Some embodiments of the invention provide tools for promoting a user’s financial well-being by encouraging positive financial behavior through timely feedback, counseling and instruction. For example, some embodiments of the invention may provide real-time (e.g., in response to a transaction being performed, or in response to the user indicating he/she is contemplating a transaction) useful analysis and advice designed to encourage the type of ongoing financial behavior that leads over time to financial well-being.

Proposed is a blockchain-based virtual currency intermediation and distribution system according to a point return, which can calculate, at a set rate, the amount of return for points that are given or paid offline or online for a user's product purchase or service use, and either convert the calculated amount of point return into a cash currency stepwisely, or convert the calculated amount of point return into a virtual currency recordable on a blockchain according to accumulated points, thereby securing stability and complementarity to support virtual currency transactions.

A system may include processor(s), a memory in communication with the processor(s), and storing instructions, that when executed by the processor(s), are configured to cause the system to prevent unnecessary payments. The system may receive a signal indicative of an event in which a user device associated with a user enters a geofenced area associated with a merchant. The system may identify a merchant category code (MCC) associated with the merchant, and determine whether benefit(s) related to the MCC are associated with account(s) of the user. The system may receive an attempted purchase associated with the merchant, and may determine whether the attempted purchase relates to the benefit(s). The system may automatically block the attempted purchase related to the benefit(s) and associated with the user, and may transmit a message to the user via the user device, the message providing the benefit(s).

A system may include processor(s), a memory in communication with the processor(s), and storing instructions, that when executed by the processor(s), are configured to cause the system to prevent unnecessary payments. The system may receive a signal indicative of an event in which a user device associated with a user enters a geofenced area associated with a merchant. The system may identify a merchant category code (MCC) associated with the merchant, and determine whether benefit(s) related to the MCC are associated with account(s) of the user. The system may receive an attempted purchase associated with the merchant, and may determine whether the attempted purchase relates to the benefit(s). The system may automatically block the attempted purchase related to the benefit(s) and associated with the user, and may transmit a message to the user via the user device, the message providing the benefit(s).

A method for predicting user purchase by a user of a first site includes: selecting a distribution representing a probability distribution (PD) of inter-purchase-times (IPTs) across the first site and a second other site for each user, assigning each purchase of each user to one of the first site and the second site according to a Stochastic model, combining the selected PD with the Stochastic model to generate a PD of IPTs for only the first online site, estimating parameters of the probability distribution of IPTs for the first site by applying a Statistical modeling approach to features of each user, applying a sequence of observed IPTs of a given user for the first site and the parameters of the given user to the selected distribution to generate a probability, and determining whether the next purchase occurs on the second site based on the probability.

A method for predicting user purchase by a user of a first site includes: selecting a distribution representing a probability distribution (PD) of inter-purchase-times (IPTs) across the first site and a second other site for each user, assigning each purchase of each user to one of the first site and the second site according to a Stochastic model, combining the selected PD with the Stochastic model to generate a PD of IPTs for only the first online site, estimating parameters of the probability distribution of IPTs for the first site by applying a Statistical modeling approach to features of each user, applying a sequence of observed IPTs of a given user for the first site and the parameters of the given user to the selected distribution to generate a probability, and determining whether the next purchase occurs on the second site based on the probability.

A mobile charging station for a high voltage electric vehicle including a mobile vehicle for transporting charging apparatus. The charging apparatus includes an electric energy source for providing electricity, a circuit for converting the energy source electricity to a specific voltage range required by the electric vehicle to be charged and at least one connector engageable with a charging connector on the electric vehicle to be charged. The mobile charging station may be driven to the location of the electric vehicle. A vehicle charge may be initiated by a communication sent from a cellular device or a mobile communication device. The mobile charging station may include a remote command center capable of receiving communication from a consumer and remotely initiating a service call to the consumer or an automatic battery health and safety check system to ensure the battery is not leaking, or over heated to prevent vehicle fire.

Methods and systems for processing trip-based insurance policies for vehicles. According to aspects, a trip-based insurance policy of a vehicle specifies an amount of trip units for insured vehicle travel and has an associated policy term. In certain cases, a customer may exhaust trip units before an expiration of the policy term. The methods and systems therefore enable the purchase of additional trip units so that the customer remains insured. In other cases, upon expiration of the policy term, an insurance provider may calculate an amount of unused trip units. The insurance provider may determine one or more types of credit that are based on the amount of unused trip units. The insurance provider may also apply the one or more types of credit to an account of the customer.

A blockchain-based multi-merchant loyalty point partnership system may include a blockchain API host that receives a request to create a partnership smart contract for a multi-merchant loyalty point partnership. The request may specify various partnership parameters to include in the partnership smart contract. The blockchain API host may create the partnership smart contract and write the partnership smart contract to a blockchain. One or more qualified merchants may join the partnership smart contract to make the partnership active. In response to a customer completing a plurality of purchases that complete the partnership parameters of the partnership smart contract, the system may issue the customer a purchase reward which may include a loyalty point payout.

A device may process a message associated with an account to identify a first identifier that identifies a third party. The device may identify a match between the first identifier and transaction information related to an individual associated with the account. The transaction information may include a set of first identifiers that identify a respective set of third parties. The transaction information may facilitate identification of one or more messages that is likely to include account information. The device may tag the message with a second identifier based on the match. The device may receive, from another device, the message based on the message being tagged with the second identifier. The device may process the message to identify the account information related to another account. The device may extract identified account information from the message. The device may perform an action related to extracted account information or the message.