A wireless device is enabled to provide offers. The wireless device receives card data for a financial account card and stores the card data in a memory associated with the wireless device. Responsive to using the card data in a transaction at a first merchant location, the wireless device receives transaction line-item data from a computing system associated with the first merchant location. The wireless device determines merchant information for a second merchant location and determines an offer associated with the second merchant location based on the line-item data and the merchant information for the second merchant. The wireless device presents the offer when the wireless device is near the second merchant location.

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Aspects of the present disclosure involve systems, methods, devices, and the like for tokenizing offers. The current disclosure presents a system and method that can present a tokenized offer for saving and retrieving from a digital wallet. The tokenized offer may be presented on a client site for selection by a user interested in taking advantage of the promotion without having to leave the current site. The current disclosure also presents a system that can retrieve the tokenized offer saved for use with a purchase. The tokenized offer may be automatically applied and on display at the merchant site and/or retrieved from the digital wallet.

A dynamic banner may be displayed in a merchant check out page sourced from a merchant server that may be customized to a particular user and/or merchant. The dynamic banner may be provided by a transaction account provider server and may invite the user to select an offer. In response to the user's interaction with the offer, the characteristics of the merchant check out page may be changed, for example, a product may be discounted, and/or a new transaction account may be issued to the user by the transaction account provider server and used to complete the checkout process via cross document messaging and cross domain scripting. In this manner, the merchant server and the transaction account provider server may interact with a user within a single web page.

Methods and apparatus are disclosed regarding an e-commerce system that promotes sales of products based on product comparisons. Some embodiments may present a marketing message that justifies a price difference between presented products based on attribute differences between the presented products.

A service provider may receive item price information and/or point of sale (POS) transaction information from a plurality of merchant devices associated with a plurality of merchants. The service provider may categorize the plurality of merchants according to the types of items offered by the respective merchants, and may further categorize the merchants according to the locations at which they conduct business. The service provider may subsequently determine a price recommendation or other pricing information for a particular item offered by a particular merchant. A merchant device of the particular merchant may present the pricing information in a user interface that enables the merchant to view projected sales at various different price points. Further, the merchant may be able to specify one or more factors used for determining the recommend price, such as a desired business model, a desired clientele, a desired profit margin, or the like.

Systems, methods, apparatus, processes, computer program code and means for conducting transactions are described which allow a first party to a transaction to identify a second party to a transaction.

Systems, devices, and techniques are disclosed for user interest detection for content generation. A set of time series data including user interactions with computer accessible resources may be received. A set of expected event data may be received. Irregular event data may be received. A prediction of user interest in an event, including an identification of the event, a time of the event, and levels of user interest before, during and after the time of the event may be generated from the set of time series data, the set of expected event data, and the set of irregular event data. An item of content may be displayed to a user at a time based on the prediction of user interest in the event.

The present invention provides a processing system (10) including an acquisition unit (11) that acquires, from each of a plurality of terminal apparatuses, first identification information for identifying the terminal apparatus or a facility where the terminal apparatus is placed, and biological information of a customer input to the terminal apparatus, an authentication unit (12) that performs customer authentication, based on the biological information of the customer, a history registration unit (13) that, when customer authentication is successful, registers, in visit history information of the customer, a facility determined by the first identification information, and a provided information generation unit (14) that generates, based on the visit history information and attribute information of the facility, provided information to be provided to the customer.

A method and an apparatus for provisioning optimized content to customers are disclosed. The method includes determining at least one attribute associated with a customer active on a web interface associated with an enterprise. A plurality of baseline contents and a plurality of content elements are accessed from a database and at least one baseline content and at least one content element are selected based on the at least one attribute associated with the customer. A customized advertisement is generated using the at least one baseline content and the at least one content element.