Abstract: Provided is a method of providing a recommended card, the method including: receiving a radio signal from at least one access point around a device; selecting one from the at least one access point, based on a strength of the received radio signal; determining a card merchant corresponding to the selected access point; determining at least one recommended card regarding the determined card merchant from at least one card registered with the device, based on the card merchant and card benefit information of the registered at least one card; and providing the at least one recommended card.

Abstract: Provided is a process of classifying ambient signals to reduce fraudulent use of information, the process including: receiving, with the mobile computing device, from a remote server, balance-access information by which a stored value card balance can be spent at a point of sale terminal; storing, with the mobile computing device, the balance-access information; sensing, with one or more sensors of a mobile computing device, ambient signals; classifying the ambient signals as indicating the user is in a retail establishment; and in response to the classification, displaying, on a display screen of the mobile computing device, the balance-access information, such that the balance-access information can be input to a point-of-sale terminal.

Abstract: Provided is a method and system for recommending an e-book. A processor may collect reader data related to a plurality of e-books from a plurality of user devices. The processor may determine an interest score for each section of a plurality of sections of each e-book. The processor may identify a set of sections from the plurality of sections that meet a predetermined interest score threshold. The processor may analyze the set of sections to determine a sentimental score for each section. The processor may generate a scoring matrix using the interest score and the sentimental score for each section of each e-book. The processor may compare scoring matrices of each e-book of the plurality of e-books. The processor may identify two or more e-books having similar scoring matrices. The processor may provide a recommendation to a user based on the identified two or more e-books.

Abstract: A method for an on-site purchase at an automated storage and retrieval system (ASRS) can include: analyzing likely impulse purchases for customers during a given season, the likely impulse purchases being associated with each customer's profile which comprises preferences, purchase history and search history; stocking items for customers to purchase and pick up at the ASRS, the stocked items comprising general and seasonal items, and supplementary items selected based on an analysis of the likely impulse purchases; receiving a customer's order for purchasing an item; detecting a customer's arrival within a predetermined area around the ASRS; offering a subset of the stocked items for the customer to add to the order, updating the order based on customer's purchase selections or declines; completing a payment transaction of the updated order; automatically updating the items for inclusion in the ASRS based on the customer purchase selections or declines.

Abstract: A leads generating service provider where both buyer and seller get their desired price. The seller lists their sale price and the buyer submits their purchase price, the system determines if a deal is possible based on market demand for the product. This solution is not limited to automobiles. YourPriceAutos improves on the TrueCar.com [and others] concept by creating a unique win/win situation where the seller wins and the buyer wins. The sale price is not negotiated, nor is the purchased price suggested, market demand drive the actual sale/purchase price. We allow the seller to choose his/her sale price and we allow the buyer to submit his/her purchase price, then, our system software determines when the market demand is ideal to enable both the seller and the buyer to get their desired price.

Abstract: Various embodiments relate generally to data science and data analysis, computer software and systems, and control systems to provide a platform to facilitate implementation of an interface, and, more specifically, to a computing and data storage platform that implements specialized logic to facilitate predictive consumption of a sample of an item in accordance with an automatically adaptive schedule, for example, via an interface. In some examples, a method may include identifying data representing a replica of an item for transmission to a location associated with an electronic account, identifying a characteristic associated with a user or an item, predicting a date of consumption of the replica, and generating a subset of data included in an electronic message to initiate executable instructions to generate feedback regarding the replica relative to the date of consumption, among other things.

Abstract: An alert management and real-time remediation system is disclosed. The system may receive, from an institution, an electronic file that includes an exception information (EI) data structure comprising exception information representing events and customers associated with the events, and a contact information data structure comprising an electronic address for each customer. The system may automatically parse the EI into events associated with the customers, and for each customer, send an event notification message (EN) to the electronic address of the customer, wherein the event notification message includes a link to an authentication interface of the institution associated with the customer.

Abstract: A method, system and computer program for enabling a loyalty system to be linked to one or more card issuers, cardholders, merchants, and thereby their cardholders. A system operable to create, implement and manage one or more loyalty programs that provide benefits to members of the loyalty programs in connection with transactions between the members and one or more merchants associated with the loyalty system. The method includes registering on the loyalty system one or more card issuers; one or more merchant acquirers associated with the one or more card issuers; a plurality of cardholders as members of the loyalty program. Establishing and applying rules for accrual and processing of benefits from the merchants to cardholders associated with the one or more card issuers in connection with transactions between the cardholders and the merchants with the loyalty system. Defining a rule based survey utility operable to issue surveys to members of the loyalty system on a transaction and non-transaction basis.

Abstract: An example system is configured for displaying enhancement options and financial analysis. The system may include a server, third party data sources and an augmented reality computing device that includes a processing unit and system memory. The augmented reality computing device is configured to obtain user input regarding a property enhancement option; render the property enhancement options in augmented reality; obtain financial data from the server and the third party data sources; responsive to the obtained user input, automatically generate a financial analysis of the property enhancement option, wherein the financial analysis is based on the obtained financial data; and render the financial analysis with the obtained property enhancement option in augmented reality.

Abstract: Computer-implemented methods and systems for storing data specifying an association between the real world object associated virtual object, wherein the association utilizes geolocation or place or geofence information and the object criteria. In the event of conducting scanning or taking a photograph of a real world object, detecting that a client device of the server has conducted scanning or augmented reality (AR) scanning or taken a photograph or provided a raw photo or scanned data from particular real world object geolocation. Identifying or recognizing an object in the received photograph or scanned data and based on the identified object satisfying within a defined geographic area surrounding the identified geolocation or the identified geolocation associated place or geofence associated object criteria in the stored data, displaying or providing the associated virtual object including virtual money to the client device.

Abstract: A system and method may create a user interface where a first account may be lined up in relation to a second account and a transfer may move value from the first account to the second account.

Abstract: A recommendation service that utilizes a machine learning algorithm trained with association vectors is provided. To allow for filtering of unrelated items, a recommendation service generates vectors that represent a quantization of items within a browse node that are considered complementary or a substitute of a selected item. Using an association vector, a machine learning algorithm can be trained to determine whether a particular item recommendation is considered noise, complementary or a substitute. Thereafter, the recommendation service can utilize the trained machine learning algorithm to filter a set of recommendations to remove items considered to be noise or to prioritize items identified as complementary or a substitute.

Abstract: The present specification describes computer-implemented methods and systems for simulating a multiplayer game environment to allow, and encourage, players to invite their social contacts to play the multiplayer game. Players are rewarded for each contact that engages with the multiplayer game in response to the invitation. Players are also rewarded for contacts invited by the invited contacts of the players that engage with the multiplayer game.

Abstract: Disclosed are methods, systems, and non-transitory computer-readable medium for testing and applying codes to electronic shopping carts. For instance, the method may include monitoring a shopping cart associated with an e-commerce website and with a user; in response to detecting a change to the shopping cart, testing codes with respect to a present content of the shopping cart to determine valid codes; selecting at least one of the valid codes; determining a status of the session; and performing an action based on the status and the at least one selected code. The testing the codes with respect to the present content of the shopping cart may include: cloning the shopping cart to form a cloned shopping cart in a shadow session; and/or obtaining the codes; and testing the codes on the cloned shopping cart in the shadow session to determine the valid codes.

Abstract: A promotion processing system may include a user device associated with a given user and geographically spaced apart communications servers each executing a respective chatbot. A promotion processing server may determine a first geographic zone of the given user based upon communications between the user device and a first geographically spaced apart communications server, and generate and communicate a digital promotion to the user device via a first chatbot. The digital promotion may have a redemption parameter based on the first geographic zone. The promotion processing server may determine a second geographic zone of the given user based upon communications between the user device and a second geographically spaced apart communications server, and determine whether the redemption parameter is valid in the second geographic zone, and when not, adjust the redemption parameter and communicate the digital promotion with the adjusted redemption parameter to the user device via a second chatbot.

Abstract: Systems, computer-implemented methods, and computer-readable media for a customizable redemption header for merchant offers, such as online coupons, across browser instances are provided. In some embodiments, a user may open a merchant website in a first browser instance executing on a user device. An offers website may provide offers, such as online coupons, in a second browser instance executing on a user device. When a user selects an offer, an offer identifier may be stored in a browser-accessible storage device. The modification to the browser-accessible storage may be detected and a customizable redemption header having an offer redemption identifier, e.g., a coupon code, and instructions may be provided on the merchant webpage in response to the detection. Additionally, the customizable redemption header may provide user feedback requests upon submission of the coupon code.

Abstract: A system and method that can customize mobile advertising services and increase the effectiveness of advertising is provided. The method includes registering contact details of one or more advertisers in a phone book, receiving one or more mobile advertising messages from the registered advertisers, notifying a user of the reception of the mobile advertising messages, and displaying the received mobile advertising messages according to the user's confirmation request.

Abstract: Systems and methods are provided for anticipating needs of a user through a mobile device of the user. One example method includes receiving, from the mobile device, a location identifier associated with a position within an entity location, the mobile device receiving the location identifier from a wireless transmitter upon entering a predetermined transmission range of the wireless transmitter; starting a first timer upon receiving the location identifier; and initiating a predefined action associated with the position within the entity location upon determining that a time on the first timer exceeds a predetermined threshold.

Abstract: A method, system and computer program product are disclosed for using shoppers for in-venue pick up of online orders. In an embodiment, the method comprises determining that an online order has been placed by a first shopper for a product in a venue, identifying a second shopper in a specified area to get the product, sending to the second shopper a message including a promotional offer in exchange for getting the product, receiving the product from the second shopper, and in response to receiving the product from the second shopper, honoring the promotional offer. In an embodiment, the second shopper is identified in a specified area relative to the venue. In an embodiment, the method further comprises determining a cost associated with getting the product in the store; and generating the promotional offer based, at least in part, on this determined cost associated with getting the product.

Abstract: A smart beacon includes: a connector able to be coupled to a point of sale (POS) terminal and allowing two-way communication between the smart beacon and the POS terminal; a wireless transceiver allowing two-way communication with a user device; and a network interface allowing two-way communication with a remote server. A POS system includes: a POS terminal; a network-accessible payment processing server; and a smart beacon communicatively coupled to the POS terminal and able to communicate with the network-accessible payment processing server. An automated method of processing a payment includes: transmitting a beacon signal; identifying a consumer check-in event based at least partly on a received response to the beacon signal; retrieving charge information from a POS terminal; retrieving payment information from a user device; sending the retrieved charge and payment information for processing at a remote processing entity; and returning a result comprising one of a rejection and authorization.

Abstract: Methods, systems, and non-transitory computer readable storage media are disclosed for dynamically generating discounted product digital notifications based on remaining product shelf life. For example, in one or more embodiments, the disclosed system determines an expiration date or a target product available for purchase from a merchant. Additionally, in one or more embodiments, the disclosed system utilizes a machine-learning model to dynamically generate discount prices for the target product over time based on the expiration date. In one or more embodiments, the disclosed system identifies a client device of a customer and provides a discount price for the target product for a given time window to the client device of the customer.

Abstract: Methods and systems of reconciling a transaction in a computer-based game are disclosed. At least one object attribute is determined, based on physical data associated with a first player whose physical data has been derived from at least one sensor. A first transaction amount of game points between a provider and a first user account of the first player and a second transaction amount of game points between a provider and a second user account of a second player are determined. The transaction amounts are determined based on a reconciliation matrix and the at least one object attribute. Game point transactions for the first transaction amount and the second transaction amount are reconciled among the provider, the first user account, and the second user account when at least one criterion based on the physical data of the first player is met within the computer game.

Abstract: Various examples are directed to systems and methods for securely sending and using proxy element in a mobile wallet system. Through a user interface associated with a proxy originator wallet, user input may be received that defines the parameters of the proxy element. The parameters may include one or more of a spending limit, a time duration, a use number condition, and a transfer condition, and a product condition. A request may be sent from the proxy originator wallet to a proxy approver system to create the proxy element. The originator wallet may receive a proxy grant acknowledgement from the proxy approver system. The grant acknowledgement may instructions for obtaining credentials for the proxy element. The proxy element including the parameters and the instructions for obtaining credentials may be sent to a mobile wallet of a recipient. The recipient mobile wallet may use the proxy element for payment or non-payment transactions.

Abstract: A commodity registration supporting device according to an embodiment includes a receiver, an acquiring section, a first detecting section, an adding section, and an output section. The receiver receives an electromagnetic wave transmitted from a first transmitter provided in a display place where a commodity is displayed. The acquiring section acquires, from the electromagnetic wave received by the receiver, identification information of the commodity displayed in the display place where the first transmitter that transmits the electromagnetic wave is provided. The first detecting section detects a first act of a purchaser taking out the commodity from the display place and storing the commodity in a storage body. The adding section adds, if first act is detected by the first detecting section, the commodity identified by the identification information acquired by the acquiring section to a list. The output section outputs the list.

Abstract: A method for separately registering a user and a mobile device for use of a mobile wallet account includes registering, by a registration terminal of a mobile wallet provider, a user for use of the mobile wallet account, including assigning one or more user-provided settings to the mobile wallet account. The method also includes receiving, by a computing system of the mobile wallet provider, a request from a mobile device to register the mobile device for use as a mobile wallet, identifying, by the computing system, the mobile wallet account of the registered user based on the request, and registering, by the computing system, the mobile device for use of the identified mobile wallet account, including associating the one or more user-provided settings with use of the mobile device.

Abstract: The current document is directed to automated reinforcement-learning-based application managers that use local agents. Local agents provide finer-granularity monitoring of an application or application subcomponents and provide continued application management in the event of interruption of network traffic between an automated reinforcement-learning-based application manager and the application or application subcomponents managed by the automated reinforcement-learning-based application manager.

Abstract: The current document is directed to automated reinforcement-learning-based application managers that learn and improve the reward function that steers reinforcement-learning-based systems towards optimal or near-optimal policies. Initially, when the automated reinforcement-learning-based application manager is first installed and launched, the automated reinforcement-learning-based application manager may rely on human-application-manager action inputs and resulting state/action trajectories to accumulate sufficient information to generate an initial reward function. During subsequent operation, when it is determined that the automated reinforcement-learning-based application manager is no longer following a policy consistent with the type of management desired by human application managers, the automated reinforcement-learning-based application manager may use accumulated trajectories to improve the reward function.

Abstract: Real-time individual tracking at a site is provided by capturing an image at a specific location for the individual, extracting a limited number of biometric features from the image, and providing a searching mechanism for matching the scored biometric features to the individual at the specific location.

Abstract: A third party website provides a search interface to a general search engine. A site profile of the third party website describes various topics, keywords, or domains that are potentially relevant or of interest to users who access the third party website. The topics are associated with a topical directory, with domains associated with each topic; the domains in a given topic are given various weightings. When a search is submitted to the general search engine from the third party website via the search interface, the general search engine uses the site profile to customize the search results. The search results are customized by weighting the ranking of documents from websites associated with the topics in the site profile. The site profile can be manually or automatically constructed.

Abstract: Embodiments provide dynamic consumer incentive generation by generating a combination discount offer that provides a total discount value to a customer in response to verifying that the customer executes a commercial activity at each of different (first and second) ones of a discount grouping plurality of businesses, in response to determining that it is probable as a function of historic purchasing data that the customer will purchase an item from the first business when they make a purchase from the second business; and allocating different portions of the total discount value as costs to the first and second businesses that have different values determined as a function of a difference between a first probability that the customer will purchase an item from the first business and a second probability that the customer will purchase an item from the second business.

Abstract: A system, method and computer program product are provided for processing a subject image, consumer data, and product images to generate product recommendations. Subject images may be provided by consumers and may include products they wish to buy, and/or images of themselves to be utilized as an avatar. The subject image, and other images provided by other consumers may be processed to determine image characteristics, and correlations with consumer data including preferences, demographics, style preferences, physical characteristics, and/or the like. Trends, styles, and preferences may be intelligently learned such that relevant products are provided to a consumer. The subject image may be manipulated, such as by dressing an avatar in a recommended clothing article, and/or the like.

Abstract: Systems, devices, and techniques are disclosed for endpoint URL generation and management. An entity identifier may be received. The entity identifier may be hashed with a hashing algorithm to generate an alphanumeric string. A custom endpoint URL may be generated by combining the alphanumeric string with a URL that identifies an endpoint located on a server of a cloud computing system. A CNAME record in a DNS database may be updated to associate the URL that identifies the endpoint located in a stack of cloud computing system with the custom endpoint URL.

Abstract: Systems and methods are disclosed for generating consumer analytics for products placed in online shopping carts. A profiler computing system generates a unique tacking profile for associating purchase events by a purchaser. Payment vehicle data and a tracking element are associated with the identified purchaser profile. The purchaser profile may be generated based on purchase information associated with an initial purchase event by the purchaser. The profiler computing system determines whether products abandoned in online shopping carts are purchased at brick-and-mortar affiliates or other merchant forums. Other embodiments are described and claimed.

Abstract: Systems and methods discussed herein relate to an Open Payment Network that allows a plurality of retailers to provide goods and services to users of applications including e-wallets and allows the users to pay for purchases using currency including digital currency earned as credits, points, or other rewards as well as traditional bank-backed currency in the form of cash, credit, or debit. In addition, a user who has registered for the system through a profile or using an individual application or applications can query the system and obtain a quote to determine how much value currency from a variety of sources (e.g., applications) has towards the purchase of a particular good or service at a real or virtual retail location.

Abstract: A management system manages, for each of a plurality of users who use a social network service, account information, identification information associated with biological information, and a public key; sends, in accordance with an instruction related to money transfer to another user, a demand of authentication processing to the terminal of the user; receives, as a response to the demand, the identification information associated with the biological information and signature data created using a private key held in a storage unit having a tamper resistance in the terminal when the authentication processing using the biological information of the user succeeds; verifies, using the public key corresponding to the received identification information, the received signature data; and generates, based on a result of the verification, a message about the instruction.

Abstract: A system and method includes an authorization request message configured with information about transaction amounts of items aggregated according to item categories and applicable rates for the items in the respective categories. Based on the information provided in the authorization request, a transaction handler is configured to compute a modified transaction amount for the transaction by reducing the transaction amount of items in one or more of the categories, without reducing the transaction amount(s) of items in one or more other categories, and computing a total transaction amount based on the reduction and the applicable rates.

Abstract: The disclosed embodiments include methods and systems for providing a discount or reward at the point of sale. In one embodiment a system for providing a discount at the point of sale is disclosed. The system may be configured to receive transaction data relating to one or more purchase transactions and determine discount eligibility of the one or more purchase transactions. The system may also be configured to determine a discount amount based on the determined discount eligibility and the transaction data and apply the discount to the one or more purchase transactions. Further, the system may also be configured to display the applied discount to the user.

Abstract: The resent invention relates to a system for gathering and assembling information based on data received from one or several mobile terminals, the system comprising: one or several mobile terminals, and a central processing unit. The data at least relates to a position, environmental information and a tool used by a user of the mobile terminal for carrying out an activity and the central processing unit is configured to: process said data, assemble a unique information based on said data, said unique information comprising optimized data for carrying out said activity.

Abstract: A user interface for generating an ad creative for displaying a video advertisement on a mobile includes a control section and a preview section. The operator enters control parameters in the control section and previews the look-and-feel of a video advertisement as it will be played back on a target mobile platform, based on the control parameters. Control parameters include one or more of URLs for video, a web site visited after completion of the video and a web site visited when a user requests additional information.

Abstract: Methods and systems for conducting a secure transaction over a network using one or more gateway servers. The methods include receiving a request from a consumer, sending the request to a merchant, and receiving, from the merchant, a payment order associated with the request. The payment order is received via a merchant programmable user interface. The methods also include confirming the payment order to transform the payment order to a confirmed payment order, sending the confirmed payment order to a user, and receiving, from the user, a payment authorization associated with the confirmed payment order, and the payment authorization being received via a consumer programmable user interface. The payment authorization from the user includes a secure, encrypted, Internet Protocol (IP) message using encryption hashed with public and private key management. The methods also include performing a transaction in accordance with the payment authorization.

Abstract: An information processing device, including an acquiring unit that acquires collected speech and a process executing unit that performs a predetermined process on the basis of the acquired collected speech and a plurality of display objects in a first display range, the first display range includes a current display range.

Abstract: This disclosure describes a system for identifying users and/or their companions, utilizing the behavior and gestures of a user's companion to assist the user, and developing user paths based on user and/or companion preferences. A companion profile may be established to identify the companion and associated the companion with the user. Likewise, a user pattern that includes both the user and the companion may be established and used to track the location of the user and/or companion while in the materials handling facility.

Abstract: Systems and methods of providing composite search results are disclosed. A search query may be received by a general purpose search engine of a first website from a user. At least one general purpose search result may be determined based on the search query using the general purpose search engine. The at least one general purpose search result may be based on a search of multiple websites. Item listing information of an item listed for sale on a second website may be determined based on the search query. The at least one general purpose search result and the item listing information may be caused to be displayed concurrently on the first website to the user. The user may be enabled to interact with the second website regarding the item by interacting with the item listing information displayed on the first website.

Abstract: Vehicle sales management and video chat systems and methods use website listings that correspond to vehicles for sale at a dealership. A remote visitor clicks a “live video” button beside a desired vehicle, and schedules a time for a video chat, using their web browser. A dealership salesperson receives an alert, via a sales application running on on the salesperson's mobile device. At the scheduled time, a video chat window opens in the visitor's web browser with live audio/video of the desired vehicle from the dealership in real-time. The website visitor uses their web browser for live communication, in real-time, to the salesperson on their sales application. After the video chat, the website visitor can use their browser to download and save a recording of the video chat session.

Abstract: A merchandise sales data processing apparatus includes a code reading unit configured to read a code of a customer purchasing a merchandise, an electronic receipt issuing instruction unit configured to receive an instruction for issuing electronic receipt information associated with merchandise sales data, an electronic receipt generation unit configured to generate the electronic receipt information in correlation with the code of the customer when the instruction for issuing the electronic receipt information is received by the electronic receipt issuing instruction unit, a transmission unit configured to transmit a company code indicating a company and the electronic receipt information generated by the electronic receipt generation unit to an electronic receipt server, and a receipt printing unit configured to print a paper receipt associated with the merchandise sales data when the instruction for issuing the electronic receipt information is not received by the electronic receipt issuing instruction uni

Abstract: The present invention relates to a reusable physical financial instrument and a system and a method for enabling the financial instrument to perform multiple financial transactions. The financial instrument is capable of creating mixed reality experience when it comes in vicinity of the payor or payee device or ATM. Through the created mixed reality experience, the payor and the payee inputs payor-side and payee-side transaction and biometric data which are stored onto smart chip of the instrument and/or on Cloud Storage using cloud computing interface. The stored payor-side and payee-side transaction data are cross-validated and their biometric data is further verified against golden copy at the respective financial institutions or at the Central Authority's repositories for performing the financial transaction.

Abstract: A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. The invention enables the updating, correction or synchronization of transaction data maintained by an Issuer with that stored on the device. This is accomplished by using a wireless (cellular) network as a data communication channel for data provided by an Issuer to the mobile device, and is particularly advantageous in circumstances in which the contactless element is not presently capable of communication with a device reader or point of sale terminal that uses a near field communications mechanism. Data transferred between the mobile device and Issuer may be encrypted and decrypted to provide additional security and protect the data from being accessed by other users or applications.

Abstract: Method, system, and programs for providing content recommendation are disclosed. A first set of candidate content items may be generated based on a user profile, and a second set of candidate items may be generated based on the likelihood that the user will click a corresponding candidate content item in the second set. The candidate content items in the first and second sets may be ranked together using a learning model and presented to the user as content recommendations based on their rankings. The likelihood that the user will click a given candidate content item in the second set may be estimated based on similarities between the given content item and content items related to the given content item. Such a similarity may be computed based on activities performed by users who have viewed both the given content item and a related content item.

Abstract: A new investment-type of online game and/or software app that guarantees a payoff of $500.00 a month from a small, one-time initial investment and compliance of the rules. The payoff odds may increase incrementally the more one recruits others to play the game to provide consumers a new and exciting game that increases the opportunities for financial improvement in today's uncertain economy.

Abstract: Systems and methods are disclosed for generating consumer analytics for products placed in online shopping carts. A profiler computing system generates a unique tacking profile for associating purchase events by a purchaser. Payment vehicle data and a tracking element are associated with the identified purchaser profile. The purchaser profile may be generated based on purchase information associated with an initial purchase event by the purchaser. The profiler computing system determines whether products abandoned in online shopping carts are purchased at brick-and-mortar affiliates or other merchant forums. Other embodiments are described and claimed.