Abstract: An optimized targeting system can properly identify and determine information about an audience as part of the targeting process. Surveys may be used in place of advertisements on a page for receiving specific information about an audience that can be combined with known targeting data to generate an optimization model that better targets the audience. The model may be used for selecting targeted advertisements based on information about the audience. Interactions with the targeted advertisements and additional survey responses may be used to further refine the model. The model may consider and account for selection bias in the survey responses.

Abstract: Systems and methods for providing a virtual loyalty card program are provided. The systems and methods enable a user to manage loyalty cards and receive offers.

Abstract: Customer information associated with a plurality of customers and a plurality of offers associated with a plurality of merchants are received from a deal source. At least one offer is selected for presentation to at least one customer based on the customer information.

Abstract: Techniques for inducing a contact to invoke a resource prepared by a promoter when the resource resides on a network include generating a resource location description for the resource. The resource location description includes a name of the contact. The promoter provides access to the resource at a location on the network according to the resource location description and also prepares a message to notify the contact about the resource location description. Thus a promoter can provide a web site for each contact whom the promoter has identified. Each web site can have a domain name that prominently displays the contact's identity. The psychological benefit to the contact of finding a web site devoted to the contact and with the contact's own identity as part of the domain name conditions the contact favorably and increases the chances that the result sought by the promoter will be achieved.

Abstract: The present invention is directed to a system, method and server to assist account issuers in managing risk, fraud and unauthorized use. A system, method and server for use in pushing advanced warning alerts to issuers based on consumer data element level triggering events and fraud and unauthorized use reports is disclosed. The ability to the push the alerts to issuers with a permissible purpose for receiving the information in the alerts provides a real-time, online and cost effective way of providing issuers with valuable risk management tools.

Abstract: A system that incorporates teachings of the present disclosure may include, for example, a method for receiving a first radio frequency signal from a radio frequency identifier tag carried by a first item, retrieving from the first radio frequency signal information about the first item, and identifying at least one replacement item according to the retrieved information. The method can further include selecting at least one advertiser that promotes at least one product that is at least similar to the at least one replacement item, and selecting a presentation arrangement for the identified at least one advertiser to present the at least one product at a device of a user of the first item. Other embodiments are disclosed.

Abstract: A system that incorporates teachings of the present disclosure may include, for example, a method for receiving a first radio frequency signal from a radio frequency identifier tag carried by a first item, retrieving from the first radio frequency signal information about the first item, identifying a need to replace the first item from the retrieved information, selecting according to a selection strategy at least one advertiser that promotes products, and selecting at least one product of the at least one advertiser that is at least similar to the first item. Other embodiments are disclosed.

Abstract: The various embodiments described in the present disclosure, in at least one aspect, relate to computer-implemented methods of online advertisement. In one embodiment, a method includes determining an attention score for each of a plurality of ad creatives corresponding to a common ad content based on at least a correlation between each ad creative and a user's subconscious interest. The method further includes selecting an ad creative among the plurality of ad creatives based at least in part on the attention scores, and presenting the ad content with the selected ad creative as an ad impression to the user.

Abstract: Targeting advertisements to a specific user includes steps or acts of: identifying an area of interest that includes a plurality of users using the Internet; logging each Internet request from the plurality of users; aggregating data regarding each Internet request to reveal use patterns; and disaggregating the data according to the use patterns to match the Internet use pattern with the specific user, thus identifying the specific user with each Internet request.

Abstract: A super-saturation method for information-media substantially relates to a three-body cooperation to direct information to an electronic media consumer (reader, surfer, viewer, listener, etc.). Embodiments of the present invention facilitate a first media entity substantially offering out of context information placement using a second media entity. A facilitator entity guarantees that a consumer of the second media is a known consumer of the first media. Accordingly, the second media entity presents an out of context information placement. For example, an Internet site “AAA” is oversubscribed with potential paying advertising content at $100 CPM. This site offers advertisers an option to present their advertisements to certified “AAA” viewers, albeit on a non-AAA Internet site, for $50 CPM. The facilitator locates certified AAA viewers at Internet site “BBB” that normally charges $30 CPM. Contracts between AAA, BBB, and the facilitator divide a new revenue stream of $20 CPM between them.

Abstract: The subject personalized consumer advertising/ad placement system provides the ability for advertisers, ad agencies, and any other applicable organization to determine and electronically present their “ideal” consumer profile and have their advertisement/promotion placed in front of all consumers who match the profile based on the anonymous mining of the consumers actual spending across a broad base of spending categories. Additionally, customer-to-bank communication is facilitated via a social network application that permits a customer to communicate with a bank employee while being presented with highly targeted content by the bank via a third party advertisement presenter.

Abstract: In some embodiments, a non-transitory processor-readable medium stores code representing instructions to cause a processor to receive a user defined advertisement rule associated with a set of products listed within an inventory database. The user defined advertisement rule has at least one dynamic field associated with a field within the inventory database including a product title field, a brand name field, a website address field, a description field, etc. The code also represents instructions to cause the processor to resolve the at least one dynamic field for each product using a datum stored within the field to define a different advertisement for each product. The code further represents instructions to cause the processor to provide the different advertisement for each product to a search engine such that each advertisement can be displayed by the search engine in response to one or more search requests at the search engine.

Abstract: Various systems and methods for measuring ad impression effectiveness are provided. A method is provided comprising selecting, by an ad impression processor, a target consumer for an ad impression, delivering the ad impression to the target consumer, determining, by the processor, a behavior of the target consumer after a time period elapses, wherein the determining comprises analyzing internal data relating to the target consumer.

Abstract: Various systems and methods for measuring ad impression effectiveness are provided. A method is provided comprising selecting, by an ad impression processor, a target consumer for an ad impression, delivering the ad impression to the target consumer, determining, by the processor, a behavior of the target consumer after a time period elapses, wherein the determining comprises analyzing internal data relating to the target consumer.

Abstract: Improved user interfaces and methods are provided for presenting item recommendations to a user when the user selects an item to add to a shopping cart. In response to the user's selection, a page generation process generates and returns a page that includes a plurality of recommendations sections, each of which displays item recommendations generated using a different respective recommendation or selection algorithm (e.g., recommendations based on shopping cart contents, recommendations based on purchase history, etc.). These recommendation algorithms may be selected based on collected information regarding the user. The page may also include a shopping cart section which displays contents of the shopping cart.

Abstract: A parcel advertising system and method for providing a targeted advertisement on a package wherein the advertisement is specifically directed towards a recipient to whom to the package is being delivered. The system includes an image server located remotely from a warehouse management system and adapted to communicate with the warehouse management system via a communications network. The image server includes a computer system including at least one processor and at least one datastore, wherein the computer system is operative and configured to select an advertisement for a package in response to an advertisement request for a parcel from a warehouse management system.

Abstract: A context-aware mobile banking system determines a location of a user of the mobile device, identifies at least one product of interest to the user based at least in part on the determined location of the user, determines based on the determined product of interest, information corresponding to the product of interest, and presents the information corresponding to the product of interest to the user. In some embodiments, the system retrieves user budgeting information including a plurality of budget categories each having an associated budget amount and an associated remaining amount indicating an amount remaining in from the budget amount, determines a budget category from the plurality of budget categories associated with the product of interest, and determines the budget amount and remaining amount associated with the determined budget category. The system then may present information corresponding to the remaining amount and the budget amount to the user.

Abstract: A computer system and method that enables the customization and personalization of marketing material for potential students utilizing existing systems to provide students with net price information on the cost of attending an academic institution and supplements the financial information with marketing information that is customized and created for the potential student. The marketing material is unique to each potential student and is generated for each student based on their financial circumstances, personal interests and academic goals.

Abstract: A method, system, and computer-readable storage device for serving advertisements based on user data using a computer network are provided. In at least one embodiment, a method may comprise receiving a request from a publisher for at least one advertisement, wherein the request comprises user context data. The method may also comprise receiving a permission profile from the publisher corresponding to the user context data, wherein the permission profile defines permissive use of the user context data. The method may also comprise supplementing previously stored data with the user context data and determining at least one advertisement based on the supplemented data and the permission profile.

Abstract: A system and method for syndicating comments received by a gadget that is embedded on different websites using a conversation application. The conversation application includes an authorization module, a code generator, an identity generator, a profile engine, a content parser, a syndication module, an analysis engine, an advertising engine and a newsletter engine. The content parser receives a comment posted by a user from a gadget embedded on a website and identifies the user and the website identifier. The syndication module identifies other websites that include the gadget. The syndication module then syndicates the content on the gadget embedded on the other websites. The analysis engine determines an interest of the user. The advertising engine provides advertisements to the website based on the interest of the user. The newsletter engine generates and sends newsletters to the user based on the interest of the user.

Abstract: Technologies for targeting listings based on user-supplied profile and interest data are presented herein. In one aspect, user-supplied profile and interest data is received from a user. Targeted business listings are generated for the user based on the user-supplied profile and interest data. The targeted business listings are then provided to the user.

Abstract: A system, method, and article of manufacture for generating a digital pass is disclosed. The method may comprise retrieving a plurality of identity attributes, and grouping a subset of identity attributes in the plurality of identity attributes to generate at least one digital pass. The method may further comprise grouping a subset of static identity attributes and a subset of dynamic identity attributes to generate a digital pass.

Abstract: A system, method, and article of manufacture for generating a digital pass is disclosed. The method may comprise retrieving a plurality of identity attributes, and grouping a subset of identity attributes in the plurality of identity attributes to generate at least one digital pass. The method may further comprise grouping a subset of static identity attributes and a subset of dynamic identity attributes to generate a digital pass.

Abstract: A system is adapted to manage the distribution of content to one or more cooperating media/substrates. The system receives data representative of environment conditions for one or more cooperating media/substrates adapted to display digital content. The media/substrates may be located in public spaces. The system compares the received data representative of environment conditions with selection criteria to identify content for distribution to the media/substrates. The selected content is distributed to the one or more cooperating media/substrates.

Abstract: A method and apparatus for managing business promotion and customer lead generation by providing for integration and synchronization of activities such as generation of promotional information such as business profiles, marketing elements and promotional communications, facilitating the optimization of promotional information for search, distributing promotional items through informational channels and media platforms, gathering and receiving information and data from viewers of these items via the informational channels and media platforms, providing for the sale of products and services, storing the promotional information and viewer information and providing for connectivity between the informational channels and media platforms so that the stored promotional and viewer information and data are easily transferable to the informational channels, media platforms, and providing for analysis of the effectiveness of the integrated and synchronized business promotion and lead generation.

Abstract: Systems and methods for facilitating an on-line purchase of at least one item on behalf of a consumer are disclosed. A consumer may shop and purchase at least one item on a consolidated shopping (CS) website displaying one or more items available for purchase on one or more different merchant websites. The CS website provides consumers with advanced searching that takes into consideration a personal profile of the consumer, the consumer's previous shopping history, transactional data relating to a group of similar consumers, and the like. A host computer providing the CS website may access a merchant website selling the requested item, and order the requested item on behalf of the consumer, and charging a transaction fee, listing fee, receiving a rebate and/or offering a rebate for performing such. One embodiment allows a consumer to purchase/order multiple items from multiple websites in a single purchase request to the CS website.

Abstract: A system and method for context and community based customization for a user experience is disclosed. The apparatus in an example embodiment includes a user experience customizer to gather context information, automatically produce user experience customization selections based on the context information, collect user activity feedback from a community of users, and use the user activity feedback to adjust the user experience customizer to automatically produce user experience customization selections likely favored by a user based on a correlation of the user activity feedback with the context information.

Abstract: A method is provided that includes receiving message data at a server from a first remote device. The message data is associated with a message and the message includes text of one or more words, one or more characters, one or more symbols, or any combination thereof. The method also includes determining an intended recipient of the message and parsing the message data to identify text that matches criteria associated with an advertisement campaign. Further, the method includes composing an advertisement based on characteristics of the intended recipient and based on the text that matches the criteria associated with the advertisement campaign. Additionally, the method includes creating an audio file based on the message data and the advertisement and sending the audio file from the server to a second remote device, the second remote device associated with the intended recipient.

Abstract: In one embodiment, a method includes accessing metric values for one or more online advertising spaces for placing one or more online advertisements; generating a first user variable subgroup and a second user variable subgroup from a user variable group; deriving first metric values for the first user variable subgroup; deriving second metric values for the second user variable subgroup; for each of the online advertising metrics, using a particular statistical model to calculate a statistical score based on the first and second metric values with respect to the online advertising metric and the first and second user variable subgroups; performing a split test on the first user variable subgroup and the second user variable subgroup; and splitting the user variable group into two separate user variable groups if the first and second variable subgroups pass the split test.

Abstract: A method, system and apparatus for wireless device communication. A wireless device may be engaged in a wireless data communication session within a local geographic region. The wireless device may be tracked within the local geographic region. The targeted information may be provided to the wireless device regarding the local geographic region based on the tracking of the wireless device.

Abstract: A system and method are provided for detecting a change in membership of a group of participants in a group conversation in a messaging application to define a new group of participants. Information common to all members in the new group of participants is determined using profiles associated with each member in the new group of participants. Advertising content associated with the common information is determined and provided to each participant in the new group.

Abstract: A method of presenting advertising to viewers in a computer network environment includes monitoring a viewer's interactions with an associated computer system, and adjusting a timing of displayed advertisements on the viewer's associated computer system based on one or more of the viewer's monitored interactions.

Abstract: Methods, systems and computer program products for generating customer-specific vehicle proposals based on ongoing vehicle finance pay-off information received from a third party entity. The embodiments of the invention herein disclosed provide for efficient identification of potential customers based on their current vehicle and the ongoing financial obligation related to the current vehicle. A replacement vehicle is identified and a vehicle proposal, such as a sales or lease proposal, is generated for one or more of the identified potential customers.

Abstract: A method of providing recommendations is disclosed and includes receiving a selection of an offering via an online site. The method also includes outputting a detail page related to the offering via the online site. The detail page includes a first selectable indicator corresponding to a social network of a visitor and a second selectable indicator corresponding to unfiltered content. The method also includes outputting at least one recommendation via the detail page. Each recommendation is associated with a member of the social network when input received via the online site indicates a selection of the first selectable indicator.

Abstract: A facility is provided for adding, identifying, comparing, organizing, annotating, sharing and discovering goods to acquire. This facility provides users with the information and the ability to make informed goods acquisition decisions at the point of sale where they could not have done so previously. Through the system of goods organization, the user will be able to benefit from the identifiable information about the goods that they currently own when presented with new acquirable goods. Knowing the relations between the existing goods owned allows users to benefit from objective measurements of the likelihood of success or satisfaction when presented with a new acquisition target.

Abstract: A method, system, and computer program product for displaying a digital advertisement within a digital context using brand name recognition from user generated content. The method commences by receiving an ad call, the ad call having at least a portion of a publisher digital context and the ad call having at least a portion of user generated content. Then, having the ad call, the method commences by parsing the user generated content, the user generated content being at least partially included in an ad call. Once parsed, then identifying at least one brand association using the portion of the user generated content, and scoring a match between the brand association and at least one candidate digital advertisement, the match determined using at least one matching algorithm. A matched candidate digital advertisement is displayed on a display device.

Abstract: A social networking system uses information that it obtains from and about its users to select social networking content and advertising for presentation to users in a way that optimizes for one or more optimization goals. Example optimization goals include monetization, user sharing, user engagement, system growth, and user communication. The social networking system may select social networking content and advertising based on their relevance to a particular user. The selected social networking content and advertising may be related to each other to provide a more interesting display to the user. The selected social networking content and advertising may be presented in a supplemental portion of a display, and be selected based on their relatedness to content in the main portion of the display.

Abstract: Method and system for enabling advertisers to deliver advertisements to consumers in which a plurality of tiers of available advertisements are defined, each tier containing a number of advertisements, a price for allocation of an advertisement in each tier is set wherein a lowest tier has the lowest price and the price increases to a maximum at a highest tier, and advertisements are allocated to advertisers based on availability starting from a lowest tier with unallocated advertisements and progressing to higher tiers.

Abstract: Television program availability and recordings are personalized by learning the program preferences of the TV and PDR user. This is effected over a period of time by observing, recording and processing user activity. A viewing record module agent (VRM) and a program information viewing history agent (CDM) are software agents that, according to built-in algorithms, operate on user activity and other events to ultimately produce preference profile information in special purpose relational databases (CDB, viewing history database).

Abstract: A computer-implemented method for monetizing future location of users includes identifying indicator(s) retrieved from log data or an electronic declaration that indicate a possibility that a user will be at a specific location in the future; generating a probability that the user will be at the specific location in the future based on the indicator(s); and charging an advertiser a cost for an impression to which to serve a location-specific advertisement targeted to the user, the cost charged being greater when the probability is greater that the user will be at the specific location in the future. The method may be extended to targeting a group of users that expect to be at the same location at the future point in time. Monetization of future locations may depend on the quality and/or quantity of the log data and declarations of future locations and on a number of users in a group of users if monetized according to the group.

Abstract: A method and system for identifying users for advertising. Users, attributes, and first web sites provided by ISPs accessed by the users are identified. First data including content of the first web sites and user time spent thereon are received from ISPs and analyzed to determine first attribute values indicative of user interest. Second data received from ISPs include content of second web sites and user time spent thereon. Second attribute values, derived from questionnaires completed by the users, indicate interest in each attribute by each user. Third attribute values are determined by combining the first and second attribute values. The third attribute values are processed to identify users to which a product or service may be advertised. The identified users are communicated to a service provider or product provider. The first, second, or third attribute values may have missing values, which are determined by correlation and linear regression.

Abstract: Various embodiments are described for computerized advertising systems and methods. The system may include an ad server that includes an impression campaign engine configured to associate a target user profile with a plurality of computing devices. The ad server is also configured to receive a multi-step impression plan including a plurality of triggers from an advertiser. Each trigger is associated with a different advertisement to be served to at least one of the plurality of devices. The system also includes an ad serving engine configured to serve a first advertisement to a first device in response to making an inference from sensors or detecting a first trigger, and a second advertisement to a second device in response to a second inference or detecting a second trigger, according to the impression plan. A predictive model developed from machine learning may be used to develop a learning-based multi-step impression plan.

Abstract: Embodiments of the invention provide a system for generating an Interactive Voice Response (IVR) database, the system comprising a processor and a memory coupled to the processor. The memory comprising a list of telephone numbers associated with one or more destinations implementing IVR menus, wherein the one or more destinations are grouped based on a plurality of categories of the IVR menus. Further the memory includes instructions executable by said processor for automatically communicating with the one of more destinations, and receiving at least one customization record from said at least one destination to store in the IVR database.

Abstract: Systems and methods to process overhead imagery received from overhead image sources are described herein. Examples include accessing an aerial image including a property, determining an owner of the property, determining whether the owner of the property is eligible to be a member of a financial institution, determining whether the owner of the property has property insurance with the financial institution for the property type of the property in the aerial image, and presenting an offer for insurance to insure the property in the aerial image when the owner is determined to be eligible for the financial institution and does not already have insurance with the financial institution. Examples include accessing an aerial image of properties, determining damage estimates, and reserving resources to repair the properties based on the damage estimates.

Abstract: A business model and method for providing and tracking embedded e-mail advertising, where the e-mail sender is compensated in an amount based on the volume of e-mail transmitted which contains embedded advertising.

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

Abstract: A system that incorporates teachings of the present disclosure may include, for example, a controller operable to determine a behavioral pattern of at least one of a subscriber leader and a plurality of subscriber followers who track activities of the subscriber leader. The controller can be further operable to detect a first request to transmit first media content from a first device of a first plurality of devices of the subscriber leader to a second plurality of devices of the plurality of subscriber followers, identify in the first media content a first substitutable advertisement product, substitute the first substitutable product in the first media content with a first advertisement product selected according to the determined behavioral pattern to generate updated first media content, and transmit the updated first media content to the second plurality of devices of the plurality of subscriber followers. Other embodiments are disclosed.

Abstract: Providing advertising sponsored messaging across multi-providers or multi-groups over a communication network, involving a subscriber database that stores profile listing information for each of targeted subscribers; an advertising center that manages selection of an advertiser and content of an advertisement to accompany a message sent to a targeted subscriber; an advertising database that stores, for each participating advertiser, profile listing information of targeted subscribers and targeted groups of subscribers of interest to the respective advertiser; and a caller network in communication with the above; whereby, upon receiving information from a caller identifying a targeted subscriber and providing content of a message to be sent to the targeted subscriber, the advertising center selects an advertiser, and content of an advertisement that accompanies the message to the targeted subscriber.

Abstract: Disclosed are systems, computer-readable medium and a method for delivering advertisements to user devices. The method includes storing first data associated with online and physical activity of plurality of customers, storing second data associated with current status of plurality of advertisers, matching a customer with an advertiser based on analysis of the first data and the second data and delivering an advertisement to a device associated with the matched customers online and physical activity. The on-line and physical activity is captured by a plurality of devices including a mobile device via a plurality of sensors.

Abstract: An object of the present invention is to infer a user's preference or profile with a good precision. A user preference inferring apparatus 100 includes a receiving means 2 which receives information related to an article from a tag attached to the article, an article name determining means 3 obtaining an article name of the article on the basis of the information related to the article received by the receiving means 2, and a preference determining means 4 which infers a user's preference on the basis of the information related to the article received by the receiving means 2. On the basis of the article name obtained by the article name determining means 3, the preference determining means 4 obtains preference information corresponding to the article name from a database that stores the article name and the preference information corresponding to the article name, and determines the user's preference.