Abstract: Various embodiments of an apparatus, method(s), system(s) and a computer program product(s) described herein are directed to a Offer Engine. The Offer Engine extracts one or more features from data associated with a first user requesting access to a portion of content of a content corpus. The Offer Engine feeds at least one of the features of the first user into a decision tree. The decision tree has multiple levels, wherein at least one level comprises a plurality of leaves and each respective leaf implements at least one machine learning model. The Offer Engine determines whether to provide the first user with a subscription fee offer first option or a non-subscription fee offer second option based at least in part on output of the decision tree.

Abstract: A webpage editor which supports user editing of webpages of a website building system includes at least one processor and a unit running on the at least one processor. The webpages have visually isolated components and overlapped components and visually obscured components. The unit includes an input method handler, a visual editor and an editor overlap handler. The input method handler receives the user selected point or region of the webpage from an input device. The visual editor changes the view of the components proximal or interacting with a user selected point or region of a webpage, from a webpage view to a webpage editing view, the webpage editing view being one of 2D, 3D or side view. The editor overlap handler adjusts the visual characteristics of the components within the webpage editing view, according to component relationships and at least one of website information, user information, object properties or activation rules.

Abstract: A short-term authorized pass is disclosed. The method receives a request for a short-term authorized pass to be generated from a credit account of a first party and provided to a second party, the request includes an amount allocated to the short-term authorized pass. A sub-account is generated from the credit account by allocating a part of the credit account to form the sub-account. The credit limit on the sub-account is set to the amount identified by the first party, a virtual account number (VAN) is assigned to the sub-account, and the VAN of the sub-account is linked to the credit account. The short-term authorized pass is generated, using the VAN of the sub-account, and is provided to the second party. However, no funds are taken from the credit account of the first party until the short-term authorized pass is used.

Abstract: A computer-implemented method for real-time transaction fraud vetting, including: receiving a transaction record including real-time transaction data and a key identifying a transacting entity; matching the key to a plurality of profiles of the transacting entity, each of the plurality of profiles including a data attribute; accessing a datapoint for each of the plurality of profiles, each datapoint representing a standard for the corresponding data attribute computed from historical transaction records of the transacting entity; assessing whether deviation of the real-time transaction data from each datapoint exceeds a corresponding threshold; incrementing a transaction risk corresponding to the transaction record for each deviation from one of the datapoints that exceeds the corresponding threshold; outputting a fraud score based at least in part on the transaction risk; and updating at least one datapoint based on the corresponding real-time transaction data to generate an updated datapoint set for the plu

Abstract: The present invention generally relates to a system, method, and computer program for providing coupons and cash back in electronic commerce. Specifically, electronic coupon code(s) are tested against various retailer websites to ascertain the best combination and automatically applied into a user's cart during electronic checkout. Various embodiments of the present invention also provide the user-less tracking of an affiliate purchase in order to apportion user cash back without first requiring the creation of a user account.

Abstract: A travel system generates and provides content recommendations to a user of the travel system. The travel system identifies content categories that are likely to be of interest to the user of the travel system based on context characteristics of the user such as whether the user is a traveler or a local at a particular geographic location. Additionally, the travel system further identifies content objects (e.g., attractions, activities, events, restaurants, businesses, and the like) for each identified content category that are likely to be of interest to the user based on characteristics of each content object. The identified content categories and content objects are provided as content recommendations for display to a user of the travel system, enabling a user to quickly navigate between content categories and content objects within each content category.

Abstract: The present invention generally relates to a system, method, and computer program for providing coupons and cash back in electronic commerce. Specifically, electronic coupon code(s) are tested against various retailer websites to ascertain the best combination and automatically applied into a user's cart during electronic checkout. Various embodiments of the present invention also provide the user-less tracking of an affiliate purchase in order to apportion user cash back without first requiring the creation of a user account.

Abstract: Network site users can be selected to receive a communication based on a network site event, such as incomplete registration. A hybrid user interaction machine learning scheme can select a portion of the selected users based on user interaction estimates and network sampling data. The electronic document sent to the users can have portions that undergo two-pass ranking for ordering of content items to be included in the electronic document, such as an email.

Abstract: Systems, methods, and apparatuses for encouraging engagement with a rewards system are described herein. A customer associated with a customer device holds a rewards account with a provider associated with a provider computing system. The provider computing system receives rewards and payment card activity of the customer, analyzes the rewards and payment card activity, and generates a rewards engagement rating, which the provider uses to generate and transmit tailored rewards engagement messages to the customer device. The messages provide rewards earn and burn opportunities in which the customer can select to participate.

Abstract: Methods and apparatus related to determining and/or utilizing one or more attributes for an Internet Protocol (IP) address. In some of those implementations, the attributes may include a physical address associated with the IP address. Some implementations are directed to determining physical addresses for inclusion in a postal campaign based on computing devices having IP addresses associated with those physical addresses having retrieved content of one or more electronic resources (e.g., webpages) assigned to the campaign.

Abstract: Embodiments described include systems and methods for providing a preview for a link in a network application. A client application operating on a client device provides access to a network application. The client application includes an embedded browser for accessing the network application. The embedded browser displays a link within a user interface for the network application. When a user provides a user action on the link, a preview engine for the embedded browser detects the user action. The preview engine provides a preview of the link by rendering a preview in a preview region of the embedded browser.

Abstract: The invention relates to classic car restoration services systems and methods, and, more particularly to classic car restoration services interfacing systems and methods allowing classic car facilities and enthusiasts to document, represent to prospective buyers, acquire classic cars and to facilitate their restorations.

Abstract: A method performed by at least one computing device. The method includes receiving a credit request from a self-checkout device before a customer completes an instore checkout process and sending a request for a Uniform Resource Locator (“URL”) to one or more authentication computing devices. The authentication computing device(s) send the URL to the mobile device. The method includes sending a credit application to the mobile device after the customer selects the URL, receiving a submission of the credit application from the mobile device, approving credit based on the submission, and forwarding a code to the mobile device. The code indicates that the credit is to be used to complete the instore checkout process when scanned by the scanner.

Abstract: A computer-implemented method for determining alternative plans for a user may include: determining an event status of an event based on one or more parameters, wherein the event status comprises a target event indicator, wherein the one or more parameters comprise event population; obtaining event data of a target event; obtaining transactional data of the user, wherein the transactional data includes transaction time and transaction location; determining, via one or more processors, a likelihood of a potential transaction of the user associated with the target event by processing the transactional data and the event data using a trained machine learning model; and transmitting, to the user, a notification based on the determined likelihood of the potential transaction, wherein the notification includes a suggestion for alternative travel plans of the user.

Abstract: A data processing system for producing a subset of data from a plurality of data sources, including: memory storing a plurality of data sources to be represented in an editor interface; a data structure modification module that selects a plurality of data sources to be represented in an editor interface and generates a subset of data included in the plurality of data sources; memory that stores the selected data structures included in the subset, with at least one of the stored data structures including the one or more modified attributes of the one or more respective fields; rendering module that displays, in the editor interface, representations of the stored data structures; and a segmentation modules that segments a plurality of received data records.

Abstract: Techniques for transforming transaction data to subscription data using disparate computing platforms is described, including receiving an input configured to request data associated with a product, generating javascript used to render a web page including the data retrieved using a product identifier, invoking a controller script to request a widget file generated compositely to include an offer identifier, a session identifier, a merchant identifier, and the product identifier, calling a platform associated with the second server to determine whether a subscription is associated with the product identifier, and injecting the data, other data, and further data in a composite interface that is configured to simultaneously present a shopping cart with product content and subscription content.

Abstract: A computer-implemented method of using channel tuning data from a video asset viewing device connected to a network to measure video asset viewing at a second-by-second level during one or more user defined lead-in periods, and then correlating that with video asset viewing during a user defined target period, for the purpose of analyzing how viewing activity during the lead-in period(s) correlates with viewing activity during the target period, thus producing longitudinal viewing metrics; all while maintaining viewer anonymity. Additionally, viewing metrics can be categorized based on user defined demographic, geographic, and histogram groupings representing the percentage of video asset viewing with the result that the analyst is able to gain detailed insight into customer viewing behavior. The lead-in video asset may be any video asset or assets. The target may be any subsequent video asset. The metrics produced are useful to service providers, advertisers, and content producers.

Abstract: Methods and systems for providing a digital cart management system for use by customers within a retail location. In use, a customer shops within a retail location and adds items to a digital cart as the customer is adding the items to a physical cart, e.g., at least in part by voice input. When the customer is finished shopping, the customer can checkout via a digital process, thereby bypassing point of sale devices at the retail location.

Abstract: A method, computer system, and computer program product for petition creation through social analytics are provided. The embodiment may include generating a repository of user social data. The embodiment may also include extracting one or more social topics that are related to the user social data. The embodiment may further include generating a social supplication model using the repository and the extracted social topic. The embodiment may also include determining discussion issues within the social topic and a topic discussion distance between each user based on the generated social supplication model. The embodiment may further include generating a petition based on a determined discussion issue.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for determining a plurality of context-based subscription products in a ride-hailing platform are described. An exemplary method may include: determining a plurality of transportation contexts to which a plurality of context-based subscription products are applicable; obtaining a plurality of historical trip-requesting sessions between a plurality of riders and the ride-hailing platform, and a plurality of historical subscription products offered to the plurality of riders; constructing at least one key performance indicator (KPI) model that predicts a reward for the ride-hailing platform offering the plurality of context-based subscription products to the plurality of riders; constructing an optimization model to maximize a weighted sum of the at least one KPI model; and determining optimal values of the plurality of parameter vectors corresponding to the plurality of context-based subscription products.

Abstract: In one embodiment, a method includes identifying an equity reward offer to be provided to a user, wherein the equity reward offer corresponds to an amount of equity associated a merchant, and redemption of the equity reward offer causes the corresponding amount of equity to be added to an equity account of the user, updating a redemption status of the equity reward offer based on activity of the specified user on the payment service and a pre-condition of the equity reward offer, such as a purchase associated with the merchant, and upon determining that the pre-condition has been satisfied, sending, to the client device associated with the specified user, instructions to display a notification message indicating that the equity reward offer can be redeemed using the payment account of the user to cause the associated amount of equity to be added to the equity account of the user.

Abstract: A computer-implemented method for real-time transaction fraud vetting, including: receiving a transaction record including real-time transaction data and a key identifying a transacting entity; matching the key to a plurality of profiles of the transacting entity, each of the plurality of profiles including a data attribute; accessing a datapoint for each of the plurality of profiles, each datapoint representing a standard for the corresponding data attribute computed from historical transaction records of the transacting entity; assessing whether deviation of the real-time transaction data from each datapoint exceeds a corresponding threshold; incrementing a transaction risk corresponding to the transaction record for each deviation from one of the datapoints that exceeds the corresponding threshold; outputting a fraud score based at least in part on the transaction risk; and updating at least one datapoint based on the corresponding real-time transaction data to generate an updated datapoint set for the plu

Abstract: In an approach for recommending locations to visit at an optimal experience time and optimal spot to take a photo and/or a video of a location, a processor determines a geographic location where a user is located. A processor identifies a plurality of targeted locations within a pre-defined distance of the geographic location of the user. A processor determines an optimal time to visit the plurality of targeted locations. A processor determines an optimal weather condition to experience the plurality of targeted locations. A processor determines an optimal spot to capture at least one of a photo and a video of the plurality of targeted locations. A processor assigns a ranking to the plurality of targeted locations based on a set of factors in a user profile of the user. A processor outputs a recommendation with at least one of the plurality of targeted locations as an alert notification.

Abstract: A marketing support system includes an acquisition unit acquiring questionnaire information including a response result of a questionnaire and an attribute of a respondent of the questionnaire, the questionnaire conducted to consumers in a product and service field to which a marketing target belongs, regarding recognition, usage experience and frequency of use of a brand belonging to the field, an assignment unit for assigning the respondent to any one of a plurality of segments set in advance based on the response result, an aggregation unit configured to estimate the number of consumers and the ratio of the number of consumers with respect to all the segments based on the number of respondents assigned to each of the plurality of segments, and an output unit configured to display a policy for respective consumers of the plurality of segments and information on costs for the policy for comparison among different segments.

Abstract: A system, method and program product for analyzing product preferences and providing trend analysis for a gathering of individuals at an event. An infrastructure is disclosed having a system for setting up and managing an event; a system for registering users physically attending the event; a system for registering items associated with the users and storing event-user-item (EUI) information in an EUI database; and an analysis system for analyzing EUI information to provide item preferences and trend analysis.

Abstract: A network includes a platform provider having a centralized operating environment including a combination of hardware, software, and a communication device configured to receive information from a plurality of enterprise networks each configured to independently communicate information to the platform provider. The information includes customer information, device information, requested enrollment or application information, requested transaction information, completed enrollment or application information, or completed transaction information, or a combination thereof. The platform provider is configured to validate and record the information in a secure ledger.

Abstract: A method, apparatus and computer program product are provided for generation of analytic data. An example embodiment includes a method for identifying trending items based on electronically generated velocity metrics derived from transaction data.

Abstract: A method includes receiving a request from a customer to open a subscription account, creating the subscription account for the customer, and deducting a fee from the subscription account. The fee is structured to subsidize benefit fees associated with benefits for the customer. The method includes determining a benefit for the customer. The benefit is offered by a third-party vendor in exchange for an associated fee. The method includes reimbursing the subscription account for the customer in an amount of the fee associated with the benefit. The method includes gathering financial information associated with the customer, analyzing the financial information to identify positive financial behavior of the customer, invoking a graphical depiction executable via a user interface on a device associated with the customer, determining that the positive financial behavior meets a threshold, and offering the customer a reward based on the positive financial behavior meeting the threshold.

Abstract: Network site users can be selected to receive a communication based on a network site event, such as incomplete registration. A hybrid user interaction machine learning scheme can select a portion of the selected users based on user interaction estimates and network sampling data. The electronic document sent to the users can have portions that undergo two-pass ranking for ordering of content items to be included in the electronic document, such as an email.

Abstract: Water conservation through behavior modification is achieved by guiding a user of an App through a quiz interface illustrating facts about water usage, a simulation providing a simulated water conservation experience, a commitment interface inviting the user to save water, a social good interface to provide the user a good feeling about saving water and a personal water usage tracking system to help the user understand their progress toward water conservation.

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: Embodiments include apparatuses, methods, and systems for segmenting a target region for a target user based on payment transactions within a payment processing system. The embodiments include identifying a target user from users based on payment transaction data, and determining target regions for the target user based on the payment transaction data of the target user and users. The target user may have a propensity for initiating transaction activity in the target regions within a predetermined time period. The embodiments include generating propensity scores for the target regions based on the payment transaction data, identifying a target region for the target user based on the propensity scores, and transmitting merchant offers to the target user based on the identified target region. The propensity scores may be ranked into a list of target region rankings, where the target region is a maximum score in the list of target region rankings.

Abstract: At least one aspect is directed to determining an estimate of an intersection of user identifiers in a first set of user identifiers and a second set of user identifiers. The first and second sets of user identifiers can be populated with user identifiers that have interacted with the same content item or content item campaign. Estimates of intersections of the first and the second sets can be determined based on a binomial vector approach, a vector of counts approach, or a hybrid approach. The binomial vector approach generates vectors based on k hashes of each user identifier in the first set and summing the vectors to generate a first vector. The intersection can be determined based on a dot product of the first vector and a second vector similarly generated from the second set of user identifiers.

Abstract: Systems and methods are disclosed for displaying information related to items in a store. Stock keeping unit (SKU) information for items in the store and combination information indicating which SKUs were sold together can be accepted. Dimension information and structure information for a neural network can be defined. The neural network can be trained using the combination information indicating which SKUs were sold together in a same combination to calculate weight values and bias values for the neural network.

Abstract: A method is provided that includes receiving, in a server, a request from a service provider, the request including a consumer identification code associated with a consumer, and obtaining a personalized list of universal product codes based on the consumer identification code and a purchase history log in a database. The method also includes providing the personalized list of universal product codes to the service provider, and receiving a tracking pixel indicative that the consumer has interacted with a consumer payload, wherein the consumer payload is associated with at least one product from the personalized list of universal product codes. A system and a non-transitory, computer-readable medium storing instructions which cause the system to perform the above method are also disclosed.

Abstract: Techniques and arrangements for generating, distributing and managing promotion campaigns are described. A promotion server may generate the promotion campaigns based on input from a merchant. The input may include a request to generate the promotion campaign, a merchant preference, or other information shared between the merchant and the promotion server. The promotion campaign may include promotions, such as coupons, discounts, or the like, to encourage transactions with a merchant. The promotions may be generated based on merchant specified criteria, a merchant transaction history, customer preferences, a customer transaction history, and/or other information processed by the promotion server. The promotions of the promotion campaign may be distributed via one or more channels, such as electronic mail, web site publication, receipts, etc.

Abstract: Systems and methods are provided for providing a customized user experience. Providing a customized user experience may include receiving, from a graphical user interface displayed on a mobile device a user input indicative of a preferred level of interaction by the user, and monitoring, by a sensor, a facial expression of the user. Then, a first preference metric may be assigned to the user based on the monitored facial expression. Providing a customized user experience may further include monitoring, by a sensor, a behavior of the user, assigning a second preference metric based on the monitored behavior, and aggregating at least the user input, the first preference unit, and the second preference metric to generate a preference score of the user. The preference score may be stored in a central database, displayed on a remote device, and used to modify a customer service experience.

Abstract: A system and method for linking observed human activity on video to a user account of a preferred embodiment that includes: through a computer vision monitoring system, detecting and tracking a human as a computer vision modeled person within an environment, the computer vision monitoring system being part of a computing platform managing a user interaction experience; through at least one associative mechanism, establishing an association between the computer vision modeled person and at least one associative element and thereby associating the computer vision modeled person and a user-record linked through the associative element; and directing the user interaction experience at least in part based on the combination of the modeled person and at least the user-record.

Abstract: An online concierge system accesses an order history database, which describes historical orders for a plurality of users. Each historical order comprises a list of items selected by a user from a plurality of items. The online concierge system determines user streaks, each user streak based on a number of consecutive orders placed by a user that include a particular item. The online concierge system calculates an overall streak distribution based on the user streaks. For each item of at least a subset of the plurality of items, the online concierge system calculates a streak statistic based on a corresponding subset of user streaks and the overall streak distribution. The online concierge system selects a set of staples items for a user based on the streak statistics for the set of staple items and generates a display for the user with a selectable list of the set of staple items.

Abstract: A data management platform server that organizes and transforms data in a 3-tier data structure. The server comprises an application stored in a memory that transforms data into profiles. The application stores the profiles to a profile data store. The application selects a first profile subset from the profiles based on a first criterion. The application selects a second profile subset form the profiles based on a second criterion, where at least some of the profiles in the first profile subset are not in the second profile subset and wherein at least some of the profiles in the second profile subset are not in the first profile subset. The application stores the first profile subset and the second profile subset to a profile data store. The application receives a request from an ad gateway for the first profile subset and transmits the first profile subset to the ad gateway.

Abstract: A usage frequency attribute is determined for each biometric feature in a biometric feature database. The usage frequency attribute indicates a matching success frequency of matching the biometric feature to a user having the biometric feature. The biometric features of the user are sorted in descending order of the usage frequency attribute. The sorting is based on a descending order of the usage frequency attributes for a given user. The biometric features in the biometric feature database are stored in descending order. The storing includes providing prioritized access to the biometric feature having a highest value of the usage frequency attribute so that the biometric feature is selected first in response to a request for the biometric feature of the user.

Abstract: The disclosure describes, in part, techniques for performing pre-authorization during a transaction between a merchant a customer. For instance, a payment service may receive, from a merchant device, payment information of a payment instrument that is used to satisfy a cost of a first item. The payment service may then send an authorization request to a card payment network to hold a first amount of funds based on previous purchase activity. The payment service may further send the merchant device information associated with the customer. Next, the payment service may receive an indication that the customer requests to purchase a second item. In response, the payment service may send a request to the card payment network to capture a second amount of funds that is based on the cost of the first item and a cost of the second item. In response, the payment service may receive approval from the card payment network.

Abstract: A voice-based digital promotion system may include an intelligent personal assistant. The voice-based digital promotion system may also include a remote sever configured to receive a request for a digital promotion from a given user via the intelligent personal assistant and determine a corresponding retailer loyalty program associated with the given user. The remote server may also be configured to determine at least one digital promotion for the given user based upon the retailer loyalty program, and communicate the at least one digital promotion to the given user via the intelligent personal assistant.

Abstract: A computing device may include a memory configured to store instructions and a processor configured to execute the instructions to receive a selection of a content catalog item or a search query from a user; generate an input vector based on the selected content catalog item or the search query; and map the generated input vector onto one or more points on a self-organizing map associated with the user. The processor may be further configured to select a set of points within a particular distance of the one or more points; reverse map the selected set of points to a plurality of content catalog items using the self-organizing map associated with the user; and present one or more of the plurality of content catalog items to the user as recommended content catalog items for the user.

Abstract: Systems, methods, and apparatuses for encouraging engagement with a rewards system are described herein. A customer associated with a customer device holds a rewards account with a provider associated with a provider computing system. The provider computing system receives rewards and payment card activity of the customer, analyzes the rewards and payment card activity, and generates a rewards engagement rating, which the provider uses to generate and transmit tailored rewards engagement messages to the customer device. The messages provide rewards earn and burn opportunities in which the customer can select to participate.

Abstract: A method of triggering an event based on occurrence of a POS transaction is provided in which an event processing server receives from a first user device associated with a first account, a first event triggering request. The request includes identification of a desired event to be triggered and first triggering criteria. The desired event is to be initiated by the event processing server upon occurrence of one or more POS transactions collectively meeting the first triggering criteria. The event processing server receives, from a transaction processing server, notification of an occurrence of a merchant POS transaction associated with the first account. The event processing server determines whether the occurrence of the merchant POS transaction results in the first triggering criteria having been met, and, if so initiates the desired event.

Abstract: A system includes one or more processors configured to receive a unique customer identifier that is generated by a computer of a referring vendor. The unique customer identifier associates a customer with a product purchased by the customer and covered by a referral agreement. The one or more processors distribute promotional material of a referral receiving vendor to the customer associated with the unique customer identifier. The promotional material incorporates the unique customer identifier. The system includes a computer of the referral receiving vendor that receives one or both of the promotional material or the unique customer identifier from the customer at a point of sale with the referral receiving vendor. Upon validating the unique customer identifier, the computer of the referral receiving vendor is configured to discount a purchase price of one or more items according to a predetermined discount rate in the promotional material.

Abstract: Systems and methods are disclosed for dynamically providing content to a user. The disclosed embodiments include generating a recommendation matrix based on event data received from a client. In certain embodiments, the client may be configured to generate event data associated with the client or a user associated with the client. The disclosed embodiments may also include generating an offer score matrix based on the recommendation matrix and the event data. In certain aspects, the offer score matrix may include score values associated with a set of offers to be provided to the user. The disclosed embodiments may identify a first offer from the set of offers based on the score values for the offers and provide an identification of the first offer. The disclosed embodiments may also receive content associated with the first offer for display on the client.

Abstract: A recalled item notification system may include a retailer server configured to operate a virtual shopping cart for products to be purchased by a purchaser. Each product may have an associated product identifier. The system may also include a recalled item server configured to, when a product for purchase is in the virtual shopping cart, obtain the associated product identifier for the product and determine if the product is subject to a recall based upon the product identifier. When it is determined that the product is subject to a recall, the recalled item server is configured to communicate with the retailer server to remove the product from the virtual shopping cart, and generate a notification that the product is subject to the recall and that the product has been removed from the virtual shopping cart.

Abstract: The Next Best Action (NBA) management system and method is a real time decision solution usable in multiple industries, including Telco industry. The NBA system identify offers for call agents to pitch to customers, calculate and allow call center organizations and agents to view performance analytics, including an Inbound Campaign Agent Performance Index (ICAPI) for each agent. The NBA system uses usage oriented key performance indicators (KPIs) and sales oriented KPIs to add a weighted portion of the usage oriented KPIs and the sales oriented KPIs to calculate the ICAPI for each agent.