Abstract: Online advertisers may demand compliance with certain standards for the content of emails and other digital content with which its advertisements may be associated. Emails may contain control objects directing users to a web page showing content related to oil change coupons. However, in some systems, methods, and processes, a small variable proportion of users may instead be directed to a different sequence of pages to conduct a compliance check on the contents of the email received by the user. The compliance check sequence of pages may offer the user an incentive to forward the email to a specified email address for subsequent compliance review. Delivery of an incentive may be conditioned on successful receipt of the forwarded email.

Abstract: A system for providing a messaging service includes a talk storage for storing talk information in association with first user identification information, the talk information including a message from a second user to a first user, the first user identification information identifying the first user, and processing circuitry for outputting specification information specifying the one or more registered messages based on an acquisition of one or more registered messages, adding a first registered message specified by the first specification information, to the talk storage, based on each of one or more first requests accompanied by the first user identification information and first specification information included in the specification information, and adding a second registered message specified by the second specification information, to the talk storage, based on each of one or more second requests accompanied by the first user identification information and second specification information included in th

Abstract: The present embodiments relate to an Augmented Reality (AR) vehicle buying experience. A client can provide a series of client information, such as characteristics of a desired vehicle. A specified vehicle can be identified and characteristics of that vehicle can be identified. The characteristics of the vehicle can then be compared with the desired vehicle characteristics provided by the client to determine whether the vehicle corresponds to the desired vehicle of the client. Responsive to determining that the specified vehicle corresponds to the desired vehicle of the client, the client AR display can be updated to highlight the specified vehicle depicted in the display. Alternatively, responsive to determining that the specified vehicle does not correspond to the desired vehicle of the client, the client AR display can be updated to obfuscate (e.g., grey out) the specified vehicle in the display.

Abstract: An information processing system includes a terminal anonymizing data composed of records including one or more items through statistical processing, and a server storing the anonymized data set. The terminal includes a memory, and a processor configured to transmit an acquisition request which designates an acquisition condition to the server and acquire data which satisfies the acquisition condition from the server, create merged data, and transmit anonymized data obtained by anonymizing the merged data through the statistical processing to the server. The server includes a server memory, and a server processor configured to, in a case where the acquisition request is received, search for data which satisfies the acquisition condition from the data set and transmit data obtained as a result of the search to the terminal, receive the anonymized data, and subtract statistics included in the data transmitted to the terminal from statistics included in the received anonymized data.

Abstract: Described embodiments provide systems and methods for preventing unauthorized access of information from a resource. A device intermediary between a client and a server in a session can receive a first request from the client that includes a first uniform resource locator (URL) of the server. The device may receive a response from the server that includes a second URL. The device may update the response by including a client identifier for the session in a set-cookie field, obfuscating the second URL into a string, and replacing the second URL in the response with the string. The device may receive a second request that includes a candidate client identifier, and a third URL. The device may determine whether the second request is valid, by at least one of: matching the candidate client identifier with the client identifier, and determining whether the second URL is recoverable using the third URL.

Abstract: A system for determining a likelihood that a pre-determined customer will enter a selected customer support center (CSC) is provided. The system includes a customer-tracking system for determining whether the customer is within a predetermined distance of the CSC. The tracking system is set to a tracking state in response to receiving a customer tracking opt-in selection. The system also includes a biometric monitoring system that monitors, using an electronic device in close proximity to the customer, when the customer is determined to be within the pre-determined distance of the CSC. The biometric monitoring system monitors the customer's biometric functions to determine the likelihood of the customer entering the CSC. When a determination of the likelihood of the customer physically entering the CSC is higher than a threshold level, the system may provide the likelihood, as further influenced by the customer sentiment condition, of the customer entering the CSC.

Abstract: A method and system for cloud based service provider performance evaluation are disclosed. The method may include extracting service record data and ticket status change record data from the service ticket data and aggregating the service record data and the ticket status change record data. The method may include calculating ticket level performance metric data based on the aggregated record data and generating ticket level performance scores based on the ticket level performance metric data. The method may further include generating service level performance scores based on the service level performance metric data and generating service feedback performance scores based on the service feedback metric data. The method may further include merging the ticket level performance scores, the service level performance scores, and the service feedback performance scores to generate performance vectors and evaluating overall performances of the service providers based on the set of performance vectors.

Abstract: Services can be provided by one or more Intermediary Transaction Processing Server(s) (ITPS) whereby a client computing system can obtain additional and/or expedited services from a third-party computing system, via one or more ITPS, without necessarily needing an update or other modification to the client computing system before obtaining the additional and/or expedited services from the third-party computing system.

Abstract: In one aspect of the present disclosure, a device includes one or more memories having computer-readable instructions stored therein and one or more processors. The one or more processors are configured to execute the computer-readable instructions to receive, over a period of time, information regarding transactions conducted in association with a user account; identify a category associated with one or more of the transactions based on the information, wherein identifying yields a number of categories; generate a ranking of the categories based on a transaction parameter; assign a different number of points to corresponding transactions in one or more of the categories based on the ranking, with a highest number of points assigned to the corresponding transactions in at least one category with highest ranking; and apply the corresponding number of points to the user account.

Abstract: Systems, as described herein, may use smart contracts and distributed ledgers in distributed networks to determine points earned by consumer and settle points for merchants. Distributed ledgers in the distributed network may be used to store transactions executed by merchant digital wallets and consumer digital wallet. Smart contracts in distributed networks may be used to maintain point balances associated with the consumer digital wallets and the merchant digital wallets of the consumer, determine points earned by consumer digital wallets, settle points for merchant digital wallets, and send messages to consumer digital wallets regarding expiring points. Systems, as described herein, may also send individualized recommendations of goods and services to the consumer digital wallets.

Abstract: A system for providing a messaging service includes a talk storage for storing talk information in association with first user identification information, the talk information including a message from a second user to a first user, the first user identification information identifying the first user, and processing circuitry for outputting specification information specifying the one or more registered messages based on an acquisition of one or more registered messages, adding a first registered message specified by the first specification information, to the talk storage, based on each of one or more first requests accompanied by the first user identification information and first specification information included in the specification information, and adding a second registered message specified by the second specification information, to the talk storage, based on each of one or more second requests accompanied by the first user identification information and second specification information included in th

Abstract: An example method includes detecting, using a user interaction tracking module associated with a website, access of a user of a webpage that is part of the website. The website provides multiple products for sale and is operated by an entity. The user interaction tracking module is provided by an offer aggregator entity that is distinct from the entity. The website has a theme providing a look and feel for the website. The method further includes accessing a profile of the user and identifying, based on the profile of the user, multiple offers to provide to the user. Each offer includes an offer title and a reference to one or more products of the multiple products. The method further includes providing for display to the user in the webpage the multiple offers. Each offer for display includes the offer title and the reference and has the theme of the website.

Abstract: A portal to provide user interfaces to users to access and/or purchase account features in connection with websites of issuers. The user interfaces have white label configurability that allows the issuers to customize the labeling of the user interfaces such that the user interfaces can be perceived as part of the websites of the issuers of the consumer accounts of the respective users. The user interfaces are configured to present, in a user friendly way, the account features currently in the consumer accounts, as well as optional account features that can be purchased at additional costs.

Abstract: Methods and systems for managing loyalty programs using a decentralized blockchain are provided. Transactions between users and a merchant are monitored via an application programming interface (API) of a service provider. Based on the monitoring, it may be determined that at least one of the users has satisfied reward criteria for a loyalty program associated with the merchant. The loyalty program includes a plurality of tokens to be distributed to users who satisfy the reward criteria configured by the merchant via a merchant interface. At least one token from among the plurality of tokens may be selected for the user, based on at least one smart contract associated with the merchant. The smart contract is stored on the blockchain in association with a unique identifier for the merchant. A transaction is broadcasted to the decentralized blockchain for transferring the at least one token to a digital wallet of the user.

Abstract: A point applying unit associates a predetermined point according to a type of regular purchase contract with user identification information according to a contractual user, for each predetermined period; a number-of-points information storage unit stores number-of-points information representing the number of points for each reward, in a plurality of providable rewards; a selection information acquisition unit retrieves selection information that is associated with the user identification information and represents a selected reward of the plurality of rewards; and a reward management unit enables the selected reward to be used, based on the user identification information, in a case where the total number of points are set by the selection information retrieved by the selection information acquisition unit and the number-of-points information in the number-of-points information storage unit and are associated with the selected reward has a predetermined relationship with the predetermined point associated b

Abstract: A provider institution computing system comprises a network interface circuit and a processing circuit. The processing circuit includes a processor coupled to a non-transitory memory storing instructions that, when executed by the processing circuit, cause the processing circuit to perform operations. The operations include receiving a request from a first messaging application of a sender device to send a gift to a recipient device via a second messaging application of the recipient device. The operations further include verifying that a first account associated with the sender includes a first value of points and converting the first value of points to a first gift value and a second gift value that is different than the first gift value. The operations further include providing a first gift option to the first messaging application, which includes a first gift with the first gift value and a second gift with the second gift value.

Abstract: A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to during an active web session within a web browser executing on a computing device determine that a web page active within the web browser is eligible for loyalty point redemption; and send, via the communications module and to the computing device, a signal to modify the web page active within the web browser to display at least one selectable option associated with offsetting a purchase price of at least one item using loyalty points from a loyalty points account.

Abstract: Systems, methods, and apparatuses for providing a central location to manage permissions provided to third-parties and devices to access and use user data and to manage accounts at multiple entities. A central portal may allow a user to manage all access to account data and personal information as well as usability and functionality of accounts. The user need not log into multiple third-party systems or customer devices to manage previously provided access to the information, provision new access to the information, and to manage financial or other accounts. A user is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal. The user is able to impose restrictions on how user data is used by devices, applications, and third-party systems, and control such features as recurring payments and use of rewards, via a central portal.

Abstract: A user-operated device is assigned a unique tab number. The unique tab number is associated with an open order of a user. An interface is provided to the user-operated device for the user to control in real time the open order.

Abstract: Disclosed herein are system, method, and computer program product embodiments for classifying data objects using machine learning. In an embodiment, an artificial neural network may be trained to identify explained variable values corresponding to data object attributes. For example, the explained variables may be a category and a subcategory with the subcategory having a hierarchical relationship to the category. The artificial neural network may then receive a data record having one or more attribute values. The neural network may then identify a first and second explained variable value corresponding to the one or more attribute values based on the trained neural network model. The first and second explained variable values may then be associated with the data record. For example, if the data record is stored in a database, the record may be updated to include the first and second explained variable values.

Abstract: A method for utilizing smartglasses-enabled, autonomous, transfer technology, to execute a transferor to recipient transfer is provided. The method may include receiving, via hand gestures at the smartglasses, a mobile phone number of a target recipient. The method may also include transmitting the mobile phone number from the smartglasses to an entity associated with the transferor. The method may then determine a recipient identification number associated with the mobile phone number at the entity associated with the transferor, and, preferably then, communicating with a transfer gateway to initiate a payment between a transferor account number associated and the recipient identification number. The method may also include processing the transfer via the transfer gateway and transmitting a completion notification to a mobile device associated with the mobile number and to the smartglasses.

Abstract: A system for providing wireless guidance in a retail space includes a portable computing device configured to wirelessly receive a signal from a first transmitter located at a product in a retail space, parse the first signal for a plurality of textual elements, the plurality of textual elements including a first identifier that is a transmitter identifier and at least a second identifier, retrieve at least a product information datum using the plurality of textual elements, generate a display element using the product information datum, and display the display element to the user.

Abstract: Systems and methods for applying reward points from a rewards account to a transaction are disclosed. A method can include receiving a payment request from a merchant computer system for a transaction. The method can include authenticating the payment request by acquiring and using an encryption key transmitted by a financial institution computing system from a database that is associated with a payment account. The method may include determining the number of rewards points in the rewards account is not enough to cover the transaction. The method may include transmitting a partial authorization message to the merchant computer system including an approval amount. The method may include receiving a second payment request comprising a remaining balance of the transaction. The method may include identifying a secondary payment source to cover the remaining balance of the transaction.

Abstract: Apparatuses, systems, methods, and computer program products are disclosed for aggregation based credit decisions. An apparatus includes a data module configured to receive transaction data for a user that is aggregated from a plurality of different third-party data sources where the user has accounts. An apparatus includes an analysis module configured to analyze aggregated transaction data using machine learning to determine a credit metric describing a credit worthiness of a user. An apparatus includes a credit module configured to provide a determined credit metric to one or more interested third parties.

Abstract: A loyalty gamification server platform with a plurality of micro-services are provided. Custom-defined rules permit gamification elements to be integrated as enhancements into loyalty applications though interaction with the micro-services using a platform Application Programming Interface (API). Artifacts associated with rewards and status level of rewards are earned based on activities associated with transactions of a user in accordance with the rules. Social standing artifacts are also earned based on the same or different activities. In an embodiment, users form a community and a dashboard microservice permits each user's ranking relative to games, competitions, status, and social standing to be viewed relative to other users of the community as a dashboard presentation on a display of a transaction terminal or a user device.

Abstract: In general, embodiments of the present invention provide systems, methods and computer readable media for a predictive recommendation system using predictive models derived from tiered feature data.

Abstract: The embodiments provide a system and method for detecting sensitive data in one or more documents, which may be housed in a data storage system. More specifically, the embodiments provide a system that can not only identify potentially sensitive data based on pattern matching, but which can also infer context in unstructured domains. Context may be inferred using both part of speech analysis and by analyzing the similarity of potentially sensitive data with key terms using a vector space model.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, devices, and processes that securely distribute digital assets within a computing environment using permissioned distributed ledgers. For example, an apparatus may receive, from a computing system, an allocation request, a first digital signature applied to the allocation request, and a second digital signature applied to the allocation request and to the first digital signature. Based on a validation of the first and second digital signatures, the apparatus may approve the allocation request and allocate a digital asset to the first device in accordance with the approved allocation request. The apparatus may also perform operations that record a public key and asset data identifying a digital asset onto a distributed ledger, and may generate and transmit, to the first device, confirmation data indicative of the allocation of the digital asset to the first device.

Abstract: Systems, computer program products, and methods are described herein for triggering adaptive resource channel requisition within a distributed network. The present invention is configured to electronically receive, from a user input device, a resource allocation request from a user; retrieve, from the resource allocation request, information associated with the user; trigger an adaptive resource channel requisition (ARCR) engine on the request based on at least the information associated with the user; retrieve, from the resource allocation request one or more preset value associated with resource allocation request; retrieve, using the ARCR engine, one or more predetermined requisitions corresponding to the resource allocation request from a requisition repository associated with the user; implement the one or more predetermined requisitions on the one or more preset values to generate one or more requisitioned values; and authorize the resource allocation request for the one or more requisitioned values.

Abstract: A method may include generating a feature table, hierarchical segments, and a graph network based on raw interaction data of a set of users. The method may further include generating a set of rankings for features in the feature table. The method may further include targeting hierarchical segments of the set of users through marketing campaigns and calculate a set of elasticity scores for the set of users in response to the marketing campaigns in the hierarchical segments. The method may further include generating item recommendations for the set of users based on the graph network. The method may further include executing a machine learning model to generate an uplift score for each user from the set of users based on at least one of the raw interaction data, the set of rankings, hierarchical segments, the set of elasticity scores, or the item recommendations.

Abstract: Provided are systems and methods for segmenting and grouping a plurality of network nodes into one or more clusters. Content may be delivered from a transmitting user node to a receiving user node based on which cluster the receiving user node resides. The grouping of the clusters may be dynamically updated in real-time based on user activity data. Such user activity data may be collected from both a transmitting user node (e.g., server) and a receiving user node (e.g., user device) to map the delivery of a relevant communication. Advantageously, a transmitting user may deliver content to other relevant users and a receiving user may receive content from other relevant users.

Abstract: Methods, systems, and computer program products for providing enhanced mobile transactions and payments are disclosed. A computer-implemented method may include receiving a request to provide an enhanced merchant experience available for a merchant to one or more consumers participating in mobile transactions with the merchant, receiving a merchant identifier from a system involved in processing a mobile transaction for the merchant, determining whether to provide the enhanced merchant experience to a user involved in the mobile transaction with the merchant, determining when to provide the enhanced merchant experience to the user involved in the mobile transaction with the merchant, and providing the enhanced merchant experience to the user involved in the mobile transaction with the merchant during the transaction, at completion of the transaction, or after completion of the transaction.

Abstract: A system and method are disclosed herein. The system includes one or more processors and a memory having programming instructions stored thereon, which, when executed by the one or more processors, performs operations. The operations include retrieving historical account activity. The operations further include constructing a training data set that includes the historical inflow data, the historical outflow data, and known forecast information from the historical account activity. The operations further include generating a combined prediction model configured to forecast future inflow activity and future outflow activity. The operations further include receiving current inflow activity, current outflow activity, and current balance information for a user.

Abstract: Systems and methods are described for receiving behavior data associated with a plurality of users, generating a predictive model, receiving location data associated with the plurality of users, receiving service provider utilization data, determining, based on the predictive model, the location data, and the service provider utilization data, one or more recommended awards, transmitting to a subset of the plurality of users an offer to exchange a number of points to enter a drawing to win the one or more recommended awards, and receiving one or more requests to enter the drawing to win the one or more recommended awards in exchange for points.

Abstract: A process for controlling device use, the process comprising: receiving, from a first user having a token credit amount, a request to use a play app having a required token amount; determining a play response based on the token credit amount, wherein the determination corresponds to the following: if the token credit amount is greater than the required token amount, then the request is granted; and if the token credit amount is less than the required token amount, then the request is denied.

Abstract: A system and method are provided for managing loyalty program accounts. The method is executed by a device and includes providing, from the device, access to a loyalty wallet application. The method also includes storing loyalty account information for a plurality of loyalty accounts in the loyalty wallet application and integrating a loyalty tracking application, operable from the device, with at least one transaction channel accessed via the device. The method also includes receiving transaction data from the at least one transaction channel; detecting, from the transaction data, that a transaction yet to be executed is eligible for a loyalty reward associated with one or more of the plurality of loyalty accounts; and modifying the transaction to use corresponding loyalty account information to obtain the loyalty reward. The method also includes enabling the modified transaction to be completed to obtain the loyalty reward.

Abstract: A method to calculate discounts based on a quantity of visits to a business during a time period is described. A request is received from a first user identified as a customer for a service to be performed at the business during a first time period. If the first time period is within a predetermined time period, a quantity of visits of the customer to the business during the predetermined time period is identified, a first discount is generated based on a first quantity of visits of the customer to the business during the predetermined time period, and a second discount is generated based on a second quantity of visits of the customer to the business during the predetermined time period. The first quantity of visits is greater than the second quantity of visits and the first discount is greater than the second discount.

Abstract: Introduced here are computer programs and associated computer-implemented techniques for guaranteeing a cardholder her reward for using a specialized payment card to complete a transaction based on the price of an asset when the transaction actually occurs. Acting as a digital safeguard, the technology ensures that a platform responsible for disbursing the asset will be able to account for ineligible transactions. The technologies described herein may allow the cardholder to benefit from having her reward invested in a lower risk manner. Moreover, these technologies may allow the cardholder to benefit from gains in the value of the asset over the course of a payment cycle in contrast to conventional loyalty programs.

Abstract: Sharing data by defining a data encoding table, maintaining a data record database, defining a data encryption code, providing the data encryption code with an outgoing call, receiving an audio response including encrypted data, decrypting the encrypted data, and updating the data record database according to the data.

Abstract: An identification system uses a local cache for performing identifications. An identity system device may store identity information and identification information. An electronic device stores a cache of a portion of the identity information and a part of the identification information. The electronic device receives user input, determines an identity by comparing the user input to the cached identification information (such as by comparing a received digital representation of a biometric with cached biometric identification information), and performs an action using information in the cached identity information that is associated with the identity. The electronic device may update the identity information stored by the identity system device based on the action.

Abstract: An identification system uses a local cache for performing identifications. An identity system device may store identity information and identification information. An electronic device stores a cache of a portion of the identity information and a part of the identification information. The electronic device receives user input, determines an identity by comparing the user input to the cached identification information (such as by comparing a received digital representation of a biometric with cached biometric identification information), and performs an action using information in the cached identity information that is associated with the identity. The electronic device may update the identity information stored by the identity system device based on the action.

Abstract: A system includes an application programming interface, a database, and a server. The application programming interface can make recommendations to a user at a point of sale to display a recommended payment method from a set of payment methods associated with the user. The database can store past transactions for each payment method in the set of payment methods. The server can generate payment analytics by analyzing the past transactions in the database for each payment method. The server can determine potential benefits available to the user. The server can determine the recommended payment method by using the payment analytics and maximizing the potential benefits available to the user.

Abstract: A workflow management system enables an entity to store information components in one or more publicly accessible databases, the information components associated with an acquisition by the acquisition entity. A unique entity identifier is associated with the information components in the databases, such that when reviewing entities access the information component via the databases and perform a similar event, a similar event object with the unique entity identifier is transmitted to the workflow management system. The information components may also be distributed by secondary entities, which may be automatically selected by the workflow management system based on historical data associated with respective secondary entities. When event objects initiated by information components stored by a secondary entity are received at the workflow management system, some or all of a maximum value increment associated with the acquisition is partitioned between the secondary entity and the acquisition entity.

Abstract: Provided are systems and methods for segmenting and grouping a plurality of network nodes into one or more clusters. Content may be delivered from a transmitting user node to a receiving user node based on which cluster the receiving user node resides. The grouping of the clusters may be dynamically updated in real-time based on user activity data. Such user activity data may be collected from both a transmitting user node (e.g., server) and a receiving user node (e.g., user device) to map the delivery of a relevant communication. Advantageously, a transmitting user may deliver content to other relevant users and a receiving user may receive content from other relevant users.

Abstract: A method, apparatus, and computer program product are disclosed. The method includes calculating hidden demand for one or more time slots, the one or more time slots defining a time duration during which a performance of a service offered by a promotion and marketing system can be performed. The method further includes determining a booking limit for each time slot of the one or more time slots based on the calculated hidden demand for the time slot and a determined capacity for the time slot, determining that one or more of the time slots comprise available time slots based on a comparison of the booking limits for the one or more time slots to a number of bookings for each of the time slots, and displaying the one or more available time slots in conjunction with the particular promotion A corresponding apparatus and computer program product are also provided.

Abstract: A method for homogenizing payment transaction data acquisition from disparate merchant points of sale includes tracking payment card transactions between enrolled payment cardholders and enrolled merchants, based on the tracked payment card transactions creating a database of rewards eligible transactions, and querying the database of rewards eligible transactions and creating a homogenized transaction database including a specific set of transaction datums retrieved from the database of rewards eligible transactions, wherein the homogenized transaction database includes transaction, information from at least a first transaction involving a first merchant using a first point of sale system and a second transaction involving a second merchant using a second point of sale system, the first point of sale system and the second point of sale system differing from one another.

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 computer-implemented method for post-acquisition assessment matching may include: receiving interaction information associated with a completed interaction involving an item acquired for a first assessment, the interaction information including an item identifier associated with the acquired item and the first assessment; in response to receiving the interaction information, determining whether the item is available for a second assessment based on the item identifier; in response to determining the second assessment for the item, comparing the first assessment with the second assessment; and in response to determining that the first assessment is higher than the second assessment based on the comparison: adjusting the first assessment based on the second assessment; determining a finalized amount for the interaction based on the adjusted first assessment for the item; and causing completion of the interaction based on the finalized amount.

Abstract: A system for identifying a consumer at a retailer point of sale (POS) incorporates a virtual wallet database that contains consumer records. A consortium processor utilizes a database or databases with information known to the electronic tender provider but not available to the virtual wallet database. If the identifying data from the retailer POS hardware does not match any data from the virtual wallet database, an enhanced trade area append processor is employed to find a matching consumer within the retailer POS trade area. If a match is found, the applicable address is attached to the consumer data captured at the POS. A record is then sent to the consortium processor, which compares this data to its own records and returns a match or no-match result. The virtual wallet database is updated based on the match results.

Abstract: According to one embodiment, an information processing apparatus includes: an access detector configured to detect an access request for target data; and a determiner configured to determine necessity of checking information indicating whether access to the target data is permitted, based on position information on the target data, and on a data range to be checked.