Databases storing digital fingerprints of physical objects enable enhanced security and collaborative authentication. Digital fingerprints enable reliable identification of an object without the need for attaching or associating physical tags, labels or other identifying materials with the object; and serialization for identification also is obviated. By combining digital fingerprinting and data collaboration in one process, parties to the data collaboration can gain a level of certainty that data attributed to an object by different parties or at different times is attributed to only that object and not erroneously attributed to an incorrect or counterfeit object. Collaborative authentication platforms and processes, combining digital fingerprint databases with associated incentive databases, contribute enhanced information to the authentication databases, and provide unparalleled reliability and enriched metadata to supply chain tracking, detecting counterfeit objects, and other applications.

A mobile terminal includes a wireless communication unit communicating with a point-of-sales (POS) terminal positioned nearby, and a controller performing, when a payment event regarding goods occurs, payment regarding the goods together with the POS terminal using an image received from the outside, wherein when a facial image corresponding to the image corresponds to a previously registered user, the controller approves payment regarding the goods and generates evaluation information regarding the goods using the facial image included in the received image.

This disclosure provides a loyalty program on a network-wide level. Embodiments may associate UPC and SKU data on a network level to reward consumers and/or to analyze the data for a variety of business purposes, such as market segmentation analyzes and/or analyzes relating to consumer spending behaviors or patterns, for example. In accordance with one embodiment, the network may comprise any number of participants, including consumers (such as primary and supplementary members of an aggregate consumer account), retailers (e.g. including any of their employees), manufacturers, third-party providers, and the like. In accordance with one embodiment, this disclosure enables participation by supplementary members who are associated with a primary member and, in this manner, facilitates the tracking of supplementary member purchasing behavior, reward points earning behavior, and reward points redemption behavior.

A parent-and-child health study assistance system includes a data management section managing health study data used for a health study of at least one of a parent and a child in a family including a user as a family member, a level calculation section calculating a contribution level for the health study of the user based on input of the health study data, an incentive provision section providing the user with an incentive used as a profit corresponding to the contribution level, in conjunction with input of the health study data, an access control section managing an access authority to access the health study data, and an analysis result provision section providing an analysis result of analysis processing using the health study data.

A system may include a memory and a processor in communication with the memory. The processor may be configured to perform operations. The operations may include engaging a user in a primary activity; the primary activity may include a plurality of stages. The operations may include compiling at least one risk-reward score for an advertisement placement of an advertisement for at least one of the plurality of stages. The operations may include updating, dynamically, the at least one risk-reward score and identifying a recommended stage for the at least one advertisement; the recommended stage may be based on the risk-reward score. The operations may include displaying the at least one advertisement to the user at the recommended stage.

A system may include a memory and a processor in communication with the memory. The processor may be configured to perform operations. The operations may include engaging a user in a primary activity; the primary activity may include a plurality of stages. The operations may include compiling at least one risk-reward score for an advertisement placement of an advertisement for at least one of the plurality of stages. The operations may include updating, dynamically, the at least one risk-reward score and identifying a recommended stage for the at least one advertisement; the recommended stage may be based on the risk-reward score. The operations may include displaying the at least one advertisement to the user at the recommended stage.

A method of determining a discount amount for an electronic commerce transaction can include determining, by a processor, whether a member of a financial institution has posted a review for an electronic commerce purchase within a preset threshold amount of time from a time when the member received a purchased item. Upon identifying the time at which the member posted the review, the processor can determine an eligible time period based on the preset threshold amount of time and the identified posting time. The processor can determine the number of occurrences of different eligible discount earning events by tracking, for the eligible time period, activities related to the review performed on one or more social media platforms. The processor can determine a discount amount based on the determined discount earning events and transmit an instruction to credit a financial account with a credit amount corresponding to the discount amount.

Methods, computer program products, and systems are presented. The methods include, for instance: adjusting a delivery route by use of incentives. In one embodiment the adjusting may include: based on constraints for entities, generating a delivery route that optimizes a target criteria based on criteria constraints of entities subscribing to a routing optimization system; receiving a request to change the delivery route from a requesting entity of the entities; generating a new route by use of a new set of constrains comprising additional constraints formulated from the request; analyzing the new route for impact to the entities on the criteria constraints; calculating the incentives respective to the entities based on the impact and characterization of the requesting entity; communicating the incentives and the new route amongst the entities and deploy the new route once accepted by all of the entities.

The present disclosure relates to systems and methods for personalized product communication, conversion, and retargeting. In some embodiments, the disclosure is directed to systems and methods that allows users to capture product-specific purchase intent by sending a cellular message containing a picture of a product tag, receiving that product's internet URL in reply via cellular message, and receiving later promotions related to that product from a retailer via cellular messages. In some embodiments, the present inventions allows the unique capability to capture and convert in-store interest with product specific promotions and conversions in a way not previously utilized in the retail space.

The present disclosure relates to systems and methods for personalized product communication, conversion, and retargeting. In some embodiments, the disclosure is directed to systems and methods that allows users to capture product-specific purchase intent by sending a cellular message containing a picture of a product tag, receiving that product's internet URL in reply via cellular message, and receiving later promotions related to that product from a retailer via cellular messages. In some embodiments, the present inventions allows the unique capability to capture and convert in-store interest with product specific promotions and conversions in a way not previously utilized in the retail space.