Abstract: An information processing system includes a first acquisition unit configured to acquire pieces of first information for a plurality of services to which a user has subscribed, respectively, each piece of first information containing reduction terms for reducing a fee for the corresponding service; a second acquisition unit configured to acquire pieces of second information for the services, respectively, each piece of second information indicating a usage of the corresponding service; a determination unit configured to determine whether a value according to the piece of second information corresponding to the service satisfies the reduction terms for each of the services; and a processor configured to perform a process for reducing the fee for the service on each of the services when the services include a service for which it is determined that the value according to the piece of second information satisfies the reduction terms.

Abstract: Systems and methods for providing digital incentives or financial offsets including the steps of: providing a financial platform operable on a server computer and at least one database in electronic, digital communication over a network, the financial platform operable for financial services transactions; providing a database of profile data for the at least one user; developing a digital incentive program for stimulating financial transactions by at least one user, the digital incentive program including profile factors from the profile data of the at least one user; automatically providing at least one digital incentive to corresponding of the at least one user, the at least one digital incentive available for a redemption by each of the users, wherein the digital incentive has an electronic financial transaction value available for the redemption on any electronic financial transaction media, and wherein the redemption of the electronic financial transaction value of the digital incentive does not occur at

Abstract: A method of providing rewards to a user by storing, in a portable computing device, user profile data which may be accessed by a merchant terminal. A merchant terminal interacts with the portable computing device by accessing the user profile data from the portable computing device, and providing the user with a reward in accordance with the user profile data accessed by the merchant terminal, wherein the merchant terminal provides a relatively greater reward to the user when relatively more user profile data is accessed by the merchant terminal and a relatively lesser reward to the user when relatively less data is accessed by the merchant terminal.

Abstract: Creation and placement of rewards associated with preferred payment types enables a merchant to incentivize a customer for selecting the preferred payment types. A number of payment types may be presented to a customer, where at least one payment type is a preferred payment type with an associated reward. The reward may be transmitted to the customer if the customer satisfies conditions for obtaining the reward. The conditions may include using the preferred payment type, applying for the preferred payment type, or making the preferred payment type the default payment type, among other possibilities.

Abstract: A money transfer system provided in connection with a loyalty program where the loyalty program members are assigned a loyalty identifier. The system includes point of entry ports to communicate transaction information with points of entry; a promotion database, a customer database, a pricing database, an analytics port to communicate marketing information with a marketing analytics system and a transaction processing system.

Abstract: A method and system for providing consumer defined coupons includes a process for providing consumer defined coupons whereby a consumer proposes/defines the parameters or “terms” of a proposed coupon and/or marketing offer that the consumer feels would compel the consumer to purchase a product and/or service, shop at a defined store, or perform some other defined action. The consumer defined coupon terms are then provided to a potential coupon provider. The potential coupon provider is then provided the opportunity to review the consumer defined coupon terms. The potential coupon provider is then provided the opportunity to accept the consumer defined coupon terms, reject the consumer defined coupon terms, and/or propose alternative coupon terms. If the potential coupon provider accepts the consumer defined coupon terms, a coupon is then created and provided to the consumer.

Abstract: Providing information to an occupant of a vehicle. At least some of the illustrative embodiments are methods including: identifying an occupant of a vehicle, the identifying creates an indicia of occupant identity; determining an identity of the vehicle, the determining creates an indicia of vehicle identity; tracking location of the vehicle when occupied by the occupant; and providing information to the occupant, the information selected based on the indicia of occupant identity, the indicia of vehicle identity, and/or the locations of vehicle when occupied by the occupant.

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. 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. Targeted content may be sent to the mobile device of the user and whether the user visits the physical locations associated with the targeted content is monitored. Once it is verified that the user has visited the physical location, then any associated promotional offers may be authorized. Payment systems, phone exchange systems, and other features may also be integrated to provide detailed conversion tracking to producers of targeted content and business owners.

Abstract: A comprehensive platform for merchandising intellectual property (IP) and conducting IP transactions is disclosed. A standardized data collection method enables IP assets to be characterized, rated and valuated in a consistent manner. Project management, workflow and data security functionality enable consistent, efficient and secure interactions between the IP Marketplace participants throughout the IP transaction process. Business rules, workflows, valuation models and rating methods may be user defined or based upon marketplace, industry or technology standards.

Abstract: A comprehensive platform for merchandising intellectual property (IP) and conducting IP transactions is disclosed. A standardized data collection method enables IP assets to be characterized, rated and valuated in a consistent manner. Project management, workflow and data security functionality enable consistent, efficient and secure interactions between the IP Marketplace participants throughout the IP transaction process. Business rules, workflows, valuation models and rating methods may be user defined or based upon marketplace, industry or technology standards.

Abstract: A comprehensive platform for merchandising intellectual property (IP) and conducting IP transactions is disclosed. A standardized data collection method enables IP assets to be characterized, rated and valuated in a consistent manner. Project management, workflow and data security functionality enable consistent, efficient and secure interactions between the IP Marketplace participants throughout the IP transaction process. Business rules, workflows, valuation models and rating methods may be user defined or based upon marketplace, industry or technology standards.

Abstract: A metadata guide of audio, video, multimedia transmission, receiving and playback with advertising and bi-directional fulfillment of goods and services over the Internet includes the use of user and stream demographics. A streaming content distribution system includes a a server to a) stream content based on i) user demographics and ii) historical and real time stream demographics from a plurality of streaming content sources and b) stream advertisements based on user demographics selected by advertisers, commercial agreements and access control rules from a plurality of streaming advertisement sources before, during, and after playback of streaming content from the server over the internet to a user device including a central processing unit and a physical user interface; and a guide including metadata not input by the users for the user device to locate streaming content on the server.

Abstract: Systems and methods are disclosed for providing social-media influence based rewards to a customer. The systems and methods may provide incentives to customers of financial-service providers based on their influence in social media. A level of social-media influence may be determined for the customer by gathering data regarding the customer's social network profiles. Based on the level of social-media influence, an amount of rewards may be provided for business transactions initiated by the customer.

Abstract: A method of operation of a navigation system includes: generating a notification of an initial offer; identifying a consumer's vacillation to the initial offer; and generating a second notification of the supplemental incentive offer based on the consumer's vacillation for displaying on a device.

Abstract: Techniques for distributing messages to consumers on behalf of promoters. In some embodiments, once a message is provided to a message distribution system to be distributed to consumers on behalf of promoters, the message distribution system may determine the consumers to which to distribute the message based on the personal interest identifiers for the consumers that identify personal interests of the consumers. In particular, in some embodiments, a message distribution system may determine a topic for a message and personal interest identifiers for the message that correspond to personal interest identifiers input by consumers. Once the set of personal interest identifiers for the message has been identified, a set of consumers who have input one or more of those personal interest identifiers is identified. The message may then be made available to the identified set of consumers.

Abstract: A host system for a merchant to distributing and redeeming incentives to a consumer is provided. The merchant may create an incentive with specifications that determine the value of the incentive and to which consumers the incentive is available. The consumer may create a list of products, which the host system matches to a database of created incentives. The consumer may select and use one of more of the incentives and also may share incentives with other consumers. The host system also provides for the verification and confirmation of incentive use, thus allowing the issuer and the host system to track incentive efficiency. The host system also allows for dynamic incentive value determination based on consumer activity, such as sharing the incentive, incentive usage, reviewing products, or posting in a forum.

Abstract: Methods, apparatus, systems and computer program products are described and claimed that provide for automatically and positively determining that an associate accessing a business domain/application using an application-specific associate identifier is the same associate that is accessing another business domain/application using another application-specific associate identifier. Once the positive determination of same associate is made, a federated identifier key is generated and applied to all of the platforms in which the associate can be positively identified, so as to globally identify the associates across multiple enterprise-wide domains/applications. As such, the present invention eliminates the need to manually analyze associate data to determine if an associate interfacing with one domain/application is the same associate interfacing with another domain/application.

Abstract: Systems and methods for providing incentives for the public to travel during time windows and routes that help alleviate traffic congestion. The systems described herein include at least two components: a computer server software system that includes various algorithms and database sub-systems; and a mobile device application. Generally, a user may enter an origin, destination, and preferred time of travel for an intended trip into the mobile device application, which transmits the information to a remote server. The server computes a route for the trip and provides the user with available incentives for traveling the route at one or more departure time windows. The user's mobile device transmits GPS data to the server, which allows the server to verify whether the user has traveled the route during the specified time window. If so, the server then provides the incentive to the user via the user's mobile device or through email.

Abstract: System and method for selling, configuring, installing, reconfiguring and servicing integrated voice/data communications systems are disclosed. An Internet/web based portal is provided to enable a high level of data to be easily collected. The portal guides the customer or sales persons in the collection of user requirements data indicative of the particular customer's hardware, telephony and network service requirements. Test of the data is performed, ensuring that all required data has been entered. The user requirements data is translated into configuration data in order to configure the system in a manner to satisfy the user requirements data. Configuration data resulting from a user requirements data entry and translation process is coupled with a hardware manufacturing process to produce an integrated system configured for the particular customer.

Abstract: An apparatus and method use client information to automatically select products appropriate for the client. According to one aspect of the invention, client information, information about the products, ancillary data, and decision criteria pertaining to selection from among the products are stored in a storage device Decision-making logic circuitry use the stored data to select the products. An output device prepares a client communication identifying the selected products and incorporates a portion of the client information and a portion of the product information into the client communication.

Abstract: A method for generating a deal for a business, including identifying a deal goal of the business, obtaining a plurality of previous deals issued by a plurality of businesses, identifying a plurality of performance data items relating to the plurality of previous deals, filtering the plurality of previous deals to identify a plurality of previous deal characteristics, selecting a plurality of high performance deal characteristics from the plurality of previous deal characteristics, generating a plurality of deal characteristics for the deal, identifying a first deal provider and a second deal provider from a plurality of deal providers, generating the deal including the plurality of deal characteristics, receiving an approval of the deal, and transmitting the deal to the first deal provider and the second deal provider.

Abstract: A user is presented with locations on a map of where the user can redeem offers at an event venue. The locations may show the closest locations to the user's seat, the locations with the shortest or fastest lines, locations that have a user's size or favorite color in stock for apparel, and/or locations that provide the user more specific information than just where an incentive can be used.

Abstract: A method of providing a keyword advertisement and a system for executing the method are provided. The method of providing the keyword advertisement includes: generating and maintaining an advertiser history ranking by using an advertiser keyword purchase history; and ordering the keyword advertisement display with respect to a user keyword by using the advertiser history ranking. In this instance, the advertiser keyword purchase history includes mapping information between an advertiser and a keyword purchased by the advertiser for each advertisement group or for each advertisement campaign.

Abstract: Systems and methods configured to allow an offer campaign to be specified based on event requirements associated with multiple, different merchants. The event requirements are linked via prerequisite conditions to form the offer campaign. Each event may identify an event related to one merchant (e.g., a payment transaction for a purchase from the merchant) and an optional action to be performed in response to a user satisfying the requirements of the event. Each merchant in the offer campaign is allowed to insert an event related to the merchant, subsequently edit the inserted event, and identify other events in the offer campaign as prerequisite requirements of the event related to the merchant. Merchants may be prevented from inserting or editing events specific to other merchants.

Abstract: Techniques for generating leads for a company's products and/or services are presented. A message publishing module provides a means for specifying different member-interest buttons to be presented in connection with messages published to the activity or content streams of members of a social network service, where such messages relate to specific products and/or services of a company. The social network service detects which members interact or select the various member-interest buttons, and in connection with which specific products and services. This information is then provided to authorized administrators or representatives of the company, and made available as member-targeting criteria for targeting members with subsequent messages.

Abstract: The disclosed subject matter relates to computer-implemented methods for notifying a user of a promotional offer based on a travel route. In one aspect, a method includes determining a travel route, from an origin location to a destination location, of a user. The method further includes calculating a distance from at least one point on the travel route one or more retail locations offering a promotional offer. The method further includes selecting, based on the calculated distance, at least one of the one or more retail locations offering the promotional offer. The method further includes determining a time to notify the user of the promotional offer offered by the selected retail location(s). The method further includes providing for notifying the user at the determined time, of the promotional offer offered by the selected retail location(s).

Abstract: The disclosure herein provides interactive electronic game systems, methods, and devices. An interactive electronic game system comprises a user information database, an ordering engine, a prize engine, a game engine, and one or more computers, wherein the ordering engine comprises an identification receiver and an order processor, and the one or more computers comprises a computer processor and an electronic storage medium.

Abstract: A technique for administering a rebate program includes logic for generating rebate information based the purchase of goods and/or services using a card instrument. The technique further includes logic for applying a rebate, based on the rebate information, to fund at least part of a transaction performed by an brokerage service. In one embodiment, the brokerage service charges a fee to perform the transaction. In this case, the rebate is used to fund at least part of the transaction fee. The rebate therefore entitles the cardholder to perform a transaction free of charge. The rebate thus is converted to one or more “free transactions,” and in a more specific application, one or more “free trades.

Abstract: Systems and methods are disclosed for providing crowdsourced contest for a behavior modification plan such as a plan to modify a user's diet, spending habits, or meals. A contest definition may be formulated based on a request received from the user and an analysis of the user's purchase history. The contest may be published to potential respondents based on analysis of the respondent's own purchase history. Payments may be authorized upon selection of a respondent's plan. The user's purchasing activity may be monitored and reported to the selected respondent to facilitate coaching. Coaching activity may be facilitated and or detected and payment authorized for such activity. Achievement of goals may be verified using the purchase activity of the user and payment authorized to the selected respondent to the extent goals are achieved.

Abstract: Systems and methods are disclosed for providing crowdsourced contest for a behavior modification plan such as a plan to modify a user's diet, spending habits, or meals. A contest definition may be formulated based on a request received from the user and an analysis of the user's purchase history. The contest may be published to potential respondents based on analysis of the respondent's own purchase history. Payments may be authorized upon selection of a respondent's plan. The user's purchasing activity may be monitored and reported to the selected respondent to facilitate coaching. Coaching activity may be facilitated and or detected and payment authorized for such activity. Achievement of goals may be verified using the purchase activity of the user and payment authorized to the selected respondent to the extent goals are achieved.

Abstract: A coupon dispensing module for use in conjunction with a vending machine includes a selection mechanism adapted to interrogate a database to determine whether a desired coupon corresponds to the desired product, a printing mechanism adapted to print the desired coupon, a dispensing mechanism for dispensing the desired coupon upon the receipt of an actuating signal, and a control circuit coupled to the vending machine, the control circuit operating to interrogate the database to determine whether the desired coupon is available, operate the printing mechanism based on requirements of the desired coupon, and provide the actuating signal to the dispensing mechanism.

Abstract: An online sales/automatic rebate and coupon redemption system provides online customers automatic retrieval and redemption of all applicable rebates and coupons during purchase. Purchase orders from customers are selectively fulfilled and products are shipped to the customers either by the system for online sales with automatic rebate and coupon redemption or by other merchant or manufacturer environments. The system purchases from merchants using applicable coupons and rebates and then sells the products to the customers, passing the savings to them. The system makes it possible to automatically retrieve coupons and rebates for items in a shopping cart during the activity of an online purchase at an electronic mall or an online merchant site. The system provides coupons to potential customers via email, based on customer profile, geographical information, etc. Manufacturers and merchants can update coupon value and content based on ongoing sales and volume of customer activity.

Abstract: Virtual mobile rewards, gift cards, and/or physical world retailers' loyalty and reward programs are aggregated into a common account accessible and transactional from an Internet capable mobile radio device. Subscribers gain access to discounted codes, coupons, rebates, gift cards, and/or limited time offers, on their mobile device for food, travel, lifestyle, electronics, and entertainment products that fit their lifestyle spending habits, enabling users to edit participating retailers, manage separate account balances, and present preferred discounted offers at retailers and apply discount towards purchase of goods.

Abstract: Systems and/or methods are disclosed for interacting with a multiple criteria buying and/or selling system to conduct business electronically. A dynamic discount card is disclosed according to an aspect of the present invention. The dynamic discount card comprises an information access component for receiving information and a presentation component for displaying information to a user via the dynamic discount card.

Abstract: A check verification system and method that (a) uses a customer's check ID as a unique identification code, (b) stores customer information in a local customer database for that store. Each customer is assigned one of three check verification statuses: POSITIVE, NEGATIVE, and CAUTION. The CAUTION status is assigned to first time customers, and the customer is automatically converted to a POSITIVE status if the customer's initial check(s) clears—those customers who achieve a POSITIVE status, but stop frequenting the store can be reset to the CAUTION status. In addition, a CALL MANAGER conditional check verification response may be returned for those customers with a POSITIVE status but who attempt a check transaction that meets certain predetermined transactional criteria (such as check frequency or dollar amount). A multiple-store architecture can be used in which each store has a local customer database, and in which global customer information is communicated between the stores as preselected intervals.

Abstract: Described herein are apparatus and methods for collecting and manipulating transaction data. For example, presented herein is an apparatus including: a first I/O port; a second I/O port of a same type as the first I/O port, wherein the second I/O port is connected to the first I/O port such that data passed into the first I/O port is allowed to pass through the apparatus to the second I/O port unimpeded in at least a first operating mode; a processor; and a non-transitory computer readable medium storing instructions thereon wherein the instructions, when executed, cause the processor to: collect information passed from a first computing device connected to the first I/O port to a second computing device connected to the second I/O port, identify, from the information, transaction data; and provide, to a third computing device, the transaction data.

Abstract: Methods and systems for an interactive media guidance application to prevent a user from experiencing an episodic advertisement out of order. Each episodic advertisement includes a plurality of advertisements intended to be viewed in an ordered sequence, and each advertisement of the sequence is part of a story that the episodic advertisement tells. The interactive media guidance application determines whether the user's viewing activity may cause the user to experience a particular advertisement of an episodic advertisement out of order, identifies an alternative advertisement of the episodic advertisement to present in place of the particular advertisement, and presents the alternative advertisement so as to prevent the user from experiencing the particular advertisement out of the ordered sequence of advertisements.

Abstract: A method comprises: (a) receiving from a mobile device (MD) a first list identifying an item and a store list identifying a store. The first list of items at each store represents a basket; (b) for each store, performing in a computer remote from the MD a comparison calculation among baskets. The calculation is performed at the category or lower level, identifying a combination of commercial substitutes or at least SKU's, corresponding to items in the basket, that best satisfies the comparison calculation for each basket; (c) after step (b), receiving from a computer implemented direct marketing campaign management system, a retail incentive offer; and (d) after step (c), transmitting to the MD identification of a recommended store, or a second list containing a set of respective SKU level descriptors that best satisfy the comparison calculation for the basket, and results corresponding to the baskets for the other store.

Abstract: A disclosed example method involves generating a geographic-based consumption index for a product based on a first per-person sales volume of the product in a first cell of a plurality of geographic cells of a larger geographic area. The example method also involves generating a demographic-based consumption index for the product based on a second per-person sales volume of the product for a demographic group in the first cell. An advertisement to present to a person is selected based on an online web interest, a geographic location, and a demographic of the person and further based on the geographic-based consumption index and the demographic-based consumption index.

Abstract: A payment device, method, and apparatus configured to parse customer exclusive data from a payment device or financial transaction data.

Abstract: Methods, apparatus and computer program products are provided for monitoring compliance in reporting unclaimed property. The method is capable of identifying both potential non-reporters and potential under-reporters. In this regard, potential under-reporters may be identified as a result of a multilevel review that may take into account the recent reporting history, both in terms of frequency and the type and quantity of unclaimed property that has been reported. The potential non-reporters and potential under-reporters may then be further evaluated, such as by means of an audit or other follow up procedure, to insure compliance.

Abstract: A system for managing coupon redemption and prioritization is provided. According to one aspect of the system, the system allows an electronic coupon or reward to be redeemed a specific number of times. The specific number of times may range from one to infinity. According to another aspect of the system, the system automatically resolves any redemption conflict associated with the concurrent redemption of electronic coupon(s) and paper-based coupon(s) by using certain predefined rules and logic.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for transmitting information to an entity (e.g., a merchant) upon associating a gift card with an account. An exemplary apparatus is configured to: receive information associated with a gift card, the gift card associated with a merchant; associate the gift card with an account; and transmit information to an entity, the information being associated with at least one of the gift card, the account, or a user associated with the account.

Abstract: A system for managing electric energy exchange devices is disclosed. The system comprises a processor and a memory. The processor is configured to receive a set of predefined parameters for electric energy exchange a vehicle using an electric energy exchange device for a time increment. The processor is further configured to receive a set of transaction specific parameters. The processor is configured to determine a price for electric energy exchange based at least in part on the set of predefined parameters and the set of transaction specific parameters. The memory is coupled to the processor and configured to provide the processor with instructions.

Abstract: A service to manage sweepstakes, games, contests, loyalty programs and scavenger hunts is disclosed. The user of an end user device moves to different locations and sends back information regarding the user's location to the service. The service can be updated/adjusted real time to automatically track users, points, entries, location, and multiple step scavenger hunts. The service may send the user to different locations where the user can obtain prizes. Companies can engage with their customers in new ways by leveraging and modifying mobile technology. In one implementation locations, address book, on device animations, randomized unique ID generated by a device during the contest can be modified in real time during operation of the service.

Abstract: Techniques are described herein that are capable of facilitating development of data-rich applications. A data-rich application is an application (e.g., a software application) that is configured to perform an analysis of data (e.g., structured data, unstructured data, or a combination thereof) and to provide information based on the analysis. In accordance with the aforementioned techniques, a public online environment may be provided in which application developers are allowed to access representative samples of data owned by data owners at a substantially reduced cost (e.g., free) to facilitate development of the data-rich applications.

Abstract: An individualized discount and reward server includes one or more linked databases to store customer data associated with a loyalty program of a retailer. The server includes a processor configured to select a retail product from a plurality of retail products associated with the retailer. The processor determines a first percentage indicating a percentage of time the loyalty customer purchases the selected retail product on promotion, and determines a second percentage indicating an average percentage of time a plurality of customers forming a peer group purchases the selected retail product on promotion. Further, the processor determines a comparison result by comparing the first and second percentages. Additionally, the processor allocates at least one customized offer to the retailer account associated with the loyalty customer according to at least the comparison result.

Abstract: The subject matter discloses a method, comprising obtaining transaction history of a specific customer at a voucher related business, predicting future transactions of the specific customer at the voucher related business according to the transaction history of a specific customer, said future transactions are associated with a predefined time range; determining a personalized voucher to be issued to the specific customer for the predefined time range to be redeemed at the voucher related business according to the predicted future transactions, wherein at least one step of the method is performed by a processor.

Abstract: A method for coordinating purchases of goods or services comprises the steps of establishing a consumer group (216) including a plurality of members (218A-218n); and establishing a first price discount on a first consumable that is made available to each of the plurality of members (218A-218n) of the consumer group, the first price discount being based on the number of members (218A-218n) in the consumer group (216). The step of establishing a first price discount can include the first price discount being made available to each of the plurality of members (218A-218n) of the consumer group (216) regardless of the number of members (218A-218n) that actually purchase the first consumable. The method can further comprise the step of providing a rebate to a first member (218A) of the consumer group (216), the rebate being based upon a dollar amount of purchases made by one or more members (218A-218n) of the consumer group (216) over a predetermined period of time.

Abstract: Embodiments of the present disclosure include an intelligence engine implemented in accordance with a social commerce network community. The social commerce network community may include members, merchants, third party providers, or other entities that have agreed to participate in a social commerce network system. The intelligence engine is configured to use member information stored in a member profile to match members with a commercial opportunity.