A system for guiding interactions with a user device requests a response from a plurality of users, stores the response as response data forming a subset of a personal data set of each of the responding users, and generates a predictive model during training of a machine learning program utilizing at least one neural network with a training data set including the personal data set of each of the plurality of users. The predictive model predicts a probability of a first one of the users associated with the user device interacting with a first product and/or service by correlating a personal data set of the first one of the users to the personal data set of at least a second one of the users and sends a communication relating to the first product and/or service to the user device when the predicted probability meets or exceeds a threshold value.

A system for guiding interactions with a user device requests a response from a plurality of users, stores the response as response data forming a subset of a personal data set of each of the responding users, and generates a predictive model during training of a machine learning program utilizing at least one neural network with a training data set including the personal data set of each of the plurality of users. The predictive model predicts a probability of a first one of the users associated with the user device interacting with a first product and/or service by correlating a personal data set of the first one of the users to the personal data set of at least a second one of the users and sends a communication relating to the first product and/or service to the user device when the predicted probability meets or exceeds a threshold value.

One embodiment of the present invention relates to a product promotion method. Another embodiment of the present invention relates to a product promotion system. In one specific example, the present invention provides a product promotion method, comprising: selecting at least one winning prize for the product promotion; selecting a time period over which the product promotion will be run; selecting a number of prize-winning items that are sold in a store; and providing at least a portion of the winning prize to a person who purchases from the store, during the time period over which the product promotion will be run, all of the selected prize-winning items.

The present disclosure relates generally to a system that provides zero, one or more benefits to a consumer in association with the consumer utilizing an instrument associated with a qualifying financial account to purchase goods and/or services, wherein an amount of any benefits may be disproportionate to the value of the purchased goods and/or services.

In various embodiments, promotions are featured on mobile gaming devices. Data based on which a first promotion associated with a first advertiser may be displayed on a mobile gaming device. The data may include a first set of criteria identifying when the first promotion should be displayed.

A system for providing loyalty points to one or more customers is described. The system comprises, one or more business devices, one or more customer devices, and a loyalty reward system, where the loyalty reward system communicatively coupled to the one or more business devices and the one or more customer devices. The loyalty reward system is configured to generate digital promotional content based on obtained information associated with one or more attributes of one or more promotional offers provided by a business. The loyalty reward system is further configured to track customer activities associated with the generated digital promotional content. Upon receiving a request from the business device, the loyalty reward system provide loyalty points to the respective one or more customer device, when the one or more customer activities meet predefined activity conditions.

Prior arrangement information is automatically fetched in response to detection that a radio presence advertising mobile device of a user is disposed in a region of interest that is operatively adjacent to a transaction-processing location. The fetched information is used to automatically modify the transaction.

Methods for providing decentralized product and rewards delivery platform are provided. The method includes: issuing, by an asset management unit, a number of fungible tokens according to a number of products related to the company in a predetermined period of time provided by the company; distributing the fungible tokens into wallets of users who purchase one of the products of the company from a platform; issuing drawing tickets to the wallets of the users who redeem the fungible tokens, where the drawing tickets are automatically entered into a rewards pool for drawing; drawing rewards in the rewards pool to determine winners from the users who have the drawing tickets, according to reward rules; and issuing the rewards using smart contracts and depositing the rewards into wallets of the winners. The winners redeem the rewards by claiming the drawing tickets in their wallets.

A method for transparent, online raffles is disclosed. The method provides for users to set up and hold online public raffles and solicit participants to join. Participants purchase unique tickets that are non-fungible tokens (NFTs) on a block chain. The web-based platform allows every participant to view their NFTs within the block chain's smart contract to promote fairness and transparency. The block chain also automates the random winner process, invitations, notifications and reward allocations amongst the stakeholders. An object of the invention is to provide a simple method to allow users to hold legitimate raffles online.

Systems and methods are disclosed for routing and settling transactions between bank accounts associated with registered users and merchants. The method includes determining transactions for payment accounts associated with payment vehicles of registered users. The outstanding amount associated with transactions of each payment account is aggregated based on a first preset time period. The payments for the aggregated outstanding amount are transmitted to recipient accounts of merchants based on the first preset time period and/or a pre-determined total outstanding amount threshold. The transmitted payments are aggregated based on a second preset time period, the first preset time period being a subset of the second preset time period. The amount of the aggregated transmitted payments is deducted from the payment account based on the second preset time period. A user interface of the device of the registered user presents information regarding deduction of the aggregated transmitted payments from the payment account.