G06Q30/0253

Methods and computer-readable media for enabling secure online transactions with simplified user experience

A method, which comprises determining a logical identifier used for communication over a network portion managed by a service provider and transmitting to a computing apparatus adapted to effect online transactions involving a payer and a payee an indication of the service provider having agreed to act as the payer for at least one online transaction requested by a requesting device that uses the logical identifier. Also, a method, which comprises determining a logical identifier used to identify a device during a request for an online transaction; identifying, based on the logical identifier, a third party that has agreed to act as a payer for the online transaction; providing a user of the device with an opportunity to confirm the third party as the payer for the online transaction; and completing the online transaction based on input from the user.

AUTOMATIC SYNCHRONIZATION OF A DEVICE FOR TRANSACTION PROCESSING BASED ON GEO-FENCED LOCATIONS
20240046243 · 2024-02-08 ·

There are provided systems and methods for automatic synchronization of a device for transaction processing based on geo-fenced locations. A merchant may geo-fence an area corresponding to the merchant's location where a user may visit to purchase an item. The merchant may provide multiple transaction processing and payment options at the merchant location, including payment applications with a mobile communication device. A payment provider may detect the location of the user and determine that the user's location matches the merchant's location through the geo-fenced area for the merchant. The payment provider may then configure a payment process for the user to utilize at the merchant location using payment mechanisms accepted at the merchant location. Where multiple merchants are located nearby, the payment provider may utilize additional known information for the user to select the most likely merchant for the user.

ACTIVE NOTIFICATION USING TRANSPORTATION SERVICE PREDICTION

Systems and methods of generating active notifications for users of a networked computer system using transportation service prediction are disclosed herein. In some example embodiments, a computer system uses a prediction model to generate a transportation service prediction for a user based on an identification of the user, location data for the user, prediction time data, and historical user data for instances of the user using the transportation, and then causes a notification to be displayed on a computing device of the user based on the transportation service prediction, with the notification indicating a recommended use of the transportation service in association with the place for the time of day and the day of the week, and the notification comprising a selectable user interface element configured to enable the user to submit an electronic request for the recommended use of the transportation service.

WALLET STEERING: SYSTEM, ENGINE, METHOD, AND PROFESSIONAL SERVICES TO PROGRAMMATICALLY, PRECISELY, AND PROFITABLY STEER CONSUMER PURCHASES FROM ONE BUSINESS TO ANOTHER, ONE PRODUCT/SERVICE TO ANOTHER, AND/OR ONE PAYMENT TENDER TO ANOTHER
20240046296 · 2024-02-08 ·

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.

Server-side content management
11893604 · 2024-02-06 · ·

Supplemental content can be determined through a server-side process, wherein a primary content provider can obtain the supplemental content from a supplemental content provider before any of the content is sent to the client device initially requesting the primary content. A primary content provider submits a request that can include an authorization token for the primary content provider, a publisher token including a proxy identifier for the user, application, or client device, and other relevant information. The supplemental content provider can verify the information and select targeted content based on the information. The supplemental content can then be provided to the primary content provider for incorporation with the primary content. The primary content provider can adjust the layout or selection before sending to the client device for display.

Enhanced clean-room based machine learning
11893134 · 2024-02-06 · ·

Devices, systems, and methods are provided for encapsulating machine learning in a clean room to generate a goal-based output. A method may include identifying, by a device operating within a clean room, an agreement between multiple parties to share data for use in machine learning to generate a goal-based output; retrieving the data; selecting the machine learning model based on a goal indicated by the agreement; generating, using the data as inputs to the selected machine learning model, a first set of probabilities indicative that a respective user may perform an action; generating, using the selected machine learning model and the first set of probabilities, a second set of probabilities indicative that a respective user may perform the action; generating the goal-based output based on the second set of probabilities; and sending the goal-based output from the clean room to a destination location.

CROSS-DOMAIN COMMUNICATIONS BETWEEN BROWSER WINDOWS
20190378203 · 2019-12-12 ·

A computer process enables a target window associated with a first domain to receive a message from a child window associated with a second domain. The message is passed using an iframe that is created within the target window. The process may, for example, be used to relay information entered by a user into the child window to the target window.

Advertising inventory management system and method

A method of managing advertisement inventory in an internet advertising system is provided. The method comprises forecasting advertisement capacity using a plurality of predefined advertisement targeting parameters arranged in a tree structure to define a plurality of buckets, wherein each bucket is associated with a combination of the predefined advertisement targeting parameters. The method further comprises matching sold advertisement data with at least one of the plurality of predefined advertisement targeting parameters in the tree structure. The method further comprises determining available advertisement inventory by the inventory management system for the at least one predefined parameter by reducing the forecasted advertisement capacity by the matched sold advertisement data. The method further comprises delivering advertisements by an ad server to display devices associated with internet users who match the combination of predefined advertising targeting parameters of at least one bucket.

Image capture and identification system and process
10500097 · 2019-12-10 · ·

A digital image of the object is captured and the object is recognized from plurality of objects in a database as part of a computer-based game. An information address corresponding to the object is then used to access content information associated with the identified object and interact with the game based on the content information.

Method and system for providing a digital gift card

A method of providing a digital gift card to a beneficiary, the method including, in one or more electronic processing devices: receiving, from a digital wallet of an individual, a request to create a digital gift card including information indicative of at least one of: an occasion associated with the digital gift card and beneficiary information associated with the beneficiary; determining, based on at least one of the occasion and the beneficiary information, a plurality of gift card offers offered by respective merchants; presenting, from the digital wallet, the plurality of gift card offers; receiving, from the digital wallet, an indication of a selected gift card offer; processing a payment from the digital wallet to the merchant offering the selected gift card offer; and sending a digital gift card notification for the selected gift card offer to the beneficiary, to thereby allow the beneficiary to obtain and redeem it.