An offer processing system is configured to receive transaction data associated with user purchases from third party point of sales devices and/or third party payment processing systems. The offer processing system may then identify offers or savings that are applicable to the transaction data and redeem the offers on behalf of the users.

A social network for merchants is described. A payment processing service can receive first merchant information associated with characteristic(s) of a first merchant and second merchant information associated with characteristic(s) of a second merchant. The payment processing service can determine a similarity between the first merchant and the second merchant based on analyzing the first merchant information and the second merchant information with a data model. Based at least in part on the similarity, the payment processing service can associate the first merchant and the second merchant with a merchant group and enable the first merchant and the second merchant to access a service associated with a merchant social network based at least in part on the association with the merchant group.

A variety of systems, methods and arrangements are implemented in connection with a processor-controlled routing arrangement. According to one such implementation, a computer-implemented method facilitates payment provided between disparate payment networks of buyers and sellers. The method uses a computer-arrangement to interface with a social website that has user profiles, each user profile corresponding to a user identifier, and for use with a seller website that offers products or services for purchase by users and that generates transaction data for a current user accessing the website. A current user identifier corresponding to a current user profile and the transaction data is communicates to the computer-arrangement. A buyer payment network is selected from a plurality of disparate buyer payment networks that are each associated with the current user identifier. Based upon the selection, the transaction data is formatted to facilitate payment against the selected buyer payment network.

Systems and methods related to resource distribution for a fleet of machines are disclosed. A system may include a fleet of machines each having an associated resource capacity and a resource requirement to perform a task. The system may further include a controller having a resource requirement circuit to determine an aggregated amount of the resource requirement and an aggregated amount of the resource capacity. A resource distribution circuit may adaptively improve, in response to an aggregated amount of the resource capacity, an aggregated resource delivery of the resource.

Techniques are described for authenticating a user to perform secure transactions with a secure system via social media channels. In one example, the secure system may comprise a financial institution with which the user has at least one financial account, and the transaction may comprise a transfer of funds initiated within a social media application executing on a user computing device. According to the techniques of this disclosure, the secure system authenticates the user to perform the transactions based on a combination of a device identifier (ID) associated with the user computing device, a biometric ID of the user of the user computing device, and a social media ID associated with a social media account held by the user.

Systems and methods for predicting language dialects for a user to improve a user interface of an application are disclosed. In one embodiment, a system receives a request to determine a default dialect for an application executing on a user device. The system acquires user information corresponding to a user of the user device. Based on the user information and using a clustering algorithm, the system assigns the user to a cluster associated with a dialect. The system provides the dialect to the user device for display in a user interface as part of a sliding scale of selectable dialects of the application such that the dialect is provided as the default dialect for text and other message communications in the application. The system learns from the user's choice of dialect to provide more accurate dialect predictions in the future for other users.

Systems and methods disclosed herein provide a geo-targeted online reservation system that ensures authenticity of customer devices requesting reservations by generating reservations only if threshold authentication conditions are satisfied. For example, a computing device registered with a server system receives inputs for requesting a reservation of a limited release product and for configuring the product. To authenticate the computing device, the server device transmits an electronic message to the computing device requesting the computing device to respond. A response to the message is one threshold authentication condition for generating the reservation. Upon determining that one or more threshold authentication conditions are satisfied, the server device generates a reservation for the product.

A method for the use of electronic transactional tokens includes: generating a plurality of transactional tokens including a first token; associating each of the transactional tokens with a plurality of users, the first token associated with a first user; monitoring usage of the transactional tokens in a plurality of transactions in a local region or network; and in response to receiving transactional data for the first transaction, updating the first token from a first state to a second state (e.g., to provide a benefit when the token is applied in the local region or network). The tokens may be generated and monitored using a token processing system, which uses transaction data received by a transaction handler that is handling transaction processing for the transactions.

The present disclosure provides systems and methods for an address exchange system including a controller configured to provide an API configured to receive an identifier from a user and further configured not to receive a physical address from the user, wherein the user provides an item for shipment to the physical address. In response to receiving the identifier, the controller is further adapted to request the physical address from a data storage system wherein the data storage system stores an association between the identifier and the physical address and further stores one or more permission settings defining situations in which the physical address is to be provided in response to receipt of the identifier. In response to receipt of the identifier, the data storage system tests the permission settings to determine whether or not to provide the associated physical address.

A computer-implemented system and method for performing social network secure transactions is provided. A message with a hashtag associated with a recipient of payment and payment information including at least a payment source for a payment from a payor to a recipient is received. The message is intercepted from the social network platform for transfer to a separate payment platform. The payment information of the payor is validated and the recipient associated with the hashtag is identified using the list of recipients. The payment information is processed on behalf of the recipient associated with the hashtag using the payment source in the message from the payor.