Abstract: A wearable apparatus and method are provided for executing actions based on triggers identified in an environment of a user. In one implementation, a wearable apparatus for storing information related to objects identified in an environment of a user is provided. The wearable apparatus includes a wearable image sensor configured to capture a plurality of images from the environment of the user and at least one processing device. The processing device may be programmed to process the plurality of images to detect an object entering a receptacle, process at least one of the plurality of images that includes the object to determine at least a type of the object, and based on the type of the object, generate information related to an action to be taken related to the object.

Abstract: A system that may be utilized for sending and locking text messages is provided. The system may allow a user to send an electronic message that is encrypted, locked, hidden, or otherwise made unviewable by the system to form a locked message. The locked message may be formed by associating a game with the message and requiring that a recipient play the game and satisfy an objective of the game before the message is “unlocked” or made viewable and displayed for the recipient. The locked messages may be sent to multiple recipients or to groups and may provide opportunities for competitive or cooperative play between recipients. Promotions, coupons, incentives, coupons, and marketing materials may be sent as locked messages and require or incentivize engagement by recipients.

Abstract: A system for providing an online advertising platform includes a first non-transitory machine-readable medium storing instructions executable by one or more data processors to group impression inventory units based at least in part on performance characteristics of the impression inventory units.

Abstract: Various approaches discussed herein enable augmenting an image of a person wearing an article of clothing to provide an augmented reality (i.e., virtual) article of clothing to a viewer in order to overlay, replace, and/or augment an actual article of clothing being worn by the user. The augmented reality article of clothing is positioned on the user's real-world piece of clothing according to various markings and/or data that allow the augmented reality article of clothing to appear as if it were being worn by the user, even during movement of the user.

Abstract: Embodiments of the present disclosure relate generally to generating, conducting, and reporting digital surveys utilizing augmented reality devices and/or virtual reality devices. In particular, in one or more embodiments, the disclosed systems and methods assist administrators in generating digital surveys utilizing interactive virtual environments via a virtual reality device and/or augmented reality elements via an augmented reality device. Similarly, the disclosed systems and methods can provide digital surveys via augmented reality devices and/or virtual reality devices, for instance, by monitoring user interactions via the augmented reality and/or virtual reality devices and providing digital surveys based on the monitored user interactions. Furthermore, the disclosed systems and methods can present survey results and allow administrators to interact with survey results utilizing augmented reality devices and/or virtual reality devices.

Abstract: Methods described herein include prefetching information for a future visitor to a webpage or other resource. Prefetching the information can allow a provider to customize the webpage or resource with reduced latency. The methods can include notifying an experience provider associated with an advertisement prior to the user requesting the webpage or other resource. The notification can provide identification information corresponding to the client device or user. The notification also indicates that the client device or au user is about to be directed to the webpage or other resource. The notification can allow for retrieval of profile information associated with the identification information prior to the direction of the client device to the webpage or other resource.

Abstract: Described herein are apparatuses, systems and methods for predicting audience measurements of a television program. A method comprises inputting a target program for acquisition into a prediction model, wherein the prediction model is based on a plurality of television acquisition performance predictors, and generating a recommendation as to whether the target program should be acquired based on the prediction model and the plurality of television acquisition performance predictors.

Abstract: A system and method for providing financial account messages to customers while accessing web sites is disclosed. Methods, systems and articles of manufacture consistent with the present invention enable a financial account issuer to provide an application to customer's computer system over a network. The application may be configured to provide various messages associated with the customer's financial account provided by the financial account issuer while the customer browses web sites. The financial account messages may be configured to provide interactive and dynamically changing account status information based on attempted purchases of goods and/or services by the customer at merchants' web sites. The application may also be configured to provide rating information associated with web sites accessed by the customer.

Abstract: Embodiments are described for a system and method for providing a list of current offers from retailers to a user operating a mobile client device. Aspects of the method comprise analyzing a transaction history of the user to identify a vendor who has transacted with the user; determining a present geographic location of the user based on a location of the mobile client device; determining a location of the vendor proximate the user based on the transaction history and the present geographic location of the user; searching for a current promotion offered by the vendor; and facilitating the serving of the current promotion to the user through the mobile client device.

Abstract: Methods, systems, and computer readable media for utilizing payment card transaction data to conduct product price comparisons are disclosed. In one example, the method includes receiving product selection information associated with a designated product from a user selection device and receiving geographic location information associated with the user selection device. The method also utilizing the product selection information and the geographic location information to identify merchant entities that have conducted sales transactions of the designated product within an area specified by the geographic location information and providing, to the user selection device, merchant comparison data that includes the identified merchant entities and the sales transaction prices of the designated product.

Abstract: The disclosure includes a system and method for processing a click at a user interface. A method includes partitioning, based on historical data, an offer component associated with additional online content to include a first region and a second region. A method further includes transmitting the offer component to the user interface for display. A method further includes receiving a first user interaction with the offer component. A method further includes determining the received user interaction is within the second region of the offer component. A method further includes presenting, responsive to receiving the second user interaction, a user prompt for a confirmation of the interaction. A method further includes receiving a second user interaction. A method further includes determining the second user interaction is indicative of confirmation of the interaction.

Abstract: Systems and methods are disclosed for communicating product or service information to a potential purchaser. A product or item describing a service are scanned to obtain both a product or service code and an advertisement promotion code provided by a vendor/retailer or manufacturer of the product or service using a smartphone of a first user. A barcode is generated on the smartphone by combining the product or service code and the advertisement promotion code with information from the smartphone associated with the product or service and with an advertiser code that uniquely identifies the first user. The barcode is communicated to a communication device of a second user that is the potential purchaser of the product or service. When the communication device is presented to a point of sale (POS) terminal, the terminal scans the barcode, decodes the barcode, and compensates the first user according to the advertisement promotion code.

Abstract: One aspect of the disclosure relates to implementing a refund calculator in an online game. The refund calculator may provide the ability to prioritize what users may receive items, troops, and/or any other in-game parameters. The refund calculator may provide the ability to determine how many items and/or troops the user may be refunded, the time frame in which the user receives the items, troops and/or other aspects of a refund.

Abstract: Systems and methods for managing concurrent secure elements on a mobile device to coordinate with an application or “app” running on the mobile device and an appropriate communications protocol for conducting transactions using the mobile device include: informing, by the processor, the reader device of a preferred app and a communication protocol usable by the preferred app; receiving, by the processor, information about which apps and communication protocols are supported by a reader for processing a transaction; locating, by the processor, a secure element supporting an app and a communication protocol supported by the reader; channeling the communication protocol for the specific configuration of the app and the supporting secure element; activating the secure element that supports the app; and processing, with the activated secure element, using the supported app and communication channel, the transaction with the reader.

Abstract: The present invention provides methods and systems for incorporating user information such as a user's errands, tasks, and/or online behavior in determining a preferred route between an origin and a destination using a web map planning service. Potential advertisers can use the user information to target particular users who are traveling near a particular route to give users various options to optimize their travel plans.

Abstract: Systems and methods are provided for augmented reality payments. An augmented reality display may include product information and/or payment information images displayed over an image of one or more real world background objects. The augmented reality display may be displayed on a display of a mobile user device such as a smartphone or tablet or on a structure of a vehicle such as a vehicle windshield. The real world background objects may include a merchant store. The product information and/or the payment information may be overlaid on the merchant store as viewed through a vehicle windshield or as viewed in an image of the merchant store captured by a camera of the user device. The user may be provided with the ability to select one or more items for purchase, make one or more payments, or execute other transactions by interacting with the augmented reality display.

Abstract: The present disclosure includes a system, method, and article of manufacture for targeting ad impressions. A list of customer records may be transmitted to a service provider system that identifies a matched customer and installs a cookie on a web client associated with the matched customer. The system may further receive a campaign request from a merchant and transmit the campaign request to the service provider system which may add a flag to the cookie based on the campaign request as well as instruct a media buyer system to bid on an ad impression for the matched customer based on the flag. The system may further receive an expenditure associated with the matched customer who received the ad impression and compare the expenditure to an expenditure associated with a customer who did not receive targeted ad impression but fits parameters associated with the campaign request.

Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.

Abstract: Methods, systems, and apparatus for modifying the presentation of content item are described. In one aspect, a method includes receiving a request for supplemental content to be presented with a publication requested by a user of a client system, wherein the supplemental content comprises a body of text having a plurality of terms; in response to receiving the request, identifying one or more terms of the plurality of terms that are likely to be of interest to the user of the client system; and modifying the supplemental content to cause the one or more identified terms to appear in a presentation style that differs in appearance from other terms of the plurality of terms in the supplemental content.

Abstract: Systems and articles of manufacture for enabling access to user-specified and/or user-chosen content via remote third-party systems include communicating with a content provider via use of one or more user credentials, wherein the content provider maintains a list of user content choices and one or more preferences for content, wherein the content is generated by the user and/or by the content provider and/or by one or more other users, automatically downloading an amount of user-specified and/or user-chosen content from the list of user content choices and one or more preferences to a primary enterprise system and/or a secondary enterprise system in conjunction with an interaction between the user and the primary enterprise system, and providing access to the downloaded user-specified and/or user-chosen content to the user in conjunction with an interaction between the user and the secondary enterprise system, the content provider and/or the primary enterprise system.

Abstract: A system and method that determines multiple linear groups of horizontally placed items in an image is disclosed. The method includes receiving an image including a portion of a shelving unit, identifying a plurality of items in the image, determining a plurality of facings, clustering the plurality of facings, merging a plurality of clusters and determining a list of linear groups in the image.

Abstract: Pursuant to some embodiments, systems, methods, apparatus and computer program code for creating and administering virtual affinity groups are provided. Pursuant to some embodiments, a computer implemented processing method is provided which includes receiving, at an insurance processing platform, information identifying at least a first characteristic of a virtual affinity group, receiving, at the insurance processing platform, information identifying at least a first feature of the virtual affinity group and at least a first insurance related benefit to be offered to the virtual affinity group, automatically identifying at least a first individual matching the at least first characteristic, and communicating to the at least first individual information allowing the at least first individual to participate in the virtual affinity group.

Abstract: The invention is directed to a method and system for providing an interface including modular customizable elements for implementation by a system user. The method and system have particular application for financial accounts, such as credit card accounts. The interface may adapt in response to user behaviors. However, the user may also customize features of the interface. Thus, a behavioral monitoring and analysis system is provided for monitoring account holder spending behaviors and analyzing the spending behaviors. Account holder customization tools may be presented to the account holders through a user interface, the account holder customization tools allowing account holders to modify a user interface display of account related parameters by inputting parameters into a computing system. An experience customization engine may be implemented by a processor for receiving input from both the behavioral monitoring and analysis system and the account holder customization tools.

Abstract: The present disclosure includes a system, method, and article of manufacture for aggregating a consumer profile, identifying tailored content (e.g., in response to a trigger event and/or based upon a consumer profile), and/or tailoring a digital destination. For example, the systems may receive direct data indicating an interest in receiving specific content, aggregate that data into a consumer profile, compare the consumer profile to content, and/or identify tailored content based upon the comparison. Further, the systems may communicate the tailored content to a web client associated with a consumer, receive a transaction request from a web client, and/or receive bids associated with tailored content. In addition, these systems may prioritize tailored content comprising a plurality of tailored offers and/or forecast a budget for an upcoming experience.

Abstract: Systems and methods are provided for linking a customer's preexisting financial account to a merchant issued payment vehicle. If an account number associated with the preexisting financial account changes, the linking of the merchant issued payment vehicle is updated with an updated account number.

Abstract: A point storage unit stores points, which are imparted to the user in an electronic commerce, in association with user identification information. A link request receiving unit receives a link request for linking user identification information and membership card identification information for identifying a membership card for receiving points imparted at an actual shop. In a case where the link request is received, a link information storage unit stores link information indicating a link between the user identification information and the membership card identification information. In a case where a point use request with a designation of the membership card identification information is received, a use permission unit permits use of the points stored in association with the user identification information linked to the membership card identification information.

Abstract: Techniques for providing a recommendation for an item may be provided. In particular, a system can provide a recommendation for one or more items based at least in part on how easily a system can fulfill the recommended item. The ease of fulfillment may be affected by one or more items selected or selected by the user, so that when two potential items can be recommended for the user, the item that is easier to provide to the user with the selected item can receive a better recommendation by the system (e.g., through a ranked or scored recommendation list, by limiting the recommended items provided to a user).

Abstract: A method includes receiving, at a user identification module of an electronic receipt system in electronic communication with a point of sale terminal, a user identifier transmitted from a mobile communication device to a near-field communication enabled communication device associated with the point of sale terminal. The method also includes verifying, by a validation module of the electronic receipt system, an enrollment status of the user identifier; and based on results of the verifying, transmitting, by a transfer module of the electronic receipt system, the user identifier and data characterizing an electronic receipt to a receipt storage module of the electronic receipt system.

Abstract: The present disclosure describes techniques for projecting person-level viewership from household-level tuning events. One example method includes accessing tuning data representing television tuning events associated with particular households; accessing panelist viewing data representing television viewing events associated with panelists; and for at least one tuning event represented by the tuning data: accessing household member data associated with the tuning event; determining a member minutes value associated with each individual member of the particular household for the tuning event; and determining a fractional viewership value for each individual member of the particular household associated with the tuning event.

Abstract: Various systems and methods for tracking and analyzing emotional engagement of people while shopping are described herein. A system for tracking and analyzing emotional engagement of people while shopping includes an image processing module to: access image data from an electronic data storage, the image data including a person in a retail environment; and detect the person in the image data; an emotion detection module to determine an emotion expressed by the person; an object detection module to determine an object with which the person is interacting; and a marketing module to: select a sales action based on the emotion and the object; and execute the sales action.

Abstract: A method for grouping network service users includes acquiring attribute and/or behavior data of multiple users within a current period, and converting the attribute and/or behavior data into standardized data; determining multiple group central points according to the standardized data, and placing the standardized data in a group where a group central point having a shortest distance is located; determining group features of groups according to standardized data in the groups; and separately pushing corresponding service push information to users in the groups according to the group features of the groups. In addition, an apparatus for grouping network service users is further described.

Abstract: Methods, systems, and articles of manufacture for generating a multi-dimensional social network identifier are provided herein. A method includes capturing one or more items of web information pertaining to past activity associated with a given individual; determining one or more user metrics associated with the given individual based on the one or more items of web information; quantifying a measure of similarity of the one or more user metrics associated with the given individual and the one or more user metrics associated with one or more additional individuals; and generating an identifier for the given individual based on the measure of similarity, and wherein said identifier differs from identification information attributable to the given individual on a social network.

Abstract: A head mounted display which allows a user to visually recognize a virtual image, includes an image display unit that enables the user to visually recognize the virtual image, a display processing unit that causes the image display unit to form the virtual image indicating a plurality of images used to operate the head mounted display and a background image, and a motion detection unit that detects a motion of the head of the user. The display processing unit changes the background image according to a motion of the head of the user.

Abstract: Systems and methods are disclosed for communicating product or service information to a potential purchaser. A product or item describing a service are scanned to obtain both a product or service code and an advertisement promotion code provided by a vendor/retailer or manufacturer of the product or service using a smartphone of a first user. A barcode is generated on the smartphone by combining the product or service code and the advertisement promotion code with information from the smartphone associated with the product or service and with an advertiser code that uniquely identifies the first user. The barcode is communicated to a communication device of a second user that is the potential purchaser of the product or service. When the communication device is presented to a point of sale (POS) terminal, the terminal scans the barcode, decodes the barcode, and compensates the first user according to the advertisement promotion code.

Abstract: A service provider may receive transaction information from a plurality of merchant devices for a plurality of point of sale transactions conducted between buyers and merchants. The service provider can associate the transaction information with respective buyer profiles of a plurality of buyer profiles. In some examples, the service provider may determine a subset of the buyer profiles based on at least a portion of the buyer profiles in the subset including transaction information that is related to a particular one of the merchants. The service provider may further determine at least one characteristic associated with at least some of the buyer profiles in the subset, and may send a recommendation to the particular merchant related to the at least one characteristic. As an example, the recommendation may be for improving or optimizing the business of the particular merchant.

Abstract: A method for establishing a group of individuals as a single contact entity eligible for contact services within a contact center includes the steps (a) identifying a group and each group member according to existing group rules and member profiles; (b) identifying and quantifying the unifying aspects of the members in the group; (c) aggregating the contact information for each group member relative to communications channels common to the group members and to the contact center; and (d) establishing one or more temporary and or permanent group channels between the contact center and the group members.

Abstract: A method is disclosed for providing promotional content to be printed on a media. The method is performed by a server in a network. A printer is registered and one or more promotional settings are configured for the registered printer. A print request is received from a client device. In response to the receiving the print request, one or more promotional content items are retrieved based on the print request and the one or more promotional settings for the registered printer.

Abstract: Embodiments of methods and systems for dynamic messaging are disclosed. A lookup request may be received for a customer. A plurality of eligible campaigns may be determined for the customer. An eligible campaign of the plurality of eligible campaigns may include an available offer for the customer. The available offer may be represented by a compressed filter. The customer may match the compressed filter of the available offer of the plurality of eligible campaigns. The available offer of a campaign may be selected from the plurality of eligible campaigns based on metadata of the plurality of eligible campaigns and campaign history data of the customer. A message associated with the selected offer may be provided. The message may be capable of being presented to the customer.

Abstract: The present disclosure identifies and/or delivers tailored content based upon a service dialog. For example, the systems may receive a request for tailored content, facilitate a service dialog to obtain information related to the request, and communicate a plurality of tailored content based upon the information related to the request. Further, the systems may identify tailored content based upon a consumer profile, communicate the tailored content to a web client, and/or receive a selection of the tailored content. Further still, the systems may modify a magazine (e.g., content that is presented electronically) based upon tailored content.

Abstract: A method, system and program product comprise processing a sender's inputted text message. The text message is combined with a selected avatar representing the sender. The avatar is combined with a selected state of mind. The selected state of mind is modified with a selected intensity. At least the text message and the combined avatar are ordered into a scene of a sender's message in an order specified by the sender. The sender's message is transmitted to a receiver's device where the sender's message is operable to be viewed by the receiver in the order specified by the sender.

Abstract: Delivery of content such as advertisements to audience members. Profile data is collected regarding audience members to whom advertisements may be delivered, such that a given audience member has an established profile data. Upon receiving a request to serve an advertisement to an audience member, a recognition that the target of the request is the given audience member is made. Then it is determined that a particular advertisement should be served to the given audience member. The determination includes recognition of the given audience member and corresponding selection advertisements optimized for the recognized audience member. A configurable delivery decision making mode allows pre-optimized as well as delivery time factoring for determining advertisements. Performance criteria and revenue allocation based upon data provider participation are also provided.

Abstract: An apparatus, computer-readable medium, and computer-implemented method for efficiently performing operations on distinct data values, including receiving a query directed to a column of data, the query defining one or more group sets for grouping the data retrieved in response to the query, and for each of the one or more group sets, generating one or more entity map vectors, the length of each entity map vector being equal to the number of unique data values in a domain which corresponds to the column of data, the position of each bit in the entity map vector corresponding to the lexical position of a corresponding unique data value in a lexically ordered list of the unique data values, and the value of each bit in the entity map vector indicating the presence or absence of the corresponding unique data value in the group set.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for determining, for each of a plurality of resource requests for a resource that includes first content, whether a supplemental content event has occurred. The occurrence of the supplemental content event indicates that supplemental content will likely be served to a user device after the resource is served to the user device. For each resource request for which the supplemental content event has occurred, the resource is served with a defined supplemental content environment in which the supplemental content is to be displayed, the supplemental content environment being of dimensions that accommodate display of the supplemental content without adjustment of display of the first content upon the user device rendering the resource. For each resource request for which the supplemental content event has not occurred, the resource is served without the defined supplemental content environment.

Abstract: A method and apparatus for providing labelling information to a third party regarding terminal users in a communication network. A labelling unit receives communication related data generated from executed communications of the terminal users, and fetches stored labelling rules which have been configured specifically for the third party. The labelling unit then converts the communication related data into labelling information, where a communication habits vector is determined by applying the fetched labelling rules on the received communication related data, and the labelling information is determined for the terminal user(s) based on the resulting communication habits vector. The determined labelling information is finally delivered to the third party.

Abstract: Computerized decision-making systems and methods are described for determining whether to provide one or more rewards, such as a coupon or instant discount, to a customer requesting to make a merchandise return at a store, and, if so, to determine the terms of the reward, such as value, expiration date/time and other terms that may be associated with a coupon. The reward determinations may be implemented in conjunction with a system for authorizing the requested merchandise return transaction. Information about the requested return may be used together with data about the customer's past purchase, return transactions, and other customer-related data. In some embodiments, the determinations are based, at least in part, on store-related information and policies. The reward may be printed with a receipt issued to the customer at the point of return and/or may be provided to the customer using a wide variety of other communications technologies.

Abstract: Methods and systems that record the location of a user and transmit targeted content to a user based upon their current and past location information. A network is configured to include a server programmed with a database of targeted content, a database of location information, a database of user information, a database searching algorithm, and a wireless communication system capable of communicating with the user's mobile device. The location of the mobile device is ascertained and recorded. The location information is analyzed to determine the routes taken by the user, businesses visited by the user, and other behaviors of the user. Targeted content is sent to the mobile device of the user or exposure to physical content is tracked. Whether the user visits the physical locations associated with the content is monitored. Detailed conversion tracking is provided to producers of targeted content and business owners.

Abstract: Embodiments described herein provide approaches for integrating and searching electronic communications received from a plurality of different communication platforms. Specifically, a consolidated communication/messaging platform integrates and consolidates bi-directional communications/messages from individuals, groups, or other entities from various channels (e.g., text messaging, instant messaging, social networking platforms, e-mail, and the like), and enables end users to search and locate content or substance of a specific communication via a user interface and locally stored repository.

Abstract: Credit applicants may apply for instant credit, and use an instant account number (“IAN”) to make purchases after the instant credit has been granted. Fraud control methods may be used in authorizing the instant credit. When the IAN is issued to purchase airline tickets, it can be ensured that the applicant's last name matches the passenger's last name for the airline ticket being purchased, and that the ticket will not be renamed or sold. When the IAN is issued in conjunction with a partner's loyalty or rewards program, the applicant's account information with the rewards program is captured. It is ensured that the applicant has some tenure with the partner and that data submitted by the applicant is consistent with data on file with the partner.

Abstract: A service provider may receive transaction information from a plurality of merchant devices for a plurality of point of sale (POS) transactions conducted between buyers and merchants. The service provider associates the transaction information with respective buyer profiles. The service provider may subsequently receive an indication of a first item selected by a particular buyer for a current POS transaction being conducted with a particular merchant. The service provider may determine a particular buyer profile to associate with the current transaction. Based at least in part on the particular buyer profile or the other buyer profiles, the service provider may determine a second item that has been purchased frequently together with the first item. The service provider sends a communication to the particular merchant to indicate that the particular merchant may wish to offer the second item to the particular buyer for inclusion in the current transaction.

Abstract: Systems and methods of evaluating search query terms in a computer network environment are provided. A data processing system can obtain, from a computing device via a computer network, a first search query and a second search query, and can determine a relationship between the first search query and the second search query. The data processing system can generate a structured search query representative of the first search query and the second search query, and can select, based on the structured search query, a content item for display by the computing device. The data processing system can receive an indication of a click on the content item, and can provide, to a content publisher computing device, a representation of the structured search query and the indication of the click on the content item.