Abstract: A method for voice ordering utilizing catalog taxonomies and hierarchical categorization relationships in product information management (PIM) systems includes: prompting a user with a query to input speech into a speech recognition engine; translating the inputted speech into a series of words; querying a product information management component (PIM) based on the series of words; wherein the querying is performed as a matching algorithm against PIM category and attribute keywords; returning coded results to a voice synthesizer to produce at least one of: a voice response, and a text response to the user; and wherein in the coded results indicate one or more of: a not found message for zero matches, a confirmation of a suitable single match, a request for additional information in the event one or more of the following occurs: more than one matching item, category, and item attribute was found in the PIM.

Abstract: Embodiments of the invention receive an expression of interest for a benefactor from a user, propose creation of an affinity program associated with the benefactor to the user, and create an affinity program associated with the benefactor. Creating includes determining at least one triggering action for triggering a donation to the benefactor, determining at least one potential participant for the affinity program, and inviting the at least one potential participant to join the affinity program. Creating the affinity may also include proposing the affinity program to the benefactor and negotiating contractual terms on behalf of a program administrator, such as, by using an artificial intelligence engine. In some embodiments, creating the affinity also includes, in response to determining the number of expressions of interest from unique users surpasses a predetermined threshold, initiating the affinity program by inviting at least one of the unique users to join the program.

Abstract: A system and method for maximizing airline award program participant's use of the accumulated award miles even in light of mileage shortfalls for the redemption of mileage awards is described. The system and method not only a benefit to the award program participant, but also provides financial benefits to the airline offering the award program, and these financial benefits are ones that the airline would not ordinarily obtain.

Abstract: A benefit card may be presented to a retailer to cause a portion of the proceeds be directed to a beneficiary selected by the cardholder. The benefit card may be used to direct advertisements or coupons to cardholders.

Abstract: Methods and systems that record the location of a user and transmit targeted content to a user based upon their current and past location information. A network is configured to include a server programmed with a database of targeted content, a database of location information, a database of user information, a database searching algorithm, and a wireless communication system capable of communicating with the user's mobile device. The location of the mobile device is ascertained and recorded. The location information is analyzed to determine the routes taken by the user, businesses visited by the user, and other behaviors of the user. Targeted content is sent to the mobile device of the user and whether the user visits the physical locations associated with the targeted content is monitored. Once it is verified that the user has visited the physical location, then any associated promotional offers may be authorized.

Abstract: Methods of communicating for advertising and for facilitating commercial transactions between businesses and consumers. Said methods are enabled by a software application that allows a consumer to dispatch an offer request to a service provider, wherein the offer request specifies an amount of money that the consumer intends to spend on a particular product category and a geographic area in which the consumer intends to make a purchase. The service provider then communicates the offer request to a plurality of businesses that offer the specified product category and that are located within the specified geographic area. If the offer request satisfies certain criteria established by one or more of the businesses, those businesses will issue offers that advertise special deals and discounts to the consumer. Such offers are generated using a software application. The consumer can then accept and redeem any of the offers that the consumer finds attractive.

Abstract: A system and method for providing incentives to consumers to share their consumer information with third parties is provided. According to one aspect of the present invention, a method is provided which includes the steps of: accepting consumer information; storing the consumer information; requesting permission from the consumer to share their consumer information with a third party; and offering the consumer a selected incentive in exchange for their permission to share their consumer information.

Abstract: Systems and methods for providing online promotions integrated with social network-based platforms are disclosed. Promotion details such as rules, offered prizes, incentives and descriptions, survey questions, display banners, terms and conditions, privacy policy, and social networks to integrate the promotion with, are provided by the sponsoring organization to a server. The server generates a custom promotion application and/or widget for integrating with the organization's social network webpage and/or webpages external to social networks. A participant enters the promotion through these webpages or other links and lists friends in the social network to receive an invitation to enter the promotion.

Abstract: A system and method for offsetting printing costs. Specifically, the method includes collecting user information about a user and generating a user profile based on the user information. The user profile is stored such that the user profile is used to achieve delivery of data that is targeted to the user based on the user profile without requiring a release of user information in the user profile. At least one offer for the delivery of data is presented to the user. The data is targeted to the user based on the user profile. Thereafter, the method determines that an item of the data presented to the user has been printed. An incentive is received for printing the item.

Abstract: A computer implemented method and apparatus for managing digital video recorder storage for one or more users. Each user in the multi-user environment is assigned an amount of program storage in the digital video recorder. Responsive to receiving a request to record a new program from a user in the multi-user environment, an associated amount of program storage assigned to the use is determined. Responsive to a determination that addition of the new program will not exceed the associated amount of program storage assigned to the user, the new program is recorded to the program storage.

Abstract: Disclosed is a system and method for enabling a fundraising program using fundraising cards redeemable by not-for-profit organization (“NPO”) supporters for branded stored-value cards. The system includes a scrip company host system having a server, where the server includes a microcontroller. A remote user device, having a display, is operatively coupled to the scrip company host system and configured to enable access to the scrip company web site. The microcontroller is adapted to detect access to the scrip company web site by a NPO, and cause the plurality of fundraising cards to be distributed to the NPO in response to detecting an order for the plurality of fundraising cards by the NPO. The fundraising cards are distributed to the NPO prior to receiving payment from the NPO for the fundraising cards, thereby making it unnecessary for the NPO to carry a paid-for inventory of fundraising cards.

Abstract: Social networking systems create representations of events associated with deals and populate attributes of the event based on information associated with the deal. Examples of attributes populated based on the deal include location for the event, potential participants for the event, or time for the event. The deal can be a social deal that is activated by participation of multiple users of the social networking system. The social networking system synchronizes potential or actual participants for the event with potential or actual participants of the social deal. The social networking system identifies events represented in the social networking system that are associated with the deal and suggests possible interactions with the entities to users associated with the deal. For example, the social networking system may request the user to become member of a social group associated with the deal, or purchase another deal associated with the current deal.

Abstract: A system for targeting advertising content includes the steps of: (a) receiving first and second requests for advertising associated with first and second users, wherein the users are identified; (b) retrieving data pertaining to the users from a data provider; (c) selecting respective advertising content from the first and second sponsors based at least on a determination of relevancy of each advertising content to the data provider's data, wherein the relevancy determination generates respective relevancy scores; (d) determining the advertising content of the first sponsor is more relevant to the first user and the advertising content of the second sponsor is more relevant to the second user based on the respective relevancy scores; and (e) transmitting the advertising content of the first sponsor to the first mobile communication facility for display and transmitting the advertising content of the second sponsor to the second mobile communication facility for display.

Abstract: A system and method are provided for a user to check-in to one or more commercial venues according to various check-in options including private, public, anonymous, and non-anonymous check-ins, and for merchants to provide one or more targeted offers to the user based on contextual data associated with the user. In one embodiment, one or more queries may be generated for the user to select at least one of a pubic check-in option, a private check-in option, an anonymous check-in option, a non-anonymous check-in option, or a combination thereof. The system may be configured to determine one or more offers configured for a merchant to be provided to the user based on the contextual data associated with the user.

Abstract: A system and method that facilitates e-commerce volume pricing is provided. According to one aspect of the present invention, the system includes an offers and orders component that receives and aggregates orders for a product from a plurality of buyers. The system also includes a logistics component that determines a shipping price for the product for a subset of the plurality of buyers. The shipping price is determined at least in part upon the subset of buyers sharing a shipping method. According to another aspect of the present invention, a method is provided in which buyers within an aggregated purchasing group may be subject to different pricing structures for the same product.

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

Abstract: Handling electronic coupons includes accessing information indicating association of an electronic coupon with an account of a user that identifies multiple retail entities associated with the user. Information indicating association of electronic coupons with the user's account may be transmitted to respective computer systems associated with the multiple retail entities. The computer systems may associate electronic coupons with the user such that the user may redeem the electronic coupons at a retail store upon presentation of a user identifier. When the user redeems an electronic coupon, cancellation information for the electronic coupon may be transmitted to the computer systems of other retail entities associated with the user. Receipt of the cancellation information may cause the respective computer systems to cancel the redeemability of the electronic coupon such that the user is prevented from redeeming the electronic coupon at a retail store associated with the corresponding retail entity.

Abstract: In one embodiment, a geo-social networking system receives from a first user's location a message identifying the first user and one or more other users, generating a redeemable certificate including pictures of the first user and the one or more other users, and present the redeemable certificate to the first user.

Abstract: Some described embodiments provide for selecting (e.g., by a server computer from a plurality of transaction records), a transaction record associated with a financial account of an account holder. In one example, the transaction record includes an indication of an amount due, by the account holder, for a previous purchase completed by the account holder with a first merchant. Some embodiments provide further for generating a billing statement for the account holder, the billing statement including an indication of the amount due by the account holder for the previous completed purchase and an indication of an acquisition offer, in which the acquisition offer comprises a promise from a second merchant to pay at least a portion of the amount due by the account holder, and transmitting the billing statement to the account holder.

Abstract: A method, system and computer program product for increasing popularity of a website including making agreements with vendors of product for distribution through the website; periodically making available the products on the website to all visitors of the website; and delivering the products to all visitors of the website. Visitors to the website can vote on selection of the product. The products can be made available as a daily reward. The products can be available for installation only for a limited period of time, and can include an installation wrapper with an unlocker that permits installation only for the limited period of time. The unlocker verifies with the server whether the product can be installed and activated, and can be a DLL, an executable file, an ACTIVE-X component, a registry settings file, and a cryptographic key.

Abstract: Accordingly some embodiments, a merchant server receives an indication of acceptance by a customer of an offer for a subsidy from a second merchant of a purchase of at least one item from a first merchant. The customer agrees to participate in an additional transaction with the second merchant in exchange for having the subsidy applied against the purchase from the first merchant. In one embodiment, after selling the at least one item to the customer, the merchant server determines that the customer did not participate in an additional transaction with the second merchant as the customer agreed to, and assesses a penalty against the customer.

Abstract: Some described embodiments provide for selecting (e.g., by a server computer from a plurality of transaction records), a transaction record associated with a financial account of an account holder. In one example, the transaction record includes an indication of an amount due, by the account holder, for a previous purchase completed by the account holder with a first merchant. Some embodiments provide further for generating a billing statement for the account holder, the billing statement including an indication of the amount due by the account holder for the previous completed purchase and an indication of an acquisition offer, in which the acquisition offer comprises a promise from a second merchant to pay at least a portion of the amount due by the account holder, and transmitting the billing statement to the account holder.

Abstract: Some described embodiments provide for selecting (e.g., by a server computer from a plurality of transaction records), a transaction record associated with a financial account of an account holder. In one example, the transaction record includes an indication of an amount due, by the account holder, for a previous purchase completed by the account holder with a first merchant. Some embodiments provide further for generating a billing statement for the account holder, the billing statement including an indication of the amount due by the account holder for the previous completed purchase and an indication of an acquisition offer, in which the acquisition offer comprises a promise from a second merchant to pay at least a portion of the amount due by the account holder, and transmitting the billing statement to the account holder.

Abstract: The present invention relates generally to consolidating loyalty campaign enrolment procedures and centralizing management and storage of both merchant and customer information relating to loyalty campaign implementation and participation. Specifically, the device and system provides a means whereby merchants are able to unilaterally implement loyalty campaigns and encourage enrolment through an automatic enrolment procedure. The system implements the messaging infrastructure of mobile communication device to associate a phone number with a customer such that enrolment to a merchant's loyalty campaign requires little more than the customer's use of a recognized transaction instrument and a remote communications device.

Abstract: In a disclosed embodiment of the invention, a customer of a vending machine is provided with an offer to establish a membership at a vending machine. After receiving an acceptance of the offer, a membership identifier is determined. The membership identifier is stored in association with the term of the membership. After the step of storing, the membership identifier is received. The term of the membership is determined. A selection of a product that the customer intends to purchase is received form the customer, and a transaction is processed at the vending machine in accordance with the term and the selection.

Abstract: A buyer-seller matching system that uses incentives to verify commissions from matching the buyer with a seller. An item locator system that comprises a repository of information about items for purchase may be provided over a network for users to access information about items for purchase. Along with each item, the system presents an incentive that may be realized if that item is purchased from a designated third party seller. The user then executes the purchase with the seller, who pays the system the agreed upon fee and also issues a certification of purchase to the buyer. The user may then take the certification of purchase back to the central repository to redeem the incentive. The item locator system then checks to verify that it has received a fee or commission from the seller for bringing the seller a buyer of the item. The fee or commission may be based on the price of the item, such as if the item is a new house for sale and the seller is a new house builder.

Abstract: A system is disclosed that provides computer-aided processing of a rebate on a product. The system includes a rebate processing center communicating over a network with a manufacturer, a distributor, and a consumer. The rebate processing center maintains a promotion table and a transaction table in order to facilitate processing of product rebates and to offer the consumer a choice of disbursement options.

Abstract: An online system presents remote users with static incentives, dynamic incentives and the ability to create and submit customizable incentives related to goods or services of interest to the user. By using the incentive delivery system, the user can research goods or services of interest and in an interactive fashion create an incentive package most desirable to the user and submit same to a central location. The systems performs decisioning routines on submitted incentive requests and makes such requests available for review. Ultimately, the submitted requests may be accepted or rejected or a counter-incentive may be issued to the user for consideration. A manufacturer, such as an automobile manufacturer, can offer incentives direct to its consumers and enter into an electronic dialogue with its customers to help drive profits and sales in the most efficient manner.

Abstract: A system and a method are disclosed for enabling 2-way mobile interactions between merchants and consumers using text messaging (short message service (SMS) messaging). The system supports an SMS text keyword (or keywords) per merchant, which consumers can text to an SMS short code expressing a particular intent. The merchant's account on the system can then respond with specific information back to consumers depending on rules defined on the system for each word or sequence of words being sent in the SMS message. Consumers can be sent subscription text messages based on the intent of the consumer.

Abstract: In one aspect, a system includes a transaction handler, a data warehouse to store transaction data recording transactions processed at the transaction handler and to store account data identifying an account of a user, and a portal to receive a user selection of a first portion of an advertisement announcing a reward. The portal is to track user interactions associated with the advertisement to determine whether the user is qualified for the reward. Upon a determination that the user has completed the user interactions for the reward, the transaction handler is to provide the reward to the account of the user via statement credit.

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

Abstract: One embodiment of the present invention sets forth a method, which includes receiving a request for specific information, wherein the request is associated with a first reward limit and a second reward limit, determining a first reward amount within the first reward limit based on a number of information providers, receiving personal data and a wager from each of the information providers, distributing the first reward amount to at least one of the information providers in a first phase based on a ranking of relevancy of submitted information by the information providers, and distributing the second reward amount in a second phase based on a result of using the submitted information.

Abstract: A system and method for wireless communication of proximity based marketing is provided. The method includes determining whether a proximity device and a mobile computing device are within a first proximity to each other, wherein the proximity device is associated with at least one of a product and a service, and communicating information indicating that the proximity device and the mobile computing device are within the first proximity to each other, when it is determined that the proximity device and the mobile computing device are within the first proximity to each other.

Abstract: The LOYALTY PROMOTION APPARATUSES, METHODS AND SYSTEMS (“L-PROMO”) transforms consumer credentials, consumer opt-in activities, and, merchant campaign setup inputs via L-PROMO components into a financial transaction and offer redemption outputs. In one implementation, a method is disclosed, comprising: receiving consumer identifying information from a consumer electronic wallet vehicle; receiving merchant information and a proposed transaction from a merchant terminal; initiating consumer payment by sending a payment approval to an electronic wallet account; receiving a request to apply a promotional offer; determining consumer eligibility to apply the promotional offer to the proposed transaction; applying the promotional offer to the proposed transaction by returning credits to the consumer based on terms of the promotional offer; sending transaction details to the consumer; and sending a message to a social network indicating the transaction on the consumer's social media page.

Abstract: The disposition of funds in a certificate of deposit (CD) may be specified at or near the time the CD is applied for. The depositor may specify disposition of funds such as transferring the funds to an account, paying a bill, donating the funds to charity, rolling over the funds into a new CD. The depositor may specify that a particular portion of the funds are to be rolled over, and that the remainder of funds are to be disposed of in a specified manner. If the depositor elects to roll over some or all of the funds in the CD, the depositor may specify how many times the CD is to be rolled over. Instructions for disposition of funds may be received through a web site, through e-mail, on paper, etc.

Abstract: An energy conservation incentivisation system is disclosed. The energy conservation incentivisation system is provided with a website having a web server reading information representative of a customer's energy usage for a given period of time in relation to a corresponding period of time. The website verifies a reduction of energy usage, and registers the customer in a rewards program. The energy conservation incentivisation system also includes a communication system communicating with the Internet using an Internet protocol to receive the information from the customer. The information representative of the customer's energy usage can be one or more electronic files of utility invoices from the given period of time and the corresponding period of time.

Abstract: The present invention provides methods of offering advertisements on the Internet, and systems for implementing these methods. These methods offer users an accrued financial incentive to purchase products and services from advertisers. In some embodiments, a method of offering advertisements on the Internet comprises: providing one or more advertisements at an Internet site; allowing for a user to click or view the advertisements; increasing the user's account balance after an advertisement is viewed; and offering cash or a non-cash equivalent to a winning user having the highest relative value of an account balance within a selected pool of account balances. Certain embodiments of this invention relate to an Internet business known as Mascot Race.

Abstract: There is presented a method and system for using a product redemption data associated with an identity of a consumer in a memory of a computer having a processor. The method comprises receiving the product redemption data, searching the memory using the processor to find the product redemption data, and identifying the consumer in response to finding the product redemption data associated with the identity of the consumer in the memory.

Abstract: Methods for defining and using a configurable and extensible enrollment data capture framework. The enrollment data capture framework allows generation of enrollment data capture templates for specifying channel, membership scheme and membership type specific data elements, providing data relevancy and data adequacy. The framework comprises an extensible membership attribute repository, as well as configurable enrollment data capture templates specific to a membership scheme and type and channel combination.

Abstract: A system and method for updating digital content are provided. The system and method of the present disclosure enable updating of content on digital media by dynamically presenting specialized selected content from a global computer network, e.g., the Internet, or other stored digital medium. The system and method provide for reading at least one identifier of at least one media content; transmitting the at least one identifier to a remote server; receiving at least one indication of updated supplemental content related to the at least one media content from the remote server; and presenting the received at least one indication to a user. In one embodiment, the at least one indication is a menu of at least one selectable item. The at least one item may be a movie preview, a movie segment, a web page, an ecommerce website, a product preview, a document or an audio file.

Abstract: The creation of a fan based community as an affinity marketing platform. The community members are classified by a user number linked to the priority of their claim for affinity with the organization. Their user numbers are posted on a web-page having a unique URL. The user is issued with a tag that displays the user number and a machine readable QR code that encodes the URL containing information about the user. Affinity marketing to the group can include opportunities such as fan number call-outs, “rush” campaigns that include free merchandise, seat upgrades, club or suited access, invitations to watch practice, autographs, concession and stadium-wide promotions to fans with a particular digit in their fan number.

Abstract: A system and a method are disclosed for providing rewards to consumers using short message service (SMS). The system receives a text message from a consumer containing a reward keyword and a reward code and determines whether the message is a qualifying message. After receiving a certain number of qualifying messages, the system sends a reward message to the consumer enabling the consumer to receive a reward. Rewards can be based on customer referrals or merchant loyalty.

Abstract: A system, method and non-transitory computer-readable storage medium are disclosed for processing coupons. A system configured to practice the method transmits an advertisement to a mobile device of a user after the user registers to receive advertisements, wherein the advertisement is associated with an identification card of the user and a coupon, activates the coupon based on an acceptance via a user interaction with the mobile device, other than a telephone call, to yield an activated coupon, receives an indication at a point of sale device of a purchase using the identification card, wherein the mobile device is different from the point of sale device, and applies a discount to the purchase according to the activated coupon. Thus, a user can redeem the coupon by simply purchasing using the identification card without presenting a separate physical coupon. The coupon can be applied in substantially real time or after the transaction.

Abstract: A system and a method are disclosed for aggregating demand for a merchant using short message service (SMS). The system receives a text message from a consumer containing a merchant code and a request for a discount, the merchant code being associated with a merchant. The system determines whether the merchant has an available discount. If a discount is available, information about the discount is sent to the consumer. If a discount is not available, a text message is sent to the consumer indicating a level of demand for discounts from the merchant, the text message to be shown to the merchant.

Abstract: A computer-implemented process for electronically disseminated coupons or vouchers which confines E-Coupon or E-Voucher dissemination to a merchant's designated market area (DMA) with optional customer “opt-in” in order to participate in the merchant's discount or special promotional offers not generally available to anonymous customers. In one aspect, the computer implemented process is accomplished when a request for an electronically disseminated coupon or voucher from a remote computing device(s) associated with a customer is received by a server. The server determines a geolocation for the remote computing device(s) which is used to validate the request based at least on the customer's geolocation. A validated request causes the server to issue a electronically disseminated coupon or voucher. The issuance of the electronically disseminated coupon or voucher is contemporaneously recorded in a database for invoicing or crediting of the merchant.

Abstract: A method for market segmentation analysis includes a computer collecting virtual universe data associated with interactions between avatars, entities, and objects in a virtual universe. The computer collecting the virtual universe data includes the computer recording portions of the virtual universe data as the interactions occur. The method includes the computer determining criteria with which to perform a market segmentation analysis on the virtual universe data. The method further includes the computer performing the market segmentation analysis on the virtual universe data, which includes the computer analyzing a plurality of groups of the virtual universe data. The groups are formed based on whether an avatar activity includes social activity and business activity in the virtual universe relative to a time of day. The method further includes the computer generating a report indicating results of the market segmentation analysis.

Abstract: A method for issuing and redeeming an electronic coupon is provided. An electronic coupon is created by a central server, the coupon including information about a discount or a credit, and one or more conditions. The coupon is assigned to a customer identifier. A coupon query is transferred, which includes the customer identifier, from a point-of-sale computer to the central server. Coupon data is transferred from the central server to the point-of-sale computer. The described method reduces the transaction time for redeeming and issuing personalized coupons. In particular, the coupon data for multiple coupons is transferred with an assigned coupon identifier before the payment process from the central server to the point-of-sale computer, and stored in a local memory. In the payment process, the central computer transfers the coupon identifiers assigned to the customer identifier. The point-of-sale computer retrieves the coupon data from the local memory, using the coupon identifier.

Abstract: An incentive network equipped with methods for distributing incentives on a network-wide basis and for permitting user access to individual incentives from any network server. In accordance with one aspect of the invention, a method performed by a server for accessing incentives in an network, comprises steps of receiving an access request from a device associated with a user and connected to the network, transmitting identifying information corresponding to the access request to a host, receiving incentive information from the host reflecting available incentives corresponding to the identifying information, and transmitting a network document, including the incentive information, to the device associated with the user in response to the access request.

Abstract: Improved systems, methods and apparatus are needed to provide gaming establishments within the casino, lottery and gaming industries a unified platform and middleware for the attraction, registration, engagement, delivery, management and measurement of new player acquisition through interactive mediums and channels. Acquisition of new players using such systems and methods and benefits from integration of external information on the new player. The systems and methods are configured to require entry of external information as part of delivery and/or redemption of incentives designed to attract and engage new and even existing players.

Abstract: A system and method for delivering advertising and non-advertising content includes a content management system for receiving content, editing received content (if necessary), storing content, and scheduling content for display in display systems.