Merchants create ecommerce-enabled ad units advertising items offered by the merchants. The ad units contain functionality enabling customers to purchase the items by interacting with the ad units. The ad units have associated bid prices that the merchants agree to pay for sales through the ad units. The merchants provide the ad units to a broker. The broker publishes the ad units on web pages provided by publishers as comparison shop ad units that contain multiple ad units and functionality for navigating among them. A customer receiving a web page interacts with an ad unit to purchase the item. During the interactions, the broker dynamically updates the ad unit to conduct the transaction.

Methods and systems for matching a consumer to benefits offered by enabling organizations provide flexibility and utility to consumers in the marketplace for various products. Information about benefits and enabling organizations are provided and stored in a memory of a computer system. A search query including consumer interest data of a consumer, or results of such a search query, are received. The enabling organization information, benefit information, and search query or information related to the search query results are analyzed automatically in the computer system to determine whether any enabling organization to which the consumer is affiliated is offering a benefit for the consumer that is applicable to the consumer interest data. Also determined is a payment card recommendation based on the consumer's payment card usage history.

For each of various sites, a mathematical representation is computed according to prescribed characteristics of users that have conducted one or more predetermined types of interaction with the site. Cluster of the sites are identified whose computed representations are similar according to prescribed criteria. Responsive to notification of an opportunity to deliver unidentified advertising to a given user via a given site, at least one ad is selected based upon factors including the ad having a prescribed performance history at one or more clusters containing the given site. The selected ad is transmitted to the given user at the given site, or a bid is transmitted for such placement of the ad.

An e-commerce method involves on-line viewing of a first article through a linking node for virtual merging on another structure. A particular application of the invention is directed to on-line apparel shopping involving a color matching scheme using color codes provided with images to be merged. For example, on-line viewing of one article, such as clothing, on another structure, includes creating an item from image-data corresponding to a colored article selected by an on-line viewer from an on-line viewer site with an image of a colored structure selected by the on-line viewer, and indicating whether the colored article and the colored structure satisfy a color-matching criterion.

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 personalized offer and information system that may be integrated with retailers' websites so as to provide users of the websites with personalized offers and contextual information, such as product recommendations. Retailers may define offers and conditions to be met for the offers to become available to users. The personalized offer and information system may detect interactions of a user with a retailer website and use such interactions to update a user profile. The user profile and the conditions of the offers may be used to generate personalized offers and information for the user. The personalized offer and information system may provide a widget that visually indicates to users that personalized offers are available and a panel in which the personalized offers are displayed. Users may select the widget to have the panel become visible. The widget may persist the personalized offers and information for the user across user sessions.

Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct payment transactions at merchant locations including brick and mortar locations and remote locations as well as for person to person transactions.

A solution is provided for a method for a user to shop online in a three dimensional (3D) virtual reality (VR) setting by receiving a request at a shopping server to view a shopping location, having at least one store, and displaying the shopping location to the user's computer in a 3D interactive simulation view via a web browser to emulate a real-life shopping experience for the user. The server then obtains a request to enter into one of the stores and displays the store website to the user in the same web browser. The store website has one or more enhanced VR features. The server then receives a request to view at least one product and the product is presented in a 3D interactive simulation view to emulate a real-life viewing of the product.

The ELECTRONIC COUPON ISSUANCE AND REDEMPTION APPARATUSES, METHODS AND SYSTEMS (ECIR) transforms user coupon purchase and redemption request inputs via ECIR components into coupon issuance, transaction, and analytics outputs. In some embodiments, the ECIR may receive an inventory request from a coupon program manager, including at least a virtual coupon issue criteria. The ECIR may generate one or more account identifiers, and transmit the account identifiers to the coupon program manager. The ECIR may receive, from the coupon program manager, an issue request along with the purchase information, which may include one or more purchase identifiers corresponding to one or more buyers. The ECIR may determine when the received purchase information satisfies the virtual coupon issue criteria. when it satisfies the criteria, the ECIR may issue one or more virtual coupons having the one or more account identifiers, and transmit the issued virtual cards to the coupon program manager.

Methods and systems for automatically providing dynamic content for facilitating a transaction are described herein. An online marketplace is accessed by a client device over a network. A user identifier associated with the client device is passed to a payment service provider via a merchant system associated with the online market place. Dynamic content is generated by the payment service provider in response to the user identifier and subsequently served to the client device over the network.