A method for access to a digital content distribution platform includes receiving a request for initial access of a user and granting access to the digital content distribution platform based upon the request for initial access. Granting access includes providing the user with a line-of-credit configured to renew at least a portion of the line of credit when a debt accrued in the line-of-credit is satisfied. The method includes receiving a selection of a digital content file and providing the user with access to the selected digital content file in exchange for the payment from the line-of-credit. The method includes incorporating an interactive advertisement into the selected digital content file according to a parameter associated with the user with the interactive advertisement configured to receive an interaction. The method includes renewing, in response to the interaction, at least a portion of the line of credit.

A retail ticking system including a processing unit, a web services server for receiving sent messages from a terminal client device and delivering presentation data to the terminal, a credential server for receiving and verifying a processed credential access request, a profile management server for storing and retrieving user information, and a message broker adapted to receive and manage event messages.

A method and a system include receiving a request to process a transaction, identifying, by the messaging application, transactional data based on the request, the transactional data corresponding to a user profile associated with the client device in an entity graph, determining a first desensitized data item associated with the user profile being included in the transactional data, providing for display a first user interface of the messaging application including a first user-selectable element corresponding to a completion of the transaction, receiving an indication of user selection of the first user-selectable element, and transmitting the transactional data to a secured processor.

Disclosed are methods and systems to provide a streaming service platform that allows communication sessions and payments to an artist based on user-centric royalty models and additional payment requests by users including a method that comprises: determining characteristics of the output of media content selected for output in association with a user account over a period of time, determining, based on the characteristics of the output, an intent value associated with the user account in relation to the media content, and generating an attribution schedule indicating a degree of attribution for the entity based on the determined intent value. The method may further comprise determining that the period of time has lapsed and facilitating a transfer of funds to an entity account associated with the entity utilizing the attribution schedule and based on the period of time lapsing.

A pervasive advisor for major purchases and other expenditures may detect that a customer is contemplating a major purchase (e.g., through active listening). The advisor may assist the customer with the timing and manner of making the purchase in a way that is financially sensible in view of the customer's financial situation. A customer may be provided with dynamically-updated information in response to recent actions that may affect an approved loan amount and/or interest rate. Underwriting of a loan may be triggered based on the geo-location of the user. Financial advice may be provided to customers to help them meet their goals using information obtained from third party sources, such as purchase options based on particular goals. The pervasive advisor may thus intervene to assist with budgeting, financing, and timing of major expenditures based on the customer's location and on the customer's unique and changing circumstances.

Disclosed herein are system, method, and computer program product embodiments for providing recommendations for splitting bills. The approaches disclosed include the ability to obtain information about a bill to be split (such as a photo of the bill), and then use several machine learning models to determine the ‘who,’ ‘what,’ and ‘where’ of the underlying transaction. In particular, machine learning models described herein are used to perform facial recognition of a ‘selfie’ taken when a transaction was made against social media accounts to determine participants of the transaction. The machine learning models may also identify expected pricing from data about a merchant associated with the transaction, and expected amounts for each participant based on the expected pricing.

The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.

An automated system/method for identifying and enabling viewer selection/purchase of products or services associated with digital content presented on a display device. Products within the digital content are identified and existing product placement data is ascertained. For products that do not include such data, other methodologies, with the assistance of third-party servers, are employed to assess identity and purchase availability. Viewer input designate products to assess or products can be automatically assessed. Viewers initiate purchase of identified products via the display device or other electronic devices controlled by viewers, such as via viewers' smart phones. Various processes for identifying products include use of AI processing, access to data on third-party servers, crowd sourcing and other methodologies. Various techniques for selecting products for purchases are employed including employing 3D codes (e.g., QR codes) alongside presented products to enable other portable electronic devices to facilitate purchase. Other features are described.

An online donation and payment management system. The system includes at least one user-recipient client device, at least one user-donor client device, a network system, at least one database for storing user profile information, an enterprise management server, and a donation gateway engine. The enterprise management server having one or more computer programs, one or more processors and one or more computer-readable storage media. The server is configured to create a profile for a user-recipient and store the profile in the first database, assign a unique account number to the user-recipient, create a virtual donation account for the user-recipient, generate a table to link the user-recipient's unique account number to the virtual donation account created for the user-recipient, receive a donation request from the at least one user-recipient client device, via the network, create an electronic payment link corresponding to the donation request, and publish a donation petition corresponding to the donation request to a donation platform, wherein the donation petition includes the electronic payment link.

A system includes a hardware processor and a memory storing software code, the software code is executed to receive an assembly message for a plurality of users including first and second users to assemble at a same physical or virtual location, confirm that the first and second users are present at the same physical or virtual location, verify that each of those users is an owner of a respective NFT related to the assembly message, and generate a smart contract governing minting of variant NFTs. The software is further executed to mint, based on the smart contract, a first variant NFT based on the NFT of the first user and a second variant NFT based on the NFT of the second user, and distribute the first or second variant NFTs to the first user and the other of the first or second variant NFTs to the second user.