A method includes receiving, at a server associated with a merchant, an identification token associated with a mobile device located in a service environment associated with the merchant, and receiving an address of a profile agent associated with and distinct from the mobile device. The identification token includes an opaque token generated by a source other than the mobile device. The method includes sending to the profile agent a request for a user profile associated with the mobile device, where the request includes the identification token, and receiving an opaque user profile responsive to the request. The method includes sending a personalized offer associated with the merchant to the profile agent based on the opaque user profile. The profile agent causes application of preferences and policies associated with the mobile device to the personalized offer to determine whether to forward the personalized offer to the mobile device.

A scalable recommendation engine includes stateless processors in communication with at least one memory server that stores contextual data. A router is configured to direct a recommendation request to a first stateless processor, which is configured to generate a recommendation using contextual data from the memory server. A controller monitors the available processing bandwidth of the stateless processors and deploys an additional stateless processor if the available processing bandwidth is less than a minimum available processing bandwidth threshold. The controller can remove from deployment a stateless processor if the available processing bandwidth is greater than a maximum pre-determined available processing bandwidth threshold.

Systems and methods are provided for providing alerts to a user. The systems and methods may include a financial service provider including a memory device storing instructions. The financial service provider may also include at least one processor configured to execute the instructions to perform a plurality of operations. The operations may include receiving data relating to an activity of a user. The operations may also include identifying a merchant based at least on the received data. The operations may also include accessing historical fraud or disputes data associated with at least one of the user and the merchant. The operations may also include determining whether the received data triggers an alert. The operations may further include sending an alert message to a user device associated with the user when the processor determines that the received data triggers the alert.

Techniques and arrangements for performing data analysis in order to generate connections between merchants. For instance, a payment service may determine, based at least in part on transaction information, that a first customer conducted a first transaction at a first merchant followed a subsequent transaction at a second merchant. The payment service may further determine that a second customer conducted a second transaction at the first merchant followed by a subsequent transaction at a third merchant, Based on transaction information associated with the first transaction and the second transaction, the payment service may create a buyer profile including the first customer and second customer. Upon the payment service receiving a request to process a third transaction between the first merchant and the second customer, the payment service can generate a recommendation that the second customer conduct a subsequent transaction to the third transaction at the second merchant rather than the third merchant. The payment service can then send a electronic communication that includes the recommendation to the first merchant or the second customer.

A network of collection, charging and distribution machines collect, charge and distribute portable electrical energy storage devices (e.g., batteries, supercapacitors or ultracapacitors). To charge, the machines employ electrical current from an external source, such as the electrical grid or an electrical service of an installation location. By default, each portable electrical energy storage device is disabled from accepting a charge unless it receives authentication information from an authorized collection, charging and distribution machine, other authorized charging device, or other authorized device that transmits the authentication credentials. Also, by default, each portable electrical energy storage device is disabled from releasing energy unless it receives authentication information from an external device to which it will provide power, such as a vehicle or other authorization device.

Transaction modification based on modeled profiles is described. In an example, transaction data can be received by a payment processing system. The payment processing system can generate, using a trained model, profiles. Based at least in part on (i) receiving an indication that a buyer and a merchant are engaged in, or likely to be engaged in, a transaction and (ii) determining that a characteristic of the transaction corresponds to a profile, generating a communication to enable the buyer or the merchant to modify the transaction in association with processing of the transaction.

Disclosed herein are a content provisioning platform (150) and a system (100) that utilizes such a content provisioning platform (150). The content provisioning platform (150) includes: a selection engine (153) for selecting, in response to a request from a webpage (300) associated with an electronic transaction, inventory based on at least one of: a contextual attribute associated with the electronic transaction, a customer attribute associated with a user performing the electronic transaction, and a set of predefined rules. The inventory is selected from available inventory derived from at least one inventory provider during the electronic transaction. The webpage (300) is encoded in accordance with a content provisioning application programming interface (API) (140) associated with the content provisioning platform (150), the webpage including a contextual content display region (350) for displaying the selected inventory. The content provisioning API (140) is adapted to deliver the selected content to the contextual content display region (350).

A method for providing purchase proposals and personalized and/or automated payment services to a subject includes electronic accessing a personalized payment services provisioning system and retrieval of at least a first type of electronic data of said subject including payment data and/or deadlines and a data group identifying one or more characteristics of the subject. At least part of the first type of electronic data is stored. Electronic processing is performed, including electronic profiling of the subject. A group of personalized service proposals is generated for the subject and/or of proposals of personalized electronic payment requests, and at least one of the following proposal actions is generated: an electronic proposition of said services personalized for the subject, for the purchase of at least a product and/or service, a proposition of said personalized electronic payment request of a predetermined amount associated to the purchase of a product and/or service.

Disclosed herein are a method and system that utilize a programmed content predictor to dynamically select electronic publishing content. In particular, the content predictor applies a selection model to select content for one or more selected webpages presented during an electronic transaction. The selection model utilizes a set of one or more machine learning models to select content based on calculated quality scores. The nature of the quality scores determined by the quality score model depend on the particular application. The predictor generates and populates a permutation quality table based on a set of selected content items and page variant, wherein the page variant defines locations of content positions within a webpage. The predictor then consumes the selection model to select a best permutation of content item-content position combinations to be returned for display on a webpage.

Systems and methods for wallet steering are disclosed. A wallet steering method in accordance with the present disclosure may comprise receiving a consumer identifier, such as a phone number, during a transaction. In response to receiving the consumer identifier, a consumer member profile is automatically created for the consumer identifier and data elements associated with the transaction and/or consumer are be stored in the consumer member profile. The consumer member profile may be built over time based on transactions associated with the consumer identifier. Customized offers which precisely and profitably steer consumer purchases from one business to another, one product/service to another and/or one payment tender to another may then be generated based on the consumer profile.