Abstract: Some examples described herein relate to computer interfaces and authentication protocols for securely linking and transferring content between online accounts. In one example, a system can provide a graphical user interface (GUI) with multiple interactive interface pages, through which a user can selectively transfer content from a first online account to a second online account. For example, the user can select to transfer points from the first online account to the second online account. The system can then transfer of the selected content from the first online account to the second online account. To perform this transfer, the system can employ multiple layers of authentication and other security mechanisms. For example, the system can employ two or more layers of authentication and a unique external identifier to perform the transfer. Following the transfer, the GUI can be updated to reflect the results of the transfer.

Abstract: A reward points transfer system and process using blockchain is disclosed. Transaction account issuers may write reward transfer messages to the blockchain to initiate a transfer of reward points for a transaction account holders account to one or more rewards partners. Rewards partners may retrieve the reward transfer messages from the blockchain, and write a reward transfer response message to the blockchain to confirm receipt of the reward points transfer and to update the status of the transfer. The transaction account issuers and rewards partners may encrypt the messages and generate hashes based on the messages prior to writing to the blockchain, to ensure that the messages are not tampered with during the transfer process.

Abstract: Disclosed is a method, a device, and/or a system of validation of opportunity completion criteria submitted by an authenticated user claiming a reward upon completing a task from an opportunity feed. In one embodiment, a device for validating transactions triggering association of a reward with a user profile upon completion of a task includes an authentication module and a completion criteria engine. A set of computer readable instructions, when executed, receive a completion data generated upon completion of the task described in an opportunity feed stored on a computing device of the user. The completion data is associated with an opportunity profile and specifies the reward for the completion of the task as determined through meeting an opportunity completion criteria. The device then validates the completion data by comparison to the opportunity completion criteria, references the reward, and associates the reward with the user profile.

Abstract: A method for processing a transaction initiated using an electronic wallet application may include storing a virtual payment device configured to initiate a transaction. A rewards inquiry may be communicated to an issuer. A rewards inquiry response may be received from the issuer containing a rewards amount associated with the virtual payment device. The rewards amount may be displayed. A transaction may be initiated with a merchant using the virtual payment device. A redemption request may be communicated to the issuer. A redemption response including an updated rewards amount may be received from the issuer and include a difference between the rewards amount and the rewards amount applied toward the transaction. A system and computer program product are also disclosed.

Abstract: A food portioning system may include a food plate body and a scale associated with the food plate body to sense a weight of food carried thereby. The system may also include wireless communications circuitry coupled to the scale, and a mobile wireless communications device associated with a given user. The mobile wireless communications device may be configured to obtain a user-selected food recipe from the given user, obtain user health data associated with the given user, and obtain a desired consumable food weight for the food plate body based upon the user-selected food recipe and the user health data associated with the given user. The mobile wireless communications device may also be configured to wirelessly communicate with the wireless communications circuitry to obtain a sensed consumable food weight, compare the sensed consumable food weight with the desired consumable food weight, and generate a notification based upon the comparing.

Abstract: Multifactor authentication techniques described herein may allow a user to submit a recent proof of purchase as a part of a multifactor authentication process to access an account associated with a financial institution. As part of the login process, the user may submit a proof of purchase associated with a transaction. The financial institution may determine information associated with the transaction, such as a merchant associated with the proof of purchase, a time of the transaction, the last four numbers of the transaction card used, a dollar amount, or any combination thereof. If the information matches one or more records in the transaction history of the user's account, the financial institution may authenticate the user and provide access to the account. In this way, the financial institution may leverage transaction history known to the financial institution and the user to authenticate the user.

Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically providing linking partner loyalty rewards accounts using authorized user and primary user information associated with an account. One example method includes authenticating a user at a partner system, and receiving from the user information associated with an account. The information associated with user's account is communicated to a financial institution system via an API where the user can then be verified as an authorized user on an account. The financial institution system then provides the partner system with information associated with the primary user of the account, and the partner system can link a loyalty account of the primary user with the loyalty account of the authenticated user.

Abstract: A carsharing system includes circuitry configured to: receive, from a user, a usage request for requesting a reservation for use of a vehicle which is supplied for a vehicle rental service; permit the reservation for use of the vehicle when the reception unit receives the usage request and no reservation for use of the vehicle has been made at time of receiving the usage request; and give, when the reservation for use of the vehicle is determined, a permission for locking or unlocking by using electronic information to the user at a date and a time on which the vehicle is used.

Abstract: A carsharing system includes circuitry configured to: receive, from a user, a usage request for requesting a reservation for use of a vehicle which is supplied for a vehicle rental service; permit the reservation for use of the vehicle when the reception unit receives the usage request and no reservation for use of the vehicle has been made at time of receiving the usage request; and give, when the reservation for use of the vehicle is determined, a permission for locking or unlocking by using electronic information to the user at a date and a time on which the vehicle is used.

Abstract: A computer server includes a processor that is configured to receive an incoming authorization request that includes an original numeric value and an identification number, and locate a profile that is associated with the identification number. The located profile includes at least one adjustment criterion. The processor is configured to determine a primary numeric value and a secondary numeric value from the original numeric value and the adjustment criterion, confirm that the secondary numeric value is not greater than a balance value in a loyalty points account associated with the identification number, and reduce the balance value in the loyalty points account by the secondary numeric value. The processor is configured to, after confirming the secondary numeric value, generate a revised authorization request and transmit the revised authorization request to an authorization server. The revised authorization request includes the identification number and the primary numeric value.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for a virtual objection distribution method are provided. One of the methods includes: performing an image scanning to a local environment of a user; conducting image identification to an acquired image; acquiring an electronic certificate from a server if an image identifier is identified in the image; saving the electronic certificate; and, in response to a determination that a category count of the received electronic certificates reaches the threshold, sending to the server a virtual object distribution request to cause the server to distribute a virtual object to the user. This method significantly increases interactivity and entertainingness of a virtual object distribution process.

Abstract: A carsharing system includes circuitry configured to: receive, from a user, a usage request for requesting a reservation for use of a vehicle which is supplied for a vehicle rental service; permit the reservation for use of the vehicle when the reception unit receives the usage request and no reservation for use of the vehicle has been made at time of receiving the usage request; and give, when the reservation for use of the vehicle is determined, a permission for locking or unlocking by using electronic information to the user at a date and a time on which the vehicle is used.

Abstract: Provided is a method for providing installment payment options for a payment transaction. The method may include communicating, to a customer device, installment payment data associated with a plurality of installment payment options. A first authorization request for a payment transaction with a customer may be received from a merchant system. The first authorization request may include at least one field including first installment payment data associated with a first installment payment option. A first lender system associated with the first installment payment option may be determined. A second authorization request, which may include the first installment payment data, may be communicated to the first lender system. An authorization response may be received from the first lender system indicating approval of the first installment payment option for the payment transaction. The authorization response may be communicated to the merchant system. A system and computer program product are also disclosed.

Abstract: An energy-saving promotion achievement-evaluating device is provided in which: a population-constituting user identification information-obtaining unit comprises a population-constituting group identification information-obtaining means for obtaining population-constituting group identification information for obtaining, as comparison targets, a plurality of groups identified by group identification information for identifying a group constituted by a plurality of pieces of user identification information as the comparison target; and an energy-saving promotion achievement evaluation result-obtaining unit comprises a group-energy-saving promotion achievement evaluation result-obtaining means for obtaining energy consumption achievement data of the group identified by the population-constituting group identification information obtained by the population-constituting group identification information-obtaining means as an energy-saving promotion achievement evaluation result in association with the group identi

Abstract: Systems and methods for voice-enabled transactions are disclosed. A merchant system may generate a transaction request comprising a transaction amount and a merchant identifier. The merchant system may invoke an audio signal generator to generate an audio transaction signal comprising the transaction request data. A voice assistant may play the audio transaction signal. The user initiating the transaction may use a mobile device to detect and ingest the audio transaction signal. In response to detecting and ingesting the audio transaction signal, the mobile device may interact with a payment network to authorize, process, and complete the transaction request. The payment network may transmit a transaction approval to the merchant system.

Abstract: An installation assist apparatus according to an embodiment of the present disclosure includes hardware processor configured to: receive an input of installation positions of first and second optical wireless communication devices performing optical wireless communication and an input of an angle of elevation representing an inclination of an optical axis center line to a horizontal line, the optical axis center line connecting the first and second optical wireless communication devices; determine whether each of the first and second optical wireless communication devices is affected by solar light, the determination being carried out based on the installation positions of the devices, the angle of elevation, an influence angle representing a maximum value of an incident angle of solar light affecting the devices, and solar positions through a whole year; and cause a display device to display a result of the determination.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for a virtual objection distribution method are provided. One of the methods includes: performing an image scanning to a local environment of a user; conducting image identification to an acquired image; acquiring an electronic certificate from a server if an image identifier is identified in the image; saving the electronic certificate; and, in response to a determination that a category count of the received electronic certificates reaches the threshold, sending to the server a virtual object distribution request to cause the server to distribute a virtual object to the user. This method significantly increases interactivity and entertainingness of a virtual object distribution process.

Abstract: Disclosed is a method, a device, a system, and/or a manufacture of user engagement based on a revolving opportunity feed delivering rewards of a business profile based on completion criteria. In another embodiment, a method includes determining a computing device storing an opportunity feed. The method references a feed population ruleset to determine an addition to the opportunity feed based on a repopulation condition. A selection algorithm is then applied to determine an opportunity profile to transmit to the computing device. An opportunity data is extracted from the opportunity profile and transmitted to the computing device over a network. A completion data is validated by comparing the completion data to an opportunity completion criteria of the opportunity profile. A reward is referenced in the opportunity profile, the opportunity data is designated as completed by the user profile ID, and the reward is associated with the user profile.

Abstract: The Power Buy System includes a computer based platform wherein sellers and buyers log into a website having a pre-configured Power Deal listing on an item. The pre-configured Power Deal listing may set forth one or more tier pricing based on quantity. The pre-configured Power Deal or the new Power Deal may be activated upon commitment from a first buyer. The buyer is provided tools to encourage other social media contacts to purchase an item in order to aggregate a larger buyer collective and sellers are allowed to offer a lower price than what is stated in the buy now price to further encourage additional buyers participation so that more items may be sold.

Abstract: A method of enhanced interaction between a first computing device and a second computing device is described. A first channel for connection between the first computing device and the second computing device using a short range communication technology and a second channel for communication between the first computing device and the second computing device using a communication technology are established. A first interaction is performed using the first channel and an additional interaction is performed using the second channel. Suitable first and second computing devices are also described.

Abstract: A request is received at a server and from a first software client to obtain at least one electronic credential, and the first software client is associated with a first user, and the server stores multiple electronic credentials that are used to extract a service object; at least one electronic credential is transmitted from the server to the first software client based on a predetermined rule; an allocation request is received at the server to extract the service object, and the allocation request includes electronic credentials selected from electronic credentials obtained by the first software client; a number of categories of the selected electronic credentials that included in the allocation request is determined to be is greater than or equal to a predetermined number; and the service object that selected from a service object set is allocated to the first software client based on a predetermined allocation rule.

Abstract: A request is received at a server and from a first software client to obtain at least one electronic credential, and the first software client is associated with a first user, and the server stores multiple electronic credentials that are used to extract a service object; at least one electronic credential is transmitted from the server to the first software client based on a predetermined rule; an allocation request is received at the server to extract the service object, and the allocation request includes electronic credentials selected from electronic credentials obtained by the first software client; a number of categories of the selected electronic credentials that included in the allocation request is determined to be is greater than or equal to a predetermined number; and the service object that selected from a service object set is allocated to the first software client based on a predetermined allocation rule.

Abstract: A mobile loyalty system for preventing fraudulent redemption of a reward is disclosed which comprises a mobile communication device having a screen and configured to run a mobile application for obtaining a code representative of a visit to a merchant, the mobile application for transmitting information associated with obtaining the code representative of the visit to the merchant and for receiving information associated with a reward to be redeemed at the merchant, the screen for displaying the reward to be redeemed and a motion element for preventing fraudulent redemption of the reward.

Abstract: Electronic payment card processing systems and methods include at least one host computing device that accepts transaction data as payment card transactions are made and processed over the multi-party payment processing network. Based on the accepted transaction data, the host computing device identifies a first payment card transaction between a first enrolled cardholder and a first enrolled merchant that includes a delivery of a first good to a location that is within a predefined geographic area including the first enrolled merchant. The host computing device retrieves at least one incentive offer relating to a second enrolled merchant and involving a delivery of a second good within the predefined geographic area, and sends the at least one incentive offer to additional enrolled cardholders within the predefined geographic area.

Abstract: Methods and systems for regulating generation of units according to at least one encryption technique associated with a blockchain are disclosed. In some embodiments, a system includes a communication device configured to communicate with a computing device executing an application and a processor configured to execute instructions to perform operations. The operations include receiving transaction information describing a transaction; based on the transaction, determining product awards for at least one product awards program for the transaction; using the blockchain, determining a real-time conversion rate for the transaction, where the real-time conversion rate is regulated by the at least one encryption technique; based on the real-time conversion rate, converting the product awards to units; and entering into the blockchain encrypted data associated with the transaction, wherein the encrypted data is encrypted according to the at least one encryption technique.

Abstract: Methods, systems, and computer program products for incentivizing adoption of predefined practices using digital transactable assets are provided herein. A computer-implemented method includes processing measurements from a collection of activity meters over a predetermined period of time, wherein each of the activity meters is linked to at least one user, and wherein the measurements represent user activity in furtherance of a predefined objective; generating units of a digital transactable asset to be allocated among the users in connection with the predefined objective; allocating the generated units of the digital transactable asset among the users based on said processing; and converting the generated units of the digital transactable asset allocated to each of the users to an alternative value source upon completion of (i) the predefined objective and/or (ii) the predetermined period of time.

Abstract: The present inventive concepts encourage users to actively form friend relationships and also incentivize users to actively utilize services provided by an SNS and the like by assigning ranks to users in consideration of the users' friend relationships. A management server including a memory configured to store computer-readable instructions, and one or more processors configured to execute the instructions to determine a personal rank of a target user based on a personal utilization record for the target user, obtain the personal rank of at least one related user who is associated with the target user, and derive an overall rank of the target user based on the personal rank of the at least one related user and the personal rank of the target user may be provided.

Abstract: A method for sharing consumer data with a merchant includes: storing, in an account database at least one account profile, wherein each account profile includes data related to a transaction account including at least an account identifier and a plurality of sharing data values; receiving, from a point of sale device, an authorization request for a payment transaction, wherein the authorization request includes at least a specific account identifier and a sharing request; identifying, in the account database, a specific account profile where the included account identifier corresponds to the specific account identifier; identifying, in the specific account profile, one or more sharing data values of the plurality of sharing data values for sharing to the point of sale device; and transmitting, by a transmitting device, the identified one or more sharing data values to the point of sale device.

Abstract: Disclosed are a mobile terminal having a payment function and a control method thereof. The mobile terminal includes a display unit configured to display screen information regarding purchase of and payment for the product, a memory including information regarding a plurality of different payment interfaces, and a control unit configured to, when the payment for the product is requested, allow the payment to be made through any one of the plurality of different payment interfaces based on an action of a user sensed before the payment is requested.

Abstract: A computer-implemented system and method that includes receiving, by a mobile wallet bank computer system, a product code that identifies a product after a user of a mobile device has been authenticated, determining, by the mobile wallet bank computer system, the identity of a merchant from a plurality of merchants based on at least a portion of the product code, sending, by the mobile wallet bank computer system, the received product code to a merchant computer, sending, by the mobile wallet bank computer system, information regarding the product and merchant bank information, and transferring, by the mobile wallet device, a payment for the product to a merchant bank from an account held by the user based on the information sent.

Abstract: A system is configured to determine a conversion rate associated with a loyalty program offered by a merchant. The conversion rate may specify a monetary value allotted to a loyalty point in the loyalty program. The conversion rate, associated with the loyalty program, may change over time. The conversion rate may be determined without user input specifying the conversion rate. The system is configured to receive an instruction to lock the conversion rate for a period of time; lock the conversion rate as a locked conversion rate for the period of time based on the instruction; and permit the locked conversion rate to be used to apply a discount to a purchase during the period of time. The locked conversion rate at a time of the purchase may be different from the conversion rate offered by the loyalty program at the time of the purchase.

Abstract: A method and program product includes accessing a customer account on a server system. A revolving list of tasks associated with the customer account is received. The revolving list of tasks at least includes a plurality of businesses and at least one action to be completed for each business. The plurality of businesses are selected by the server system from a group of associated businesses using a selection algorithm. The selection algorithm at least in part uses a random selection. A completion of a one of the tasks is communicated, wherein the server system removes the task from the list creating an empty slot, and assigns a reward to the customer account.

Abstract: An apparatus for automated electricity demand response based on online trading of demand side resources. The apparatus includes a communication unit, a demand response management system, an utility grid management system, and a demand response resources in use; a database; and a demand response processing unit configured to receive an electricity demand reduction instruction message according to a certain demand response service contract condition in the demand response management system.

Abstract: When a trading system receives a request from an employee to trade leave time for a related value, the trading system communicates with an employer system to request a value of leave time accrued by the employee. The employer system transmits the value of leave time to the trading system, and the trading system converts the value of leave time into a related value. Through the trading system, the employee can use the related value to purchase items from one or more merchants.

Abstract: Introduced herein is a method and system that enhances the number of real world meetings between online friends of social networking sites (SNS). The method and system is configured to work in perfect alignment with one or more SNS. The method and system provides an incentive for users who are connected on the SNS to meet in the real world. The incentive is provided through a dynamic meeting platform system that allows third party sponsors to work with SNS to reward users for real-world meetings. By increasing the frequency of meeting between the users, the method and system creates greater alignment between the online social life and conduct and the real-world social life and conduct, increasing the quality of life for the users. Further, such greater alignment helps expand the growth of SNS.

Abstract: A computer system may notify a user about personally attended services satisfying temporal-spatial criteria. The computer system may use a user location and/or information on already scheduled events to determine whether a personally attended service satisfies the temporal-spatial criteria. Travel time may be determined and included when determining whether the personally attended service conflicts with an already scheduled event. The temporal-spatial criteria may also include availability of the personally attended service. A user profile and/or third party information may be used to determine if a user is available and/or would be receptive to a personally attended service. The user profile may be generated from third party information, such as contained in an online social network, and/or learned. The user may be able to reserve the personally attended service through the computer system.

Abstract: There are provided systems and methods for using a wireless beacon to provide access credentials to a secure network. A network access device, such as a WiFi router, may provide a secure wireless network requiring access credentials to access the network. For example, the network may be password protected to prevent unauthorized used. Additionally, the network may have various levels of use, such as access depending on a security clearance for a user or data transfer and usage rates. Each of the various levels of use may require a separate access credential. A wireless beacon may be configured to connect to user devices that are near or within an area covered by the network. The connection between a user device and the beacon may be utilized to determine the proper access credential for the user device and push the access credential to the user device.

Abstract: A system and method configured to use an authorization messaging system for payment processing to communicate, in real time during authorization of a payment transaction, loyalty reward information, such as reward balance and conversion rate between a loyalty currency and a payment currency. For example, loyalty currency conversion rate is provided in real time via the authorization response that also provides the loyalty currency balance that is redeemable for the payment transaction. The system and method allows the conversion rate to be customized and/or personalized based on the identities of the user, the merchant and the loyalty program. Merchant may provide add-on offers for certain users.

Abstract: The systems and methods for redemption of loyalty points to satisfy a transaction are provided. The systems and methods may include APIs that are capable of determining a balance of loyalty points in response to initiation of a payment transaction at the POS. The system may also include APIs that are configured to authorize the transaction. In this regard, the APIs may initiate their requests such that, the results of the requests (e.g., the loyalty point balance and the authorization) are received at substantially the same time.

Abstract: A wireless network authorization system receives an authorization request for a wireless communication device transmitted from a visited wireless network. A processing system selects one of a simple internet connection and an encrypted internet connection for the wireless communication device in response to the authorization request. The communication interface transfers an authorization response for delivery to the visited wireless network indicating the selected one of the simple internet connection and the encrypted internet connection.

Abstract: An intelligent payment card and a method for performing a financial transaction using the payment card are disclosed. The payment card includes inter-alia a biometric sensor, an input module, and a display screen. The payment card is activated when a primary user successfully authenticates himself by the way of providing valid finger print(s) to the biometric sensor of the payment card. The payment card is removably embedded with criteria that dictate at least a maximum transaction amount, maximum number of transactions to be performed on the card and maximum threshold time for completing a transaction. The payment card also includes a processor unit which compares the authorization code input by the user with a unique identification number stored within the payment card, and upon successful authentication enables the user to perform desired financial transaction and also ensures that the removably embedded criteria are not violated during the financial transaction.

Abstract: Mobile payment systems and methods allow a customer to make payments at a point-of-sale device using their mobile device. In the mobile payment method, a single bundle of transaction information is received at an aggregator server from a mobile device and the server creates a bundle ID for the received bundle. The bundle ID is sent to the mobile device, which presents it to the POS device. The POS device sends the received bundle ID back to the aggregator server and, if the bundle ID matches the expected ID, then payment processing is initiated according to preferences outlined in the transaction information.

Abstract: A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction. During the authorization and/or within a time window after the authorization, but before the settlement of the payment transaction, the user may provide a confirmation message that may accept, reject, or modify the redemption details. A transaction handler is configured to authorize and/or settle the payment transaction, as modified by the redemption details initially computed by the rule engine and subsequently confirmed, rejected or modified by the user via an optional confirmation message.

Abstract: A campaign offers and rewards system includes an offer serving engine, and an analytics engine with data intelligence. The analytics engine compares information about similar goods or services sold by different entities, manufacturers or service providers to create product and service categories. A redemption engine is included.

Abstract: A system including a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing a user of a payment account, into separate transactions with the issuer processor and one or more sponsor processors in control of reward accounts of the user for the redemption of loyalty rewards. User preferences and rules of the loyalty programs for the redemption of the loyalty rewards are stored to facilitate the determination of the redemption details in an automated way, such that the user (and/or the merchant) does not have to specify the redemption details. A portal may optionally notify the user of the award/redemption of the benefit of an offer using a communication channel separate from the transaction terminal that initiates and approves the transaction between the account holder and the merchant.

Abstract: A transaction is conducted at a merchant location using redeemed loyalty points maintained in a loyalty point account for a customer. The transactions are conducted using a mobile device at a POS terminal. In response to receiving a customer ID from the mobile device, a loyalty server provides the monetary value of loyalty points. The customer may use the mobile device to redeem those points and have the value transferred into a financial account. A payment processing system connected to the POS terminal completes the transaction using the financial account.

Abstract: A system and method for operating a reward points accumulation and redemption program wherein a user earns reward points from a plurality of independent reward points issuing entities, with each tracking the user's earned reward points in a user reward point account stored on a multi-function card (such as a frequent flyer account or a credit card loyalty account). The multi-function card is adapted to aggregate some or all of the user's earned reward points from the reward accounts and credit the aggregated points into a single reward exchange account on the multi-function card. The user may then select an item for purchase with the accumulated reward points from the multi-function card. The item is provided to the user in exchange for a subset or all of the reward points from the multi-function card.

Abstract: Systems and methods for controlling redemption of an electronic coupon involve issuing an electronic coupon with a predetermined redemption characteristic and later updating the redemption characteristic of the electronic coupon based on one or more factors.

Abstract: Described herein are apparatus and methods for collecting and manipulating transaction data.

Abstract: Systems, apparatuses and methods for dynamic targeting of advertising campaigns to consumers are described, which systems, apparatuses and methods may enable a merchant to offer an exclusive price point to one or more consumers that may be particularly receptive to the exclusive price point. An example system for providing an exclusive price point to a consumer for products in an electronic shopping cart of the consumer includes a processor, storage, and memory with instructions for hosting an electronic marketplace, gathering and generating product and consumer data, and/or providing affinity data to a merchant for use in targeting an advertising campaign.