Provided herein is a computer system for creating driving challenges for drivers. The computer system may include a processor in communication with a memory device, and the processor may be programmed to: (i) receive driving data associated with a driver, (ii) generate a first model that models the driving data associated with the driver, (iii) calculate a predicted driving score for the driver based at least in part upon the first model, (iv) generate a second model that predicts a confidence of the predicted driving score, (v) calculate a confidence value of the predicted driving score, wherein the confidence value is a squared error of the predicted driving score, and (vi) generate at least one driving challenge for the driver based at least in part upon the predicted driving score and the confidence value for that predicted driving score.

A computer-implemented method is disclosed. The method includes: receiving transfer parameters associated with a request for a first transfer of resources, the transfer parameters including an identifier of a designated transferor associated with the first transfer; determining that the transferor is eligible to access at least one protected data source based on the transfer parameters; generating a request message for the request including reference data for accessing the at least one protected data source; and providing, to a computing device associated with the transferor, the request message.

This application relates to systems, methods, devices, and other techniques for utilizing visual reality shopping experience for users.

This application relates to systems, methods, devices, and other techniques that can be utilized to simulate and analyze behaviors of customers in a retail environment.

Described are a system, method, and computer program product for segmenting a plurality of accounts. The method includes processing transaction data for a plurality of transactions conducted by a plurality of accounts using a plurality of account identifiers, the transaction data for each transaction including data identifying the transaction as an electronic transaction or a physical transaction, segmenting the plurality of accounts into at least two groups including an active customer group and an inactive customer group based on the transaction data for each transaction conducted by each of the plurality of accounts, determining a third subset of customers from the second subset of customers based on at least one predicative model and a transaction profile of each customer of the second subset of customers, and automatically enrolling the third subset of customers into an automated campaign.

An embodiment for generating an electronic coupon based on user preferences is provided. The embodiment may include receiving real-time and historical data relating to one or more reward coupons. The embodiment may also include identifying a contextual situation of the user and one or more preferences of the user regarding a coupon reward type. The embodiment may further include identifying one or more vendors that match with the one or more preferences of the user. The embodiment may also include generating one or more electronic coupons and presenting the one or more generated electronic coupons to the user. The embodiment may further include in response to determining the one or more generated electronic coupons match at least one preference of the user, adding the one or more generated electronic coupons that match the at least one preference of the user to an account of the user.

Generating structured data from screen recordings is disclosed, including: obtaining, from a client device, a screen recording of a user's activities on the client device with respect to a task; performing, at a server, video validation on the screen recording, including by determining whether the screen recording matches a set of validation parameters associated with the task; and generating a set of structured data based at least in part on the video validation.

A method, apparatus, and computer program, each configured for determining a travel propensity, the travel propensity being a distance a customer is willing to travel to redeem a renderable data object, are provided An exemplary method comprises classifying each of a plurality of geographic regions as one geographic region type of a plurality of geographic region types, mapping each of a plurality of redemption locations to a geographic region type, calculating, for a first geographic region type, a first distance that accounts for a predefined number of redemptions, determining a number of merchants having redemption locations within the first distance, calculating a second distance, from a center of a geographic region of the second geographic region type, necessary to include the number of merchants having redemption locations within the first distance, and assigning the second distance as the second geographic region type travel propensity.

A system for a product bundle for purchase may include a user device associated with a given user, and a promotional server. The promotional server may obtain historical online browsing data associated with the given user, and obtain historical shopping data associated with the given user. The promotional server may also generate the product bundle based upon the historical shopping data and the historical online browsing data. The product bundle may include complementary products for purchase each having a purchase price associated therewith. The product bundle may have a bundle price that is less than a sum of purchase prices of each of the complementary products. The promotional server may communicate the product bundle and the bundle price to the user device for display thereon, generate a digital promotion redeemable toward the purchase of the product bundle, and communicate the digital promotion to the user device.

A method of generating and using a 2D barcode to provide an authenticated service subscriber with an adapted offer comprising monitoring and identifying, by a monitoring application associated with a first service provider, a social network for keywords related to a negative subscriber interaction with a second service provider; engaging a subscriber associated with the negative interaction by the first service provider; generating a one-time use 2D barcode associated with an offer and comprising embedded subscriber information; storing the barcode in a data store; sending the barcode to a mobile device; presenting and scanning the barcode; decoding the information by an offer application; authenticating the identity of the subscriber; adapting the offer based on the subscriber information; searching an inventory data store associated with a physical retail location of the first service provider; locating and presenting the adapted offer; and marking the barcode as expired in the barcode data store.