Apparatus and associated methods relate to presenting for selection, services comprising at least one bundled set of healthcare services to be performed separately by respective providers, determining a bundle price for the at least one bundled set of healthcare services and in response to receiving payment in an amount of the bundle price, generating a persistent purchase data record with a unique confirmation number that is selectively redeemable by the user to receive each of the healthcare services in the bundled set. The bundle price may be discounted and/or based on the location or time at which at least one service will be performed. The bundle price may also be based on the user's remaining health insurance deductible. A single payment may be disbursed to multiple providers of the bundled set of healthcare services. The received and/or disbursed payment may be in virtual funds.

Systems and methods for the selection of the promotions are provided. A set of possible offers are initially received, each including a set of variables, with each variable having a set of possible values. These form a combination of variable values for each offer. A heuristic is applied to all possible offers to reduce the number of offers being considered. The combination of variable values for these reduced number offers is converted into a vector value, which is then scored, ranked and the top ranked offers are selected for inclusion in a promotional campaign. The remaining offers are then analyzed to select additional offers to include into the promotional campaign which maximizing a determinant for the selected offers using their vectors. All selected offers are administer in a promotional test campaign across many consumer segments. Feedback from the campaign may be collected to generate a “general” offer.

Aspects of the present disclosure involve a system comprising a computer-readable storage medium storing a program and method for providing a content-based incentive program. The program and method provide for receiving, from a device, a request for submitting a media content item to a content feed associated with an incentive program providing for user payout based on meeting content criteria; determining that the media content item meets the content criteria; adding the media content item to a set of media content items which meet the content criteria and which are available via the content feed; providing access to the media content item in association with the content feed; selecting, based on the providing and at least in part on viewer engagement, the media content item from among the set of media content items for the user payout; and providing, based on the selecting, the user payout to the user.

Apparatus and associated methods relate to presenting for selection services comprising at least one bundled set of healthcare services to be performed separately by respective providers, determining a bundle price for the at least one bundled set of healthcare services, and in response to receiving payment in an amount of the bundle price, generating a purchase data record selectively redeemable to receive each of the at least one bundled set of healthcare services, and transmitting a unique confirmation number generated for the purchase data record. One or more service of the bundled set may be a dental or veterinary service. The bundle price may be based on a location or time at which at least one service will be performed and may be determined using a user's remaining insurance deductible. Payment may be disbursed to multiple providers of the bundled set of healthcare services. A payment may be virtual funds.

A risk relationship package data store may contain electronic records, each electronic record representing a risk relationship package between an enterprise and an entity, and including, for each package, an electronic record identifier and an overall attribute value. A computer server may transmit, to a remote device associated with the entity, a set of potential types of risk coverage based on information in an available type of risk coverage data store. The server may then receive an indication of a selected subset of the potential types of risk coverage and, based on the received indication and a pre-determined rule, generate a risk relationship package for the entity using a flexible structure framework. The server may calculate an overall attribute value for the package based on an attribute algorithm (such that at least one reduction to the overall attribute value is applied based on an amount associated with the selected subset).

Aspects described herein may relate to techniques for segmenting one transaction into multiple sub-transactions. A user may wish to purchase multiple items. The overall purchase request may be segmented into multiple sub-transactions based on a transaction category of each item. Transaction categories may be based on merchant category codes (MCCs). Each sub-transaction may include one or more items related to the same transaction category. Each sub-transaction may be underwritten and approved separately by the merchant and/or a financial institution (e.g., a credit card company). Financial information related to each different transaction category may be determined based on the sub-transactions. Reward offers may be provided in a more robust manner based on the different transaction categories determined during the purchase process.

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.

A computer-based content delivery method includes receiving from a first user a request for content; based on said request, delivering particular content to said first user, wherein said particular content was selected based on information associated with a second user distinct from said first user. The first second users are members of a similarity group, and the second user is a leader of said group and said first user is a follower in said group.

Links are generated between local merchants and community programs for merchant incentives to customers for the programs which are tracked for online-offline customer transactions using incentives. Participants' identifiers are linked to payment sources. Offline-online transaction data is collected in a data storage area. All data in the data storage area may be utilized by logic tool, which may provide information, such as details of consumer behavior and analytic reporting. Rich data provided by pre-transaction chat sessions between merchants and potential customers are matched with rich data provided by subsequent transactions between the merchants and their customers, and a level of certainty may be determined as to the accuracy of the match of a prior chat session to a subsequent transaction.