A system and method are provided for employing voice-activated user interfaces to determine user attention to particularly-presented advertising content by collecting user contact/consumer information, presenting content to the user/consumer, and proposing at least one question, inquiry or query to the user regarding the presented content, the at least one inquiry or query calling for a user/consumer response to be collected, at least one of (a) the user/consumer contact information and (b) the user/consumer response to the question, inquiry or query being collected by the system via a voice-activated user interface and evaluated to assess a level of engagement of the user/consumer with the advertising content. The disclosed systems and methods uniquely provide voice-activated user interface coupled with display of certain advertising content in a manner that promotes user/consumer attention to the advertising content and ease of interaction with the presentation system.

An information processor obtains first data related to movement of a first user, and determines an incentive provided to a plurality of users including the first user, when determining that the users who got together by vehicle received a predetermined service while traveling together, in a predetermined area, based on at least the first data.

An information processing apparatus that provides an online service associated with movement is configured to: acquire skill information that is information about driving skills for a predetermined user; and give an incentive associated with the online service to the user based on the skill information.

Disclosed herein is a system and method to allow sellers of products to enroll a bank account in a multi-level marketing (MLM) system by providing the MLM system with a seller and a bank account to be issued and provides a first applicant to sign up for that bank account and then allow the purchaser to enroll themselves in the MLM system as well as to allow the bank account holder to easily advertise the bank account to a second applicant. *The second applicant can do the same, by applying for a bank account and, assuming they are approved, advertising to a third person and so on. *Commission is payed to the upline bank account holders based on transactions made by the persons they referred at preset commission levels. *Once the bank account holders are enrolled, they are provided with a code, to refer other users. *The bank account holding users can pass the code via link onto the user's followers, such as family, friends, colleagues, etc. to allow them to become part of the MLM tree. *The system also acts as a bank and allows users to open bank accounts which allows the system to collect data on user banking habits. Further, any bank account, whether issued by the MLM system or by another party, can be registered with the system just like any other product and commission can be paid upline whenever a user makes a bank account transaction. *Money stored by users within the MLM system can then be invested by the MLM, and users may be given a portion of the payoff of those investments in interest. Users may also be paid commission directly into their accounts for convenience.

An apparatus for providing a bundled set of individually redeemable healthcare services in a purchase data record, determining a Good Faith Estimate (GFE) for the at least one healthcare service of the bundled set, associating the purchase data record with user debt for purchase of the healthcare services, providing a digital health asset token representing the purchase data record identified by and with a unique confirmation number, said purchase data record comprising the associated user debt of the at least one bundled set of healthcare services, and providing marketplace access to the token to finance the debt. The marketplace may use the token for buying, selling or trading the bundled set of healthcare services to finance the debt. The token and a Good Faith Estimate (GFE) may be provided to an Independent Dispute Resolution (IDR) process for resolving a dispute under the No Surprises Act.

Apparatus and associated methods relate to a rewarded viewing video distribution system configured to reward a user for viewed video content based on presenting video content to a user, assigning the user rewards generated based on the value of the video portion viewed, and automatically presenting the user with marketplace credit to spend the rewards. In some embodiments, the viewed video portion value may be determined as a function of a predetermined reward threshold. In an illustrative example, the predetermined reward threshold may be the video percentage viewed. Various implementations may employ a reward threshold based on advertisements viewed, permitting advertisement spending adapted as a function of verified advertisement views. Some examples may reward views using a video player plug-in. Some embodiments may permit a user to spend viewing rewards on affiliated partner services or products. Various examples may advantageously provide earned rewards spendable via an integrated rewards spending gateway.

A system for employing machine learning to generate customized notifications for a user is provided. The system may identify a landmark in proximity to a user's mobile device and may obtain information associated with products or services offered by the landmark. While the mobile device is within a predetermined distance of the landmark, a machine learning model may be employed to generate a customized notification, such as an offer—e.g., a discount or a special financing offer for one of the identified products—generated specifically for use by the user based on the user's spending and/or financing history. The customized notification may be transmitted to the mobile device with a security key for accessing the offer. In response to receiving an indication that the security key was selected and the product purchased, the user may be authenticated and the offer may be applied to an account associated with the user.

A method for managing reward value related to a transaction account is described. The method includes receiving a redemption request; generating a reward cost based on at least a conversion rate and a transaction amount; updating a reward value in an account profile to place a hold on an amount of the reward value equivalent to the reward cost; and deducting a deduction amount from the reward value.

Prospective deals for a deal vendor's deal inventory may be scored according to one or more population-specific expected-yield scores, such as expected revenue yield, expected new customers yield, and the like. A prospective deal is categorized and characterized according to a number of yield-related characteristics. Some or all of the prospective deal's characteristics are mapped to yield components derived from completed deals that have been offered to a particular population. An expected-yield score for a prospective deal with regard to that population is obtained by combining the mapped yield components.

Methods and systems are provided to allow for merchant or third party controlled adjustment of a physical environment around a user. Such adjustments may be in response to user actions and may create a more immersive experience for the user. Such adjustments may be determined from interaction data received from a user device, with may identify a service provider, a product, or an activity that the user is currently engaging in or is interested in. One or more secondary devices may be identified to be within an area around the user device and one or more environmental rules associated with the service provider, product, or activity may be determined and communicated to the one or more secondary devices to cause the one or more secondary devices to adjust a physical environment of the area proximate the user device.