the present disclosure includes: acquiring, from a video, flow line information of a customer; detecting that the customer acquires an item; and storing, in a storage, flow line information of the customer and information on a number of items acquired by the customer, in association with each other.

Abstract: A self-checkout system can include a plurality of telescoped bagging arm segments moveably coupled together in an order according to respective diameters of the plurality of telescoped bagging arm segments. A scanning system can be configured to provide a characteristic of an item purchased by a user of the self-checkout system and a processor circuit can be operatively coupled to the plurality of telescoped bagging arm segments and to the scanning system, where the processor circuit can be configured to move the plurality of telescoped bagging arm segments relative to one another based on the characteristic of the item to be placed in a bag in use with the self-checkout system.

Abstract: A computer-implemented method for facilitating a merchant transaction comprises providing a list of one or more merchants that are in geographic proximity to a geolocation of a payer, and receiving a request from the payer to conduct a transaction with a merchant among the one or more merchants. The request can be received by a computer system programmed to facilitate the transaction. The transaction can then be processed with the aid of the computer system. A tip selection, which can include a tip amount, can be applied to the transaction. In some cases the tip selection is received from the payer as a selectable option. In other cases, the tip selection is automatically applied to the transaction without involvement from the payer during or upon the termination of the transaction.

Abstract: Systems and methods for autonomous payment routing are provided. A method may include storing in a smart card a database of contacts accessed from a digital contact directory. The method may include receiving a request to reroute a payment via an alternate payment channel, the payment including a recipient and an amount, and the alternate payment channel originating from an account associated with one of the contacts in the database. The method may also include resolving, via a wireless communication element that is embedded in the smart card, routing information for the account. The method may also include transmitting, to an administrator of the account, a request for authorization to reroute the payment, and, when authorization is received, executing the payment via the alternate payment channel.

Abstract: There are provided systems and methods for a payment information autofill mechanism that links a browser application with a user account such that a payment page at the browser application can be automatically filled based on the link. Specifically, the autofill mechanism establishes a link between a browser application running on a user device and a user account associated with the user that is stored at the server. When the user engages with the browser application to conduct a transaction on a merchant website, an application programming interface (API) call can be made to retrieve user virtual card information for automatically populating the payment data fields at the transaction page.

Abstract: Aspects and examples are disclosed for facilitating transactions with an interactive computing environment provided by a host system. In one example, a processing device receives a data network identifier or other identifier from an interactive computing environment. The data network identifier or other identifier can be associated with a mobile device conducting a transaction with the interactive computing environment. The processing device can also obtain a credential associated with the mobile device using the data network identifier. The processing device can additionally retrieve identification information from a credit file associated with the credential. The identification information can be useable for completing the transaction. The processing device can further transmit the identification information to a host server system executing the interactive computing environment.

Abstract: A mobile wallet computer server receives a fund access request from a user device. The fund access request is made in connection with a payment transaction. The mobile wallet server generates a tokenized card number, transmits the tokenized card number to the user device, and receives receive the tokenized card number from a card network computer system after having been routed from the user device via a merchant computer system and via an acquirer processor computer system. The mobile wallet computer server converts the tokenized card number to the actual credit card account number of the user and transmits the actual credit card account number to the card network computer system to process the payment transaction.

Abstract: Conducting hands-free transactions comprises a server at a payment processing system, a user computing device, and a merchant computing device. The payment processing system receives a communication from a hands-free payment application on a user device, the communication comprising a first transaction token, an identification of a user account, and a beacon identifier. The merchant may provide a challenge to the user and use the response to identify the token and account of the user. The merchant computing device can use voice patterns of the user to assist in identifying the token and account of the user. The system receives from the merchant computing device a transaction request, the transaction request comprising the first transaction token and transaction data associated with the transaction request. The system determines that the transaction is for an amount less than a configured transaction limit and communicates a request for an authorization of the transaction.

Abstract: Embodiment of the invention describe methods and systems for verifying customer supplied financial account information verification using debit and credit transactions. In some embodiments, these methods include electronically transmitting an electronic debit and credit transaction to the customer financial account, based on the customer supplied financial account information. The method also includes electronically transmitting a first statement descriptor, as part of at least one of the electronic debit transaction and the electronic credit transaction, that includes a first verification code. The method also includes electronically receiving, from the customer, a second verification code, and comparing, by the computer system, the transmitted first verification code with the received second verification code with respect to each other. The method also includes verifying, by the computer system, the customer supplied financial account information based on the comparison of the verification codes.

Abstract: The invention provides a method and corresponding system for controlling a blockchain transaction output and/or specifying the recipient of the output. It also provides a method of controlling and/or generating an electronic communication. The invention is a blockchain-implemented solution, which may or may not be the Bitcoin blockchain. In a preferred embodiment of the invention, the method may comprise the step of sending an electronic notification to a notification address which is provided as metadata within an unlocking script of an input of a transaction (Txi) on a blockchain. The unlocking script is provided in order to spend an output from a further transaction (Tx2) on the blockchain. The input of the transaction (Txi) and/or the output of the further transaction (Tx2) may be associated with a tokenised asset represented on, or referenced via, the blockchain.

Abstract: Systems, methods, and apparatus are provided for a dynamic contract payment term (“payterm”) generator. A machine learning algorithm may generate a replacement payment term for a contract based on market-based parameters and blockchain metadata for the contract. The blockchain metadata may encode hierarchical interdependencies between contracts using blockchain encryption. The blockchain metadata may be applied to auto-generate machine learning inputs for related contracts having interdependent payment terms. The machine learning inputs may include contract parameters that have been extracted and encrypted as blockchain metadata, as well as market-based parameters extracted from enterprise sources.

Abstract: In one arrangement, a non-transitory computer readable media having computer-executable instructions embodied therein that, when executed by at least one processor of a computing system, cause the computing system to process an electronic transaction using a schema. The schema includes a first unique entity object identifier identifying a sender, a second unique entity object identifier identifying a receiver, and a first transaction object identifier identifying the transaction. The first transaction object identifier is located at a top level of a hierarchy of a plurality of transaction object identifiers. The schema further includes transaction information comprising the first unique entity object identifier, the second unique entity object identifier, and the unique transaction object identifier.

Abstract: A computer-implemented method performed by an issuer computer comprises receiving an authorization request for a transaction between a cardholder and a merchant using a first account identifier. A repository is searched for a preference set with the issuer by a cardholder to use a second account identifier when at least one transaction is received for the first account identifier. The transaction is authorized using the second account identifier in place of the first account identifier without knowledge by the merchant that the second account identifier was used. An authorization response is then returned to the merchant.

Abstract: An electronic transaction verification system comprising a client subsystem, a merchant subsystem, and a transaction verification subsystem. The transaction verification subsystem receives a quantum payment serial number from the client subsystem and performs entangled quantum encryption on the received quantum payment serial number to generate an entangled quantum payment serial number. The verification subsystem encrypts the entangled quantum payment serial number and transmits the encrypted entangled quantum payment serial number to the merchant subsystem. The transaction verification subsystem also transmits the entangled quantum payment serial number to the client subsystem.

Abstract: A method for generating and controlling intelligent assertion tokens includes generating a first assertion token, during a first step of a supply chain process. The first assertion token is inspected to determine validity. If the first assertion token is not valid, the receipt of the first assertion token is rejected. If the first assertion token is determined to be valid, the use of the first assertion token in further transmissions and/or transactions is authorized. The first assertion token can be passed to a second step of the supply chain process, and a second assertion token may be generated based on the first assertion token. Upon receipt of the second assertion token, it is inspected to determine validity. If not valid, the transmission and/or transfer of the second assertion token is rejected. If valid, the transmission and/or transfer of the second assertion token to a further step of the supply chain process or to a customer is authorized.

Abstract: Verification of user identities is an important aspect of computer and network security. In some instances, a first user may attempt to engage with a second user via a web application, mobile phone app, or other software without necessary knowing that the identity of a second user is accurate. The computer security problem of identity verification may be particularly acute when the only contact information is an email address, phone number, or other electronic identifier that can potentially change ownership (e.g. a person may get a new phone number, someone might purchase an Internet domain and thus change ownership of an email address, etc.) This disclosure and claims relate to techniques that allow for enhanced security by verifying an identity of a user via specific prompts and interactions provided via software. Particular credentials may be required in order to verify user identity, including biometrics and other specific required responses.

Abstract: A method is disclosed. The method comprising: receiving, by an access control sewer via a directory sewer from an authentication requestor, an authentication request comprising an account identifier, and information regarding a prior authentication method on the account identifier and a current authentication method for the account identifier associated with a transaction; performing, by the access control server, a risk analysis for the transaction based at least in part on the information and a threshold; authenticating, by the access control server, the user of the account identifier using the information, the account identifier, and a result of the risk analysis; modifying, by the access control server, an authentication response to include an authentication indicator, and transmitting, by the access control sewer, the authentication response to the authentication requestor.

Abstract: Embodiments are directed to optimizing the secure provisioning of credentials to mobile devices through use of risk decision non-overrides. In some embodiments, a service provider receives a request from a wallet provider to provision a credential associated with an account to a mobile device. The request includes a first risk level associated with the provisioning. The service provider receives a second risk level associated with the provisioning request from an issuer of the account. Based upon determining that a non-override condition exists, the service provider uses the first risk level from the wallet provider and accordingly causes a user authentication to occur. A non-override condition may be determined based upon scenario indicators received within the provisioning request. In some embodiments, the non-override condition may be ignored when the first risk level indicates medium risk and the second risk level indicates high risk.

Abstract: Methods and systems pertaining secure transaction systems are disclosed. In one implementation, a merchant server payment information from a user computer. The merchant server can transmit a verification request to a gateway as well as receive a verification response from the gateway. The merchant server can transmit an authentication request and receive an authentication response. After receiving the authentication response, the merchant server can initiate an authorization process.

Abstract: In some implementations, a transaction card security system may detect a transaction card in an image, and may perform image processing to identify one or more character sequences or one or more designs that appear on the transaction card. The one or more character sequences or the one or more designs may identify an institution associated with the transaction card and/or a cardholder associated with the transaction card. The transaction card security system may identify the institution or the cardholder associated with the transaction card based on the one or more character sequences or the one or more designs, and may perform one or more actions relating to security of the transaction card based on detecting the transaction card in the image and identifying the institution or the cardholder associated with the transaction card.

Abstract: In an embodiment, a computer-implemented method for causing funds to be transferred between a first user and a second user of a payment transfer system includes receiving, from an application executing on a user device of the first user, a user input for a payment transfer. The user input includes an identifier associated with the second user and a payment amount. The method includes configuring a resource associated with the payment transfer system and accessible via an interactive interface element activatable at a user device of the second user. The resource is configured to initiate transfer of the payment amount. The method includes causing an electronic message associated with the payment transfer and the interactive interface element to be transmitted to the user device of the second user. The method includes, upon receiving an indication of an intent to effectuate the payment transfer, initiating a transfer of the payment amount.

Abstract: A method and system identify assistance offerings that are likely to be relevant to users of a data management system. The method and system utilize a multivariate random forest regression machine learning process to train an assistance offerings recommendation model to recommend relevant assistance offerings to users of the data management system. The multivariate random forest regression machine learning process replaces zero values in the training set data with negative numbers to increase the accuracy of the machine learning process.

Abstract: A method and apparatus for managing capabilities of an account of a user system at a commerce platform are described. The method may include receiving, at the commerce platform, a request from a user system that identifies an account at the commerce platform and includes a capability requested for the account, where the requested capability corresponds to a desired functionality of the account. The method may also include mapping the requested capability to a compliance plan that defines a set of account data to be collected before activation of the capability for the account by the commerce platform. Furthermore, the method may include transmitting a message, generated by the commerce platform, that comprises a listing of additional data to be provided by the user system before activation of the capability for the account, where the additional data comprises a minimal set of account data defined by the compliance plan less any data already associated with the account at the commerce platform.

Abstract: The disclosure relates to systems and methods for compliance monitoring in a secure facility. A method can include generating, by a mobile radio frequency identification (RFID) device, data regarding a proximate stationary RFID device of stationary RFID devices situated about a correctional facility, the mobile RFID device associated with a user, and comparing, by a server, the generated data to compliance monitoring rules that govern actions to be performed by the personnel in monitoring offender behavior, each of the compliance monitoring rules including an associated timeframe in which an action of the compliance monitoring rule is to be performed, and generating, by the server, an alert to be provided to the mobile RFID device in response to determining a time associated with a compliance monitoring action has already expired or will expire in a specified amount of time.

Abstract: A method includes displaying on a graphic user interface (GUI) of a computing device of a user, a log of computing operations performed by the user at computing terminals of entity servers respectively managed by entities. The user uses a unique authorization identifier provided by the authorizing entity to authorize the computing operations at the computing terminals of the entity servers. The user provides a fraud indication through the GUI that at least one computing operation in the log is fraudulent. Memory jogging visual units are displayed on the GUI to the user that cause the user to recall performing the at least one computing operation identified as being fraudulent. An entry of the at least one computing operation in an operation database is marked as a valid operation authorized by the user when receiving a recognition indication and potentially fraudulent when no recognition indication by the user.

Abstract: A computerized system for verification and management of a digital asset, including an immutable digital asset, comprising: a computer system a sensor and a set of non-transitory computer readable instructions that can include instructions adapted for: receiving a digital asset from a creator of the digital asset; receiving significant information wherein the significant information is taken from a group consisting of date, time, event, individual, team, organization, notation, and any combination thereof; receiving identification information using the sensor of the creator; retrieving location information representing a physical location where the identification information is received, and the computer system is located; retrieving date and time information from the computer system; creating a digital asset record that includes a unique identifier associated with the digital asset, identification information, location information, and date and time information; and storing the digital asset record on the pe

Abstract: Techniques for enabling the creation of a digital asset representation of physical goods (e.g., luxury items) produced in limited quantities or heirloom-goods associated with restricted ownership rules. Anti-counterfeiting mechanisms are proposed for both classes of goods. The provenance of both classes of goods is traced using cryptography and decentralized ledger technology. For example, mechanisms to restrict ownership of heirloom-goods are proposed based on the combination of the DNA biological fingerprint of the patron who originated the goods and smart contract technology. The goods can be represented as digital tokens on the blockchain, binding manufacturing evidence to the token. For heirloom-goods that have restricted ownership rules, persons seeking to acquire the good via the digital token and smart contract are required to prove that they satisfy the entitlement rules based on a biological relationship to the patron.

Abstract: Social media content items are mapped to relevant time-based media events. These mappings are used as the basis for calculating metrics based upon the mappings, and ratings of the time-based media there from. Audience response metrics (ARMs) are calculated from the mappings, which provide an indication of audience engagement or response. In addition, ARMs provide information about the virality, depth, and breadth of the response by the viewing audience. The calculated metrics are stored and are used to generate ratings for the time-based media. The ratings may be published in whole or in part, e.g., as part of a ratings system.

Abstract: An online system predicts whether a location will experience a threshold increase in traffic over the location's historical average amount of traffic. To predict a future deviation over historical traffic, the online system identifies events within a threshold distance of the location and determines an average number of indications that users will attend events within a threshold radius of the location during a prior time interval. The online system determines a total number of indications that users will attend future events within the threshold distance of the location, disregarding locations associated with less than a threshold number of future events and future events for which the online system received less than a threshold number of indications that users will attend, and determines a ratio of the total number of indications to the average number of indications that users will attend received for the prior events during the time interval.

Abstract: Methods and systems for processing financial market data. An electronic communication to be taken in response to detecting a market condition can be defined. Market data can be received. The market condition can be detected. An order to make a trade in a market based on the market condition can be accepted.

Abstract: A computer implemented system for an intelligent timeline includes computer readable instructions to operate a timeline engine, a logic extraction and application engine, a calendar engine, a performance evaluation engine, an advertisement placement engine, and a social networking engine that are interconnected to one another. The timeline engine creates a timeline of events containing external events and/or an owner's actions. Each event has a timestamp such that the events may be arranged in the order of timestamps. The logic extraction and application engine extracts the logical inferences from the events to be used by the timeline engine. The calendar engine creates a calendar containing the events and other reminders. The performance evaluation engine creates performance evaluation results of an owner's actions based on the events. The timeline of an owner may be sold or shared on the owner's social networking channel to subscribers.

Abstract: An online concierge system trains a machine learning conversion model that predicts a probability of receiving an order from a user when the user accesses the online concierge system. The conversion model predicts the probability of receiving the order based on a set of input features that include price and availability information. For each access to the online concierge system, the online concierge system applies the conversion model to a current price and availability and to an optimal price availability. The online concierge system generates a metric as the difference between the two predicted probabilities of receiving an order.

Abstract: This disclosure covers methods, systems, and computer-readable media that identify a topic variance from digital survey responses and provide a variety of functionalities to a digital survey system based on the topic variance (i.e., by modifying a digital survey reporting structure based on the topic variance). In certain embodiments, the disclosed systems analyze one or more sets of digital survey responses to generate one or more response models. Furthermore, the disclosed systems can analyze the one or more response models to identify a topic variance (e.g., an emerging topic, a change in trend for a topic, and/or a change in sentiment for a topic). Upon identifying a topic variance, the disclosed systems modify a digital survey reporting structure and/or generate notifications based on the identified topic variance.

Abstract: A method, system, and computer program product for determining customer migration: obtain first feature data for a plurality of users associated with a first time period; segment the plurality of users into a plurality of groups based on the first feature data; identify a center point of each group based on the feature data; obtain second feature data for one or more users of the plurality of users associated with a second time period; determine a distance between the one or more users and each center point of each group based on the second feature data; and assign the one or more users to a group of the plurality of groups based on the distance between the one or more users and each center point of each group.

Abstract: Disclosed are systems, methods, and non-transitory computer-readable storage media for semi-opaque sales with bundles of items. An example bundle can include hotel lodging and a bonus service, status, or item associated with that hotel. An system can identify a first bundle of a first base and bonus item, and a second bundle of a second base and bonus item. The system can present a semi-opaque offer comprising the first bundle, the second bundle, and a discount price, wherein the semi-opaque offer does not identify which of the first bundle and the second bundle will be sold at the discount price to the user upon acceptance of the semi-opaque offer, and wherein the discount price is a full price of the first base item. After receiving acceptance of the semi-opaque offer from the user, the system can disclose that the user has purchased the first bundle at the discount price.

Abstract: Systems and methods to provide utilities based on blockchain-specific populations of unique digital articles in an online gaming platform are disclosed. Exemplary implementations may execute instances of a game; manage user accounts, including a first user account having a first account inventory that includes a first unique digital article; receive a first recordation request to record ownership of the first unique digital article on a first decentralized ledger; determine a size of a set or population of unique digital articles that include the first unique digital article; determine a fraction of the set or population of unique digital articles recorded on the first decentralized ledger; receive a first reward request for a first reward; compare the determined fraction with a threshold value; based on the comparison, provide either the first reward or else provide no award or a smaller award.

Abstract: A distributed system that includes a merchant application, a buyer application and a seller or drummer application. The applications reside and run on personal computing devices and operate together to allow a merchant to create an offer, drummers to select, present and share the offer with buyers, and buyers to receive and save the offers in anticipation of a conversion. Upon a conversion, revenue derived from the transaction is provided to the merchant but, some of revenue is shared with one or more drummers involved in pushing the offer.

Abstract: In one embodiment, a user of a client device may selectively share personal data with web companies. The personal data may be shared directly via transmission by the client device to the web companies. Alternatively, the personal data may be shared with the web companies via a personal data sharing system that collects and maintains personal data associated with users. The personal data sharing system may reward the user for sharing their personal data with the web companies.

Abstract: A method of generating and using a 2D barcode to provide an authenticated service subscriber with an adapted offer comprising monitoring and identifying, by a monitoring application associated with a first service provider, a social network for keywords related to a negative subscriber interaction with a second service provider; engaging a subscriber associated with the negative interaction by the first service provider; generating a one-time use 2D barcode associated with an offer and comprising embedded subscriber information; storing the barcode in a data store; sending the barcode to a mobile device; presenting and scanning the barcode; decoding the information by an offer application; authenticating the identity of the subscriber; adapting the offer based on the subscriber information; searching an inventory data store associated with a physical retail location of the first service provider; locating and presenting the adapted offer; and marking the barcode as expired in the barcode data store.

Abstract: Decentralized computer systems and methods are disclosed for using a debit network as an intermediary between distributed ledgers. One method includes: receiving, at a first blockchain network from a merchant, transaction information comprising a consumer identification, an issuer identification from a payment vehicle presented for a transaction, and a transaction amount in resources of a first type, wherein the merchant and/or its acquirer are participants of the first blockchain network but the consumer and/or issuer are not participants of the first blockchain network; sending the transaction information to a debit network; identifying, using the debit network, a second blockchain network having the consumer and/or the issuer as participants, using the received consumer identification or issuer identification; and if participants of the second blockchain network accept the transaction, generating a new immutable entry to the second blockchain network indicating a change in the resources of a second type.

Abstract: Methods and systems for regulating generation of units according to at least one encryption technique associated with a blockchain are disclosed. In some embodiments, a system includes a communication device configured to communicate with a computing device executing an application and a processor configured to execute instructions to perform operations. The operations include receiving transaction information describing a transaction; based on the transaction, determining product awards for at least one product awards program for the transaction; using the blockchain, determining a real-time conversion rate for the transaction, where the real-time conversion rate is regulated by the at least one encryption technique; based on the real-time conversion rate, converting the product awards to units; and entering into the blockchain encrypted data associated with the transaction, wherein the encrypted data is encrypted according to the at least one encryption technique.

Abstract: An apparatus, computer program product, and method are disclosed for generating immediate gratification promotions. An example apparatus includes communications circuitry configured to receive contextual data regarding a set of consumer devices, wherein the contextual data identifies locations of each consumer device of the set of consumer devices, receive resource management data regarding a set of merchant locations, transmit, to a consumer device of the set of consumer devices, a message indicating terms of an immediate gratification promotion redeemable at a merchant location of the set of merchant locations, wherein the immediate gratification promotion comprises a promotion for which purchase automatically initiates redemption, and receive, from the consumer device, a message requesting purchase of the immediate gratification promotion.

Abstract: An apparatus for secure decentralized rebate management is presented. The apparatus includes at least a processor and a memory containing instructions configuring the at least a processor to receive a claim process request including a plurality of elements of a user data and generate a claim initial entry comprising a conditional claim trigger configured to deploy on an immutable sequential listing. The at least a processor is further configured to execute a claim mapping function including the at least a processor to generate a conditional rebate array including a plurality of rebate requirements, match each rebate requirement to each element of the user data, deploy a plurality of claim test entries representing matches on a private layer, and determine a claim mapping result. The at least a processor is configured to generate a claim result entry configured to deploy on the immutable sequential listing and execute the conditional claim trigger.

Abstract: A gift redemption system may include a gift processing server configured to accept a gift value for a gift product for a gift recipient, and permit selection of a retailer from among retailers for the gift product. The gift processing server may also be configured to associate a gift recipient identifier with the gift recipient, and permit selection of a redeemable gift value from the gift value. The system may also include a retailer server associated with the selected retailer. The system may also include a gift redemption server configured to obtain the redeemable gift value and the gift recipient identifier, and cooperate with retailer server to generate a gift discount identifier for use by the gift recipient at a point-of-sale (POS) of the gift product based upon the redeemable gift value and the gift recipient identifier.

Abstract: Adaptive control of exposure. A proportional exposure cap is a maximum fraction applicable to a recipient's total viewable attention in a time window. The total viewable attention represents all viewable advertising content which will be provided to the recipient. A notification of availability of an opportunity to expose a specified recipient to advertising content is received during the time window. The specified recipient's consumed viewable attention is detected. The specified recipient's total viewable attention for the time window is predicted. Responsive to the maximum fraction of the specified recipient's predicted total viewable attention for the time window being greater than the consumed viewable attention of the specified recipient, content is sent to the specified recipient and the consumed viewable attention is updated.

Abstract: Processor(s) of a client device can: analyze one or more features of an electronic resource that is under consideration for solicitation to a user; determine a notification likelihood that the user will access the electronic resource in response to an unsolicited notification of the electronic resource being output to the user; determine a baseline likelihood that the user will access the electronic resource without being solicited; compare the notification likelihood with the baseline likelihood; and cause, based on the comparing, the unsolicited notification to be output to the user. In some implementations, determining the notification likelihood and/or the baseline likelihood is based on applying data associated with the electronic resource as input across a machine learning model to generate output indicative of the notification likelihood and/or the baseline likelihood.

Abstract: An information providing method and apparatus a) transmits a request via a network, for recommended driving information for a first user to be received and displayed on a display of the first user, b) receives from the network driving data from a plurality of vehicles about how a plurality of users drive their vehicles including the first user, c) extracts a similar user from among the plurality of users who drives a vehicle with a predetermined similarity to how the first user drives a vehicle, and determines recommended driving information of the similar user from the similar user's driving history, d) transmits over the network to the first user the recommended driving information of the similar user, and e) displays on a display of the first user the recommended driving information of the similar user.

Abstract: Aspects of the subject disclosure may include, for example, embodiments for detecting a navigation application operating on a first communication device, and identifying a location of the first communication device. Further embodiments can include obtaining a first advertisement and a second advertisement according to the location of the first communication device as well as determining a first priority associated with the first advertisement and a second priority associated with the second advertisement. Additional embodiments can include determining the first priority is higher than the second priority resulting in a determination to present the first advertisement prior to the second advertisement, and providing the first advertisement, the second advertisement, and the determination to the first communication device.