Techniques for adaptive validation and remediation are described. In some embodiments, the method includes determining, for a plurality of media service accounts, corresponding fraud suspicion values based on a model. The method also includes identifying a plurality of suspected accounts based on the corresponding fraud suspicion values. The method additionally includes identifying one or more suspected devices and predicting a likelihood of account takeover from each of the one or more suspected devices. The method further includes detecting a triggering event from a device of the one or more suspected devices associated with an account. The method additionally includes executing a validation and/or remediation procedure based on a trigger sensitivity value associated with the triggering event, a respective likelihood of account takeover from the device associated with the account, a respective device risk value associated with the device, and a respective fraud suspicion value associated with the account.

A discount percentage determination system includes: an information acquisition unit configured to acquire, from a database in which residential areas and electronic payment information of consumers who made electronic payments are recorded in association with each other, the electronic payment information for each of the residential areas; and a discount percentage determination unit configured to identify a tendency of the electronic payments for each of the residential areas based on the electronic payment information for each of the residential areas and to determine for each of the residential areas a discount percentage for prices of items for sale at a predetermined store according to the identified tendency.

A system for processing a digital promotion may include mobile wireless communications devices and a digital promotion server. The digital promotion server may be configured to operate a messenger bot to collect information and communicate a first digital promotion for a first product to at least one mobile wireless communications device based upon the collected information. The digital promotion server may also be configured to determine an underperforming redemption location for the first digital promotion for the first product having underperforming sales of the first product relative to other redemption locations and obtain an identification of a second product also included with the first product from transaction receipts. The digital promotion server may also be configured to generate a second digital promotion associated with the second product for redemption at the underperforming redemption location and communicate the second digital promotion to the mobile wireless communications devices.

Techniques are disclosed to determine when a user is in need of a loan and notifying the user of loan offers. With user permission or affirmative consent, user data may be monitored for several users, which is used to build a user profile for each user. The user profile may then be analyzed to determine whether a user will require a loan within a future time period. To do so, the user data may include data from various sources, which indicate the user's interactions and behaviors such as demographic data, data indicative of user shopping habits, online browsing, life events, or other relevant behaviors. This data may then be analyzed to predict a statistical likelihood that a user will need a loan. When this statistical likelihood is exceeded, a user may be preapproved for a loan and/or a targeted notification may be sent indicating offers for certain types of loans.

Methods and apparatus for multi-account adjustment in third-party privacy-protected cloud environments are disclosed herein. A disclosed example apparatus includes memory and processor circuitry to execute computer readable instructions to select a demographic characteristic, the demographic characteristic defining a segment of panelists, select a type of client device, determine a number of the panelists associated with the demographic characteristic and the client device, and define a multi-account adjustment factor for the demographic characteristic and the client device, the factor based on a ratio of a number of panelists to a number of user accounts, the user accounts associated with the determined number of panelists.

The novel invention provides methods and systems for automated production of merchandising displays. The displays can be assembled in whole, shipped in whole and filled with customer-selected products in customer-selected amounts, filled with criteria-selected products in criteria-selected amounts or both.

A method for retargeting in a system including a plurality of vehicles having exteriors configured to convey messaging to occupants of other vehicles. Communication signals including information relating to time-stamped locations of the vehicles are received. Time-stamped location data including a first plurality of the time-stamped locations is provided to a mobile location data aggregator. A first set of anonymized identifiers associated with mobile device users known to be within exposure zones associated with the time-stamped locations is received from the mobile data aggregator. The first set of anonymized identifiers is provided to an audience data service provider, which returns other anonymized identifiers associated with the first set of anonymized identifiers. An augmented exposed audience is formed by adding the other anonymized identifiers to the first set of anonymized identifiers. Advertisements are caused to be provided to devices corresponding to at least a subset of the augmented exposed audience.

The present disclosure is directed to a novel system for using a distributed register to generate, manage, and store data for interest-pooled time deposit resource accounts. The invention leverages a pooled resource account approach, allowing for multiple disparate resource accounts to benefit from an enhanced interest return by pooling resource accounts. The system components of the invention contemplate the use of distributed register technology to provide a verified ledger of information related to one or more resource accounts, as well as store system data, user data, and metadata related to the movement and management of resources. By using a distributed register approach to store and verify data related to time-dependent resource account services, the invention provides an automated system and methods for enhancing the flow of sensitive verified information, reducing the need for manual review and increasing the speed at which various resource account services can be validated and executed.

The system and method of the present invention provides customers with real-time information in order to evaluate future consumer spending capacity. The present invention can help to identify situations beyond traditional credit metrics to determine change of circumstances for end-consumers. The system allows for selection of consumers based on data trends and learned industry risk and behavior indicators.

Systems, methods, and storage media for location information processing are disclosed. An example of a method comprises: obtaining transaction information from user terminals of a plurality of users using a service provided by a service provider, the transaction information comprising a plurality of pieces of location information of the user terminals; clustering, using an algorithm, the plurality of pieces of location information into a plurality of areas; determining a transaction attribute corresponding to each area in the plurality of areas, the transaction attribute comprising a number of users in a corresponding area and a number of transactions of users using the service in the corresponding area; determining, according to information entropy values of the transaction attributes, a dispersity of the service provided by the service provider according to a number of areas in the plurality of areas and a plurality of transaction attributes corresponding to the plurality of areas.