The present disclosure provides a platform for soliciting, processing and managing commercial activity across a plurality of disparate commercial systems. The platform may be configured to engage consumers via electronic form of communication, such as, but not limited to, text, SMS, MMS, and email, by engaging the consumer in a bi-directional conversation between the consumer and a computerized agent associated with the platform. The computerized agent may act, in a way, as the consumers commercial agent, suggesting and fulfilling orders from a plurality of disparate commercial platforms on behalf of the consumer through the use of conversational dialog.

A method comprises receiving an ad event data including data about a plurality of ad events, and including a user ID and an ad ID for each ad event in the ad event data set, where the ad event data set has been anonymized applying a one-way encryption key for each user ID in the ad event data set, and a two-way encryption key for the ad ID in the ad event data set. The attribution processor receives a customer data set including data about a plurality of customers, including a user ID and a customer value for each customer, where the customer data set has been anonymized using the one-way encryption key for each user ID in the data, and a private encryption key for the customer value. Without decrypting the received ad event data set and the received customer data set, the processor then matches ad events for each conversion by comparing the user IDs in the encrypted ad event data set to the user IDs in the encrypted customer data set to create a set of contributing ad events, assigns a share of the customer value to each relevant ad event, sums homomorphically the encrypted customer values for contributing events, and determines a recommendation for serving advertisements.

Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.

Transformation of inputs including beacon inputs, Global Positioning System (GPS) inputs, captured panorama inputs, user-penned descriptive inputs, and payment-amount-specifying inputs, via components, into outputs including user device POS configuration setting outputs and/or payment-gateway-directed authorization request outputs. Further, transformation of inputs including POS scanner inputs, POS keyboard inputs, and/or POS printer-directed inputs, via components, into outputs including compliance check outputs, tagged omnibus record outputs, SKU-UPC mapping outputs, and/or convergence/correlation outputs. Additionally, transformation of inputs including older limited-capability POS software image inputs and/or newer limited-capability POS software image inputs, via components, into outputs including update directive outputs. Functionality set forth includes allowing user devices to directly communicate with payment gateways, capturing and making use of scanner-obtained data and printer-destined data in a way that does not require code alternation of already-installed POS software, and allowing software of limited-capability POS devices to be updated without sending large, full-overwrite software images.

The present disclosure provides an electronic device and a control method therefor. An electronic device of the present disclosure may comprise a memory including at least one command, and a processor which is connected to the memory so as to control the electronic device, wherein the processor executes at least one instruction, so as to classify a uniform resource locator (URL) corresponding to at least one website accessed by a user during a preconfigured period into at least one segment, classify URLs according to a plurality of categories, on the basis of the at least one segment and a learned classification model, and determine, among the plurality of categories, a category of a website preferred by the user, on the basis of the user's website access history during the preconfigured period, an access history with respect to the at least one website, and a result of the classification. The electronic device of the present disclosure may use a rule-based model or an artificial intelligence model learned according to at least one of a machine learning, a neural network, or a deep learning algorithm.

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 virtual repository system with robust item management automatically derives item data from accessed current and past transactions. The system interfaces with merchant systems to receive current and archived transaction data, scans emails for current and past transaction data, monitors browser data for online transaction data, and accepts manual input. Data obtained from all sources is collated and stored in a cache for user validation, whereupon it is added to a virtual repository. Triggers prompt the delivery of responsive results including information from shared virtual repositories.

The present disclosure provides systems and methods for content quasi-personalization or anonymized content retrieval via aggregated browsing history of a large plurality of devices, such as millions or billions of devices. A sparse matrix may be constructed from the aggregated browsing history, and dimensionally reduced, reducing entropy and providing anonymity for individual devices. Relevant content may be selected via quasi-personalized clusters representing similar browsing histories, without exposing individual device details to content providers.

A computer-implemented method includes: generating a plurality of candidate groups based on transaction data associated with each user of a plurality of users, each candidate group of the plurality of candidate groups including a subset of users that conducted transactions with a common merchant within a threshold time; generating a plurality of actual groups based on the plurality of candidate groups and the transaction data associated with each user of the plurality of users, each actual group of the plurality of actual groups including a subset of users grouped together in at least a threshold plurality of candidate groups; and for an actual group of the plurality of actual groups, determining a classification associated with a merchant for the actual group based on transaction data for transactions conducted between the merchant and each user of the actual group.

One or more embodiments herein can facilitate a process to guide a user at a digital medium. An exemplary system can comprise a memory that stores computer executable components, and a processor that executes the computer executable components stored in the memory, wherein the computer executable components can comprise an obtaining component that obtains user behavior data from a digital medium, the user behavior data defining an interaction of the user with the digital medium, a prediction component that, based on the user behavior data, predicts a path of the user within the digital medium, and a classification component that, based on the user behavior data and on the path prediction, classifies a position of the user along a defined path to a conversion objective of the digital medium. The conversion objective can comprise obtaining the user as a customer, achieving a financial transaction, or presentation of a communication.