Provided is a computer-implemented method for determining a dominant account profile of an account. The method may include receiving transaction data associated with a plurality of payment transactions conducted within a predetermined time interval of activation of an account involved in the plurality of payment transactions, generating a dominant account profile classification model, determining a plurality of prediction scores for the account based on the dominant account profile classification model and the transaction data, where determining the plurality of prediction scores includes determining, for the user, a prediction score for each dominant account profile, where a prediction score includes a prediction of whether the user will conduct a threshold value of payment transactions using the account in one or more payment transaction categories of a plurality of payment transaction categories, and communicating data associated with the plurality of prediction scores.

A method for presenting pre-approved and pre-underwritten offers to a customer may include: receiving targeting criteria based on at least one of current accounts with the financial institution, assets, creditworthiness, and credit risk for an offer for a financial product; identifying a target population of customers for the offer by applying the targeting criteria to a population of customers; reviewing each customer in the target population for underwriting for the financial product based on inferred income for each customer and accounts that each customer has with the financial institution, wherein the underwriting is performed before the financial product is offered; determining a channel to present the offer to one of the customers that passed underwriting; communicating the offer to the customer over the selected channel; and providing an accepted offer to a fulfilment engine, wherein the fulfilment engine initiates an account opening for the financial product.

Social network members control access to and utilization of their data. Static information associated with the member is acquired, and computer-based activities of the member are recorded to generate dynamic information associated with the member. A set of member preferences are acquired from the member, including an identification of a third party to whom access of the member profile is granted by the member in exchange for compensation to the member. A member profile is constructed including the static information associated with the member, the dynamic information associated with the member, and the member preferences. The member profile is transmitted to the third party identified in the member preferences, and compensation is provided to the member exchange for access to the member profile. The member profile is stored in a blockchain ledger and is updated by recording each computer-based activity to a record in the blockchain ledger.

The present invention relates to systems, methods and computer program products for providing in-store purchase offers. A control system is configured to receive event data from a mobile device and provide purchase offers based on obtained event data. An optically readable code for verifying that the customer is authorized to take advantage of a purchase offer is displayed on the customer's mobile device in response to an identified event. The consumer is provided with a purchase offer including at least a second product different from the first product associated with an image acquired by the mobile device.

Systems and methods are provided to predict customer behavior during a digital transaction at a point of sale. The disclosed systems and methods can collect information regarding a merchant and the merchant's business as well as information about the current sales environment in which the merchant is operating. From the collected information, the disclosed systems and methods can process the collected information to generate a prediction of future customer behavior in real-time or near real-time.

Systems and methods for generating offers can utilize a rules-based engine using received player information and a set of rules associated with at least one merchant. A subset of the rules can be based on the player information and the set of play preferences. An offer can be generated based on the set of applicable rules, and the offer can be redeemed at a merchant location, which can be a physical location, e.g., a casino, or online gaming platform.

A client device detects a QR code (or NFC tag). The client device decodes the QR code. The client device determines that the data encoded within the QR code includes a URL. Based on the URL, the client device sends a first request to a first server identified by the URL. In response to the first request, the client device receives from the first server data configured to cause the client device to display, to a user of the client device, at least one of: a video or an interactive web page. Responsive to the data encoded in the QR code, the client device sends to a coupon server: identification data associated with a user of the client device, and a request for the coupon server to distribute a digital coupon for an offer associated with an identifier encoded within the QR code to an account associated with the user.

Methods and apparatus to monitor media presentations are disclosed. Example methods disclosed herein include presenting information via a display of a media device, the information indicating that monitor software in the media device can be enabled, the monitor software to monitor media presented by the media device, the monitor software to be disabled by default. Disclosed example methods also include detecting a first user input that is to authorize the monitor software in the media device to be enabled, and in response to detection of the first user input: (i) enabling the monitor software in the media device to generate and report at least one of video fingerprints, audio fingerprints, video watermarks or audio watermarks representative of media presented by the media device, and (ii) transmitting, via a network interface, a notification to a remote monitoring entity to indicate that the monitor software in the media device has been enabled.

An apparatus, computer program product, and method are provided for predictive recommendations of device rendered objects using one or more objective models. In the context of a method, the method generates, for each device rendered object of a plurality of device rendered objects, a multiple objective score. The method also determines a real-time adjustment factor based in part on a received objective adjustment signal and generates, for each device rendered object of the plurality of device rendered objects, an adjusted multiple objective score based on the real-time adjustment factor. The method also generate a ranked device rendered object set, selects a subset of the ranked rendered object set, and transmits the ranked device rendered object subset to a client device associated with the user object of the user object objective, the subset configured for rendering within the user, interface area of the client device.

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 receiving an opt-in from a user and detecting, automatically, an experience of the user. The operations may further include determining an impact potential of the experience and deciding a response strategy based on the impact potential. The operations may also include implementing the response strategy.