Abstract: A terminal of a viewer who views a live-stream includes one or more processors, and memory storing one or more computer programs configured to be executed by the one or more processors. The one or more computer programs includes instructions for: causing transition from a live-stream screen to a post-stream screen when a distributor of the live-stream ends the live-stream, the live-stream screen showing a video image generated by a terminal of the distributor, the post-stream screen showing a predetermined image; and accepting an instruction to use a gift from the viewer on the post-stream screen.

Abstract: Various embodiments provide advertising that is aware of digital coupon states and user states. Digital coupons can be issued to users and redeemed with third party retailer systems and/or point of sale systems. An advertisement including a digital coupon to be presented to a user is determined. Data encoding the advertisement is sent to the third party retailer system or the point of sale system.

Abstract: In a promotion offering system, a promotion offering may be presented to a consumer on more than one occasion. The previous presentation of the promotion to the consumer may affect a subsequent presentation of the same promotion to the same consumer. The present invention provides an apparatus and method for analyzing the effect a previous presentation of a promotion may have on a consumer when the promotion is presented to the consumer at a subsequent time.

Abstract: A method includes establishing an agreement between a first issuing server and a second issuing server regarding first exchange items to have an extended use. The method further includes establishing control of an exchange item of the first exchange items in accordance with a trust approach that includes the marketplace server utilizing a private key of a marketplace private/public key pair to generate a digital signature over a public key of the marketplace private/public key pair and exchange item information regarding the exchange item to produce a portion of a transactions blockchain. The method further includes transferring control of the exchange item to a user computing device. The method further includes receiving a request for use of the exchange item from a merchant server regarding a transaction by the user computing device and processing the request for use of the exchange item in accordance with an exchange item rule.

Abstract: Systems and methods are provided for presenting information about discrete geographical areas and the use of such information by content providers to facilitate delivery of targeted or geographically relevant content to information playback devices located in one or more particular discrete geographical areas. Data (e.g., contextual, behavioral, predictive, trending, geo-consumer patterns) can be collected and associated with relevant virtual cells within a grid. A portal can be provided to enable content provider to search the cells based on customized campaigns to identify trends, interest, patterns and opportunities. Such information can facilitate informed geo-targeting decisions and consumer understandings for business of all sizes and sectors in order to deliver more relevant content to information playback devices within selected cells according to customized settings configured by the content provider.

Abstract: The present disclosure is directed toward a system that allows a promotion and marketing system to provide promotions to users of the promotion and marketing system for establishments that are currently not affiliated with the promotion and marketing system.

Abstract: Methods, systems and device for verifying a transaction in a loyalty or advertising system are described. One such method includes: receiving, at least one processor, transaction data associated with a transaction between a customer and a merchant; determining, at the at least one processor, from the transaction data whether the customer and the merchant are associated with the loyalty or advertising system; and upon determining from the transaction data whether the transaction corresponds to a reward or advertisement, triggering the redemption of the reward or advertisement.

Abstract: Examples described herein relate to apparatus and methods for managing rewards for a customer of a financial institution, including but not limited to, determining a transaction pattern associated with transactions made by the customer, determining a deviation from the transaction pattern, determining an event associated with the customer based on the deviation, and determining rewards that correspond to the event for the customer.

Abstract: In some embodiments, a computer-implemented method for automatically choosing an ordering interface to be presented is provided. A computing system stores a first ordering rule definition and a second ordering rule definition. The first ordering rule definition includes at least one condition for disabling the first ordering rule definition. The computing system receives a request to present an ordering interface for a first order. In response to determining that the at least one condition for disabling the first ordering rule definition has not been met, an ordering interface is presented based on the first ordering rule definition. In response to determining that the at least one condition for disabling the first ordering rule definition has been met, an ordering interface is presented based on the second ordering rule definition.

Abstract: A portable information device includes: an image sensor; a position information acquisition portion that outputs position information; an orientation sensor; and a display that displays an image of an object output from the image sensor and displays relevant information on the object, the relevant information on the object being obtained based on at least measurement data from the position information acquisition portion and the orientation sensor.

Abstract: A promotion processing system may include a user device associated with a given user, and a promotion processing server configured to generate promotional content. The promotional content may include a link to a given image corresponding to a digital promotion. The promotion processing server may also communicate the promotional content to the user device. The user device may communicate a request to the promotion processing server for the given image based upon the link, and communicate a user identifier associated with the given user to the promotion processing server. The promotion processing server may select the given image based upon the link and the user identifier, communicate the given image to the user device for viewing with the promotional content, and save the corresponding digital promotion to a digital wallet associated with the given user based upon the image being displayed at the user device.

Abstract: Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.

Abstract: Systems, methods and apparatuses for implementing user customizable policies for revenue recognition are described. In some embodiments, a method comprises: tracking, by a network commerce system, a plurality of transactions; determining one or more revenue recognition rules of a plurality of revenue recognition rules that applies to each transaction of the plurality of transactions based on results of matching performed between conditions of each of the plurality of revenue recognition rules and one or more characteristics of said each transaction, the conditions of each rule including an effective time period during which individual transactions are subject to the rule; and automatically performing revenue recognition for each transaction according to one of the one or more revenue recognition rules determined to apply to said each transaction using based on results of matching conditions of one revenue recognition rule and the one or more characteristics of said each transaction.

Abstract: The principles and embodiments of the present invention relate to a system for facilitating an interaction between a person (group or sponsor) and a merchant. In some embodiments, a system is provided in which the person electronically institutes a promise to spend a specific amount of money on purchases with the particular merchant in a specific time period and the merchant electronically institutes a savings offer on transactions made using a credit or debit card in exchange for the customer setting aside the predetermined amount of money. The system can comprise an account management system, user interface, first communication system, merchant interface system, second communication system and payment processor that may be dispersed elements or nodes interconnected by communication lines.

Abstract: According to one embodiment, an information processing device includes a hardware processor configured to acquire operation cost information indicative of a relationship between a state of an operator and a period of time required for the operator to perform an operation from a storage that stores the operation cost information, acquire state information indicative of a state of a target operator, and calculate a period of time required for the target operator to perform a target operation based on the operation cost information and the state information.

Abstract: A point saving system for pension payment according to one embodiment of the present disclosure comprises: a customer terminal in which an application for customers is installed configured to make a payment by using an account that is pre-registered in the application for customers; an affiliated store terminal in which an application for affiliated stores is installed, configured to receive customer information on customers from the customer terminal, and transmit an amount of payment, together with the received customer information, to a main server; and the main server of a company configured to receive the customer information and the amount of payment from the affiliated store terminal, save points, for each customer, that correspond to a certain percentage of the received amount of payment on the basis of the received customer information, set levels of the customers on the basis of the saved points for each, determine customers to receive a pension on the basis of the set levels and the customer inform

Abstract: A provider of a first network-based service provides a list of user data for users of the first network-based service to a provider of a second network-based service. The users associated with the list of user data access results of the one or more identity monitoring services from the first network-based service, the second network-based service, a third-party identity monitoring service, or any suitable combination thereof. Additional services are offered to one or more users associated with the list of user data. A user accepting the offer pays a fee to the offering provider for the additional service. Based on the user being associated with the list of user data provided by the provider of the first network-based service and the user paying the fee for the additional service, a portion of the fee is transferred to the provider of the first network-based service.

Abstract: A method for determining customer lifetime value for a cohort of customers using an incentive system to provide for geographically limited rewards earned for transactions includes tracking payment card transactions between enrolled payment cardholders and enrolled merchants, creating a database of rewards eligible transactions, instructing a virtual payment card issuer to apply the rewards amount for each rewards eligible transaction to an account, receiving transaction authorization requests from the virtual payment card issuer corresponding to enrolled cardholders requesting to spend rewards within their corresponding account, if the transaction is occurring within a prescribed geographic area in which rewards can be spent, transmitting an authorization for the virtual card issuer to complete the transaction using the rewards, an enrolled payment cardholder attribute database, and applying a matching algorithm to the attribute database resulting in prediction based on similarity between one or more attribut

Abstract: Provided is a smart shopping method using a user terminal. Use information of various benefit means available to a user may be previously checked, set, and stored, and when making a payment, a transaction serial number may be presented to an affiliated store terminal, thereby enabling all benefit means to be easily applied. Also, since a payment serial number is presented along with a transaction serial number, a mobile payment to which a benefit means is applied may be performed by presenting only a user terminal, thereby enabling a user of the user terminal to shop quickly and conveniently.

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

Abstract: A store low-stock item reporting and promotion system may include a remote device to be carried by a shopper when shopping within a store and may be configured to acquire an image associated with an item. The system may include a server configured to obtain the image from the remote device, identify the item based upon the image, and determine a low-stock condition for the item based upon the image. Upon determining the low-stock condition, the server may generate a low-stock notification and communicate the low-stock notification to another device, and generate a digital promotion and communicate the digital promotion to the remote device.

Abstract: A vehicle charging system includes a vehicle propelled by an electric machine powered by a chargeable energy storage system. The charging system also includes a controller programmed to predict at least one upcoming plug-in event based on historical charging data, and define a plug-in routine based on a plurality of upcoming plug-in events. The controller is also programmed to set a charging schedule to coincide with the plug-in routine such that a target state of charge (SOC) is achieved at a conclusion of each of the plurality of upcoming plug-in events. Each target SOC corresponding to a plug-in event is based on minimizing a charging energy cost of the plug-in routine and an expected energy depletion ahead of a next subsequent plug-in event.

Abstract: The present disclosure is directed toward a system that allows a promotion and marketing system to provide promotions to users of the promotion and marketing system for establishments that are currently not affiliated with the promotion and marketing system.

Abstract: An information processing system includes: a movable object that operates as a movable shop after business hours of a predetermined shop; and a control unit that executes acquiring product information, the product information being information relevant to a plurality of foodstuffs loaded in the movable object, each of the plurality of foodstuffs being a product of the predetermined shop and being discounted due to an expiration date, and controlling a route of the movable object based on the product information. The control unit controls the route of the movable object, based on a ratio of kinds of the plurality of foodstuffs loaded in the movable object, as the product information.

Abstract: Methods, systems and device for verifying a transaction in a loyalty or advertising system are described. One such method includes: receiving, at least one processor, transaction data associated with a transaction between a customer and a merchant; determining, at the at least one processor, from the transaction data whether the customer and the merchant are associated with the loyalty or advertising system; and upon determining from the transaction data whether the transaction corresponds to a reward or advertisement, triggering the redemption of the reward or advertisement.

Abstract: An online concierge system receives orders from users that include items from one or more warehouses. The online concierge system identifies the orders to shoppers, who select one or more orders to fulfill. The online concierge system uses models to estimate orders likely to be received at different times and shoppers likely to be available to fulfill orders at different times. Responsive to greater than a threshold difference between estimated orders and estimated shoppers during a time interval, the online concierge system selects one or more incentives for shoppers to select orders during the time interval to entice shoppers to select orders during the time interval. An interface displayed to the shoppers by the online concierge system may present a map of warehouses and their estimated number of orders and allow shoppers to identify incentives offered for fulfilling orders at different warehouses during the time interval.

Abstract: Systems and methods are provided for enabling access to digital content based on geographic locations visited by mobile device users. One method includes receiving a promotion associated with premium digital content, access information, and one or more locations in which the premium digital content is accessible.

Abstract: The invention relates to electronic offers in a mobile banking application. An embodiment of the present invention is directed to a system that provides relevant offers for customized deals to a customer responsive to a current customer transaction, current location and/or other profile information. The relevant offer may be available for a limited time. The customer's response (e.g., save, redeem, skip, ignore, etc.) may then be used for more relevant offers in the future.

Abstract: A system and method allows a user to define books of pictures and customizable text, and HTML code is generated from such definition to allow the books to be displayed on a browser. Based on the user's book definitions or viewers activities, the individual's interests, moods and/or emotions may be identified and ads may be identified and displayed to such person that correspond to such interests, moods or emotions.

Abstract: Systems, methods, and storage media for payment collection are disclosed. An example method comprises: obtaining, at a code scanner, payment account information comprised in a payment code of a purchasing user by scanning the payment code; sending, at the code scanner, the payment account information to a processor; determining, at the processor, a payment amount due, to construct a payment request comprising the payment amount due, the payment account information, and the device identifier; sending, at the processor, the payment request to a communication module; and sending, at the communication module, the payment request to the target server for the target server to, according to the payment request, deduct the payment amount due from a payment account of the purchasing user corresponding to the payment account information, and add the payment amount due to the payment receiving account corresponding to the device identifier.

Abstract: An e-commerce search ranking system is provided and generally includes a server (e.g., application server), a database, and a customer computing device. The server can obtain user search query listings associated with a search term of users' search sessions to determine user engagement of the items. The server also determines that the items, and any items appearing before the items in each user search query listing, were examined. The server can then aggregate the information in the database. The server can also determine additional search terms related to the search term of the users' search session, and obtain user search query listings for the additional search terms. The server can determine user engagement for items appearing in those user search query listings, and can aggregate that information in the database as well. The aggregated information can be used to determine a final item ranking for a search request inquiry.

Abstract: Described are systems and methods for tracking performance by monitoring and evaluating performance metrics on a repetitive basis to assign performance scores and incentivizing high performance by assigning awards to high performers. Multiple users may compete with one another for performance rankings and wager all or portions of award amount on their performance for future performance cycles to potentially increase future awards.

Abstract: A system, method, and computer program product are provided for aggregating channel agnostic data. In use, channel agnostic data is received, at a messaging bus, from a plurality of telecommunication system sources, wherein the plurality of telecommunication system sources is channel agnostic. Next, using a micro service, the channel agnostic data is aggregated from the plurality of telecommunication system sources and the aggregated channel agnostic data is presented, on demand, based on at least one of authority, needs, and preferences. Further, at least one action is associated with the aggregated channel agnostic data.

Abstract: Systems and methods of tracking and rewarding users of any of a variety of content hosting systems, such as search engines. In one embodiment, a method of rewarding a user of a search engine includes receiving secure identification information identifying a user, retrieving user account information using the secure identification information, receiving a search query associated with the user account information, crediting the user account with a reward that is directly related to providing the search query, and returning search results in response to the received search query.

Abstract: An information processing apparatus includes a screen information request receiver, an application identification information specifying unit, a screen information transmitter. The screen information request receiver receives, from a device, a screen information request used to request screen information for providing an application. The screen information includes at least dealer information representing a dealer that sells the device. The application identification information specifying unit specifies application identification information corresponding to the dealer information included in the screen information request based on application correspondence relation information representing a correspondence relation between the dealer information and the application identification information identifying an application available to the device.

Abstract: A method for classifying a prospective traveler based on statistical inference is described herein. The method comprises receiving an input associated with the prospective traveler. Encoded representation of preferences and goals may be extracted from the input and levels and may be assigned to the preferences and goals. Based on the levels assigned to the preferences and goals, the prospective traveler may be classified according to one or more traveler profiles. Based on the classification, one or more consumer choices may be offered to the prospective traveler.

Abstract: A method for identifying and distributing offers includes: storing account profiles, each profile including data related to a transaction account including an account identifier and a plurality of transaction data entries, each including transaction data; receiving an offer request from a consumer entity, the request including a specific account identifier and geographic location; identifying a specific account profile that includes the specific account identifier; identifying offer parameters, the parameters being based on the geographic location and the transaction data included in the identified specific account profile; transmitting the offer parameters to a merchant entity; receiving offer data for a plurality of offers from the merchant entity based on the offer parameters; identifying a specific offer based on the offer data for the specific offer and the transaction data included in the specific account profile; and transmitting the offer data for the identified specific offer to the consumer entity.

Abstract: A message processing method, apparatus, and system, which include: receiving a sharing request for a source message and sent by a terminal, the source message carrying a password and an enterprise account identifier, the sharing request including a sharing user account identifier; returning at least one account identifier to the terminal, and receiving a determined target account identifier with which the source message is shared and that is selected by the terminal; setting an electronic resource property for the source message according to a preset rule to generate a target message, sending the target message to a target user corresponding to the target account identifier; and transferring, according to the electronic resource property, an electronic resource corresponding to an associated account of the enterprise account identifier to an associated account of the sharing user account identifier if receiving a drawing request sent by the terminal and that carries the password.

Abstract: In a promotion offering system, a promotion offering may be presented to a consumer on more than one occasion. The previous presentation of the promotion to the consumer may affect a subsequent presentation of the same promotion to the same consumer. The present invention provides an apparatus and method for analyzing the effect a previous presentation of a promotion may have on a consumer when the promotion is presented to the consumer at a subsequent time.

Abstract: Aspects described herein may allow for method of detecting when a payment card is in a retail establishment by establishing communication between the payment card and a real-time position tracking system; determining whether one of a plurality of accounts linked to the payment card has been used in one or more prior purchasing transactions in the retail establishment; detecting, movement of the payment card with respect to the individual carrying the payment card while the payment card is in a carrying device carried by the individual; and providing, by the payment card, haptic feedback and visible feedback to the individual carrying the payment card.

Abstract: A method of implementing sub-table replication starts with the processor detecting an update to an entitlements table. The processor performs filtering of a data table based on the update to the entitlements table. The data table including an entitlements column. The processor detects an update to the entitlements column and performs incremental replication of the data table by causing a version-based replication to be executed. Other embodiments are also described herein.

Abstract: Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.

Abstract: One embodiment provides a method, including: obtaining, from an application used by users to converse with other users, a conversation corresponding to a user, wherein the conversation includes an indication of an intent to purchase a plurality of retail services; identifying at least one micro-service corresponding to each of the plurality of retail services, wherein the micro-service allows purchase from the corresponding retail service; sequencing the micro-services, thereby sequencing purchases from the plurality of retail services through the micro-services, wherein the sequencing comprises (i) determining a sequence of purchases and (ii) identifying, for each of the determined sequences, a financial benefit to the user; and providing a recommendation comprising a purchasing sequence to the user, wherein the recommendation comprises the sequence of purchases that result in the maximum financial benefit to the user.

Abstract: An online system receives a discount offer from a merchant and displays the offer to a user before the offer's start time. The online system also defines one or more triggering conditions and sends a notification to remind the user about the discount offer when a triggering condition is satisfied. One of the triggering conditions can be based on whether the user has accessed a web page provided by the merchant. The merchant system provides a web page that sends an indication to the online system when the user accesses the web page. After receiving the indication, the online system sends a notification about the discount offer to the user. Sending the notification in this manner has the effect of reminding the user of the discount offer after the user has already expressed an interest in the merchant and its products by viewing the merchant web page.

Abstract: A computer-implemented system and method are disclosed for facilitating dynamically-priced offer data between a restaurant and a consumer, the data reflecting dynamically-priced offers which are contingent upon the consumer first honoring in full their contractual promises to the restaurant before the restaurant is bound to honor its ‘side’ of the deal. In an embodiment, the method and system enables a consumer to specify, in advance, a minimum amount of money the consumer contractually binds themselves to spend at a restaurant as well as the specific hour of the day of a specific day of the week of a specific week of the year the consumer promises to arrive at the restaurant or expects delivery of an order from a restaurant, in return for more of the goods or services the restaurant contractually, but contingently binds themselves to provide the consumer.

Abstract: A method, system and computer program product for facilitating customers to upgrade their hardware or software. An electronic problem ticketing system of a software/hardware vendor receives a request from a customer to open a problem ticket to service a designated version/model of the software/hardware product. The ticketing system acquires the number of users utilizing the software/hardware product requested to be serviced for various versions/models of the software/hardware product. A graphical diagram is generated depicting the number of users utilizing the software/hardware product requested to be serviced for various versions/models of the software/hardware product. A hyperlink to a social media website that contains information of the benefits of using a latest version or model of the software or hardware product is inserted in the graphical diagram, where after displaying such information, an instruction is received from the user to upgrade the software or hardware product.

Abstract: Disclosed is a method for displaying a strategy, pertaining to a business opportunity, during a conversation with a user. Initially, a question is received from a user. Upon receiving, a set of keywords from the question is extracted based on natural language processing techniques. Subsequently, an answer to the question is displayed along with metadata associated to the answer. The metadata is displayed based on a demographic profile of the user. Further, the user is nudged with a set of predefined questions based on the demographic profile and the set of keywords. Furthermore, a set of responses received against the set of predefined questions is analyzed to identify a business opportunity. The set of responses is analyzed based on the set of keywords and the demographic profile. In addition, a strategy pertaining to the business opportunity is displayed based on the question, the set of responses, and the demographic profile.

Abstract: Embodiments disclosed herein may be directed to the intelligent distribution, redemption, and tracking of coupons. Modernized couponing processes described herein may provide meaningful synergy between three different parties, namely the shopper, the retailer, and the product supplier. For example, while shopping at a retailer, a shopper may use their device to scan a barcode of a product that they wish to purchase. Based on the scanned barcode, relevant coupon offers associated are identified and presented to the shopper on the user device. The shopper may then select one or more coupon offers to be redeemed at the point of sale.

Abstract: A method of generating a targeted advertisement by identifying a target criteria from an entry of a search history associated with a user, identifying an intended recipient based on social information associated with the user and the target criteria, and associating at least one item with the intended recipient by analyzing the social information and the target criteria. Further, the method includes outputting as advertisement information the at least one item and at least one of a plurality of advertisement recipients. The advertisement information enables the generation of the targeted advertisement and the at least one item is utilized in the targeted advertisement.

Abstract: A system, method, apparatus, and computer program product for providing for identifying mobile devices and transmitting electronic messages to the mobile devices. An exemplary method comprises receiving input defining a target demographic category of user profiles to which to direct an electronic message and a target location category that defines a tracked location pattern that, upon being satisfied, results in transmission of the electronic message, receiving GPS device locations from a communication device, identifying a user profile associated with the communications device, determining that the user profile is classified to the target demographic category, determining that the tracked location pattern is satisfied, and upon determining that the user profile is classified to the target demographic category of user profiles, and the tracked location pattern is satisfied, causing transmission of the electronic message indicative of the particular offer to the at least one mobile communication device.