A consumer-restaurant data exchange system includes a data store having a restaurant offers database, a pending deals database, a validated deals database, a consumer users database, and a restaurant clients database. A computer processor is coupled to the data store and in communication through the Internet with authorized restaurant representatives' computing devices and with a consumer user computing device. The computer processor is programmed, upon receiving indications from the devices, to receive identifying data from an authorized restaurant representative computing device and use the identifying data and the restaurant clients database to verify communications from the authorized restaurant representative's system computing device. The processor is programmed to serve data comprising content of an authorized restaurant representative's system dashboard to the authorized restaurant representative computing device via the Internet. The processor receives offer data from the at least one authorized restaurant representative's system dashboard running on the authorized restaurant representative computing device, the offer data comprising data describing a minimum dollar amount, a time or range of time in which the offer will be valid, one or more restaurants in which the offer will be valid, and a customer discount associated with the offer. The processor serves data comprising content of a prospective restaurant customer interface to the consumer user computing device via the Internet. The processor receives request-for-bid data from the consumer user computing device via the Internet, the request-for-bid data having data indicating a present or future geographic location of the prospective restaurant customer, an amount of money a consumer user guarantees to spend at a minimum if the user subsequently accepts an offer from a participating restaurant, a time or range of time at which the consumer user will promise to honor a deal, and a venue of the deal. The processor uses the request-for-bid data and a rules-based bid generator to search the restaurant offers database to identify one or more restaurant offers which meet criteria in the request-for-bid data, and serves bid data comprising terms of said identified one or more restaurant offers to the consumer user via the prospective restaurant customer interface. The processor receives from the consumer user via the prospective restaurant customer interface an indication of acceptance of an accepted offer. The processor transforms data in the pending deals database by storing an identification of the accepted offer, and stores a unique ticket number associated with the accepted offer.

A networked and computerized system is disclosed for providing savings and discounts to certain individuals at the time of purchase from a retail outlet. Specifically, savings and discounts may be provided to SNAP recipients (such as products not eligible for SNAP discounts) by manufacturers when certain products are purchased. The individuals eligible for such discounts are determined based upon the payment information and/or based on their eligibility under the SNAP program. Discounts can be taken at the time of purchase or may be transferred to another account.

A payment transaction processing system is described that involves separate instances of a payment transaction facilitation computer program running on the computing device or devices associated with a transaction processing entity, a consumer, and a merchant. The computer program facilitates a consumer's purchase of goods and/or services from a merchant at a physical store or online without incurring credit card or debit card interchanges fees. In one implementation, the transaction processing entity receives payment information from a consumer, or a merchant, or both. The payment amount is withdrawn from a bank account belonging to the consumer and deposited into a bank account belonging to the transaction processing entity. The payment amount less a transaction fee charged by the transaction processing entity is then withdrawn from the transaction processing entity's bank account and deposited into a bank account belonging to the merchant to complete the payment.

A tire management system (100) includes: a first communication apparatus (2) that acquires state information regarding a state of a tire (11) that is transmitted from an air pressure detection device (12) provided in a vehicle (1) when the vehicle (1) is located in a communication range of a predetermined wireless communication standard; and a management server (4) including a storage processing portion (70) that stores, into a storage portion (43), the state information acquired by the first communication apparatus (2).

The present invention comprises a method of creating and organizing a Mutual Insurance Decentralized Autonomous Fund, which is a mutual insurance fund sitting on top of a decentralized autonomous organization, using smart contracts of blockchain technology. The combination between a mutual insurance fund and a decentralized autonomous organization opens up a great chance for policyholders, being also shareholders of the fund, to save their insurance costs. A Selective Groupon Sale is a method to create conditional groupon deals aiming at gathering a group of low-risk policyholders, for example a group of drivers having 5 consecutive years without any claims or accidents, into a DAF to make it a much lower risk insurance fund. Applying these methods together helps lower some of the highest entry barriers for new companies to participate into the insurance market, and so create more competition and help save costs for policyholders altogether.

The present disclosure relates to blockchain and social media, and more specifically, to a unified engagement platform that incentivizes blockchain use and provides avenues for companies to foster brand loyalty amongst consumers. In accordance with aspects and embodiments, a method of facilitating blockchain use is provided. The method comprises providing a social media platform in communication with a blockchain and providing each user of the platform with a blockchain account. Social media influencers and creators, brands, and retailer users of the platform, referred to as partners, are provisioned with a set of digital collectibles having value and are provided with tools to create additional digital collectibles. A partner's digital collectibles are distributed to non-partner users on the platform that support the partner, users referred to as supporters. Supporters may obtain digital collectibles by purchasing them, by engaging in social media activity that benefits the partner, offering the digital collectible, or digital collectibles may be offered by partners as contest and sweepstakes prizes. The platform uses the blockchain for the construction, management, and distribution of all digital collectibles, and each time a digital collectible is created or distributed, a transaction must be posted to the blockchain to complete the distribution.

Methods, apparatuses, and devices for processing a service, including computer programs encoded on computer storage media are provided. One of the methods includes: receiving an application sent from a user terminal of a first user comprising a commitment; verifying a credit value of the first user; in response to the credit value reaching a predetermined credit value, accepting the application of the first user; and in response to the first user failing to fulfill the commitment, triggering a balance compensation process to cause the first user to send a balance resource to the second user by a deadline.

Methods and system are provided herewith for providing information services. A data service in according with the methods and systems disclosed herein may provide content for the data service and/or may provide content to subscribers via the service and the content provider may provide a credit or other benefit to the content provider.

A method, apparatus and computer program product are provided for partitioning prescription transaction costs by determining offset savings amounts to be applied to prescription transactions, based on an adjudicated response from a payer computer. Prescription transactions received from a pharmacy are submitted in real time or near real-time for adjudication. Historical data associated with the patient and prescription is accessed to identify a target patient pay amount. Based on the benefit coverage and/or co-pay amount from the adjudicated response, an offset savings is determined in real-time or near real-time that will partition the prescription transaction cost such that the remaining patient pay amount is aligned with the target patient pay amount.

Embodiments of the present application pertain to a method, a system and an application program providing online interactive entertainment for adults. The system includes a computing device which runs the application program. The computing device broadcasts a live stream session to terminal devices via a communication network. The computing device receives one or more tokens from a user of a terminal device during the broadcast. The tokens are rewards to a host of the live stream session. If an amount of tokens received from the terminal device is greater than or equal to a reward parameter, the computing device establishes a control connection between the computing device and the terminal device. The computing device instructs, through the control connection, an electronic device to perform one or more actions. The electronic device is an adult toy connected with the terminal device.