In general, embodiments of the present invention provide systems, methods and computer readable media for a predictive recommendation system using predictive models derived from tiered feature data.

An automated, dynamic digital financial management tool is described herein. The financial management tool enables a user to access all forms of payments, debt and transactions to be deducted automatically depending on which form of payment is chosen. The financial management tool documents every item/service purchased. The documentation enables a company/manufacturer/store to provide marketing and recall information to the user. The financial management tool is able to include any and/or all financial aspects of a user's life. The financial management tool is able to be implemented using a universal card. The financial management tool is able to include a pay station to receive payments. The financial management tool is able to include automated services. An automated, dynamic health management system is also described herein.

In one aspect, an example method includes (i) obtaining a set of user attributes for a user of a content-presentation device; (ii) based on the set of user attributes, obtaining structured data and determining a textual description of the structured data; (iii) transforming, using a text-to-speech engine, the textual description of the structured data into synthesized speech; and (iv) generating, using the synthesized speech and for display by the content-presentation device, a synthetic video of a targeted advertisement comprising the synthesized speech.

A system and method directs promotional information, such as coupons of possible interest to a user, when they release their cloud-stored print job from a multifunction peripheral at their selected location. The user is identified, along with their location, and promotional information of possible relevance to the user is displayed on the multifunction peripheral touchscreen. Information selected by the user will be printed out along with their released print job. Businesses register and store their promotional information with the cloud print server, and may be assessed a fee when their literature is printed.

To make it possible to effectively present information of a questionnaire, an advertisement, and so forth to a user terminal. Presentation information to be presented to a user is changed on the basis of attribute information and purchase information of the user. For example, this change includes a change of contents and/or a presentation timing of the presentation information. It becomes possible to present information having appropriate contents to a user terminal at an appropriate timing according to a situation of the user, and thus, information of a questionnaire, an advertisement, and so forth can effectively be presented to the user terminal.

Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for automatically determining parameter values that control or affect provision of content by a content platform. In one aspect, evaluation points are identified for a parameter. Each evaluation point includes an evaluated parameter value of the parameter and a metric value of a metric corresponding to the provision of digital components by the content platform. A first model is generated using the set of evaluation points. A second model is generated based on the first model and an acquisition function that is based on mean values and confidence intervals of the first model and a configurable exploration weight that controls a priority of exploration for evaluating the parameter. A next parameter value to evaluate is determined from the second model and the content platform is configured to use the next parameter value to provide digital components.

Exemplary embodiments include a reinforcement learning model configured at a given point in time to receive digital data about a state of a user at the given point in time, receive digital data about an environment at the given point in time, receive digital data about a campaign at the given point in time, optimize total expected future number of positive rewards at the given point in time, and to execute an action at the given point in time. The state of the user at the given point in time may be a number of communications the user has received in a particular time period, a time since a last communication, the user's past behavior, and/or the user's engagement score from a predictive model to engage with a communication.

Communication is enabled based on codes such as quick response codes. A code can be linked to an online storage location. A code can be purchased and read to reveal the storage location. Subsequently, digital content, including images, audio, video, or multimedia, can be uploaded to the storage location. Third parties can also be invited to join in providing further content. The code can then be provided to a recipient either physically or digitally. The recipient can read the code and access the storage location to retrieve the digital content.

A non-transitory computer-readable recording medium has stored therein a distribution program that causes a computer to execute a process, the process including, extracting a person and a product from a video of an inside of a store, tracking the extracted person, identifying a behavior that is performed by the tracked person with respect to a product in the store, identifying a first behavior type that is led by the behavior that is performed by the tracked person with respect to the product among a plurality of behavior types that define transition of a process of the behavior since entrance into the store until purchase of a product in the store, and distributing information on a product indicating the first behavior type to the tracked person when the identified first behavior type is at a predetermined level or higher and the tracked person has not yet purchased the product.

A method and apparatus of processing pre-stored recipient information and configuring a targeted message to be sent to the recipient(s) is disclosed. One example method of operation includes retrieving a list of recipients and corresponding recipient profile information from a database, and comparing the recipient profile information to at least one target lifestyle segment or persona (e.g., demographics, healthcare spending, consumer spending, and media preferences). The method may also include identifying that the list of intended recipients' profile information matches the target persona, and selecting and transferring a pre-recorded, persona-tailored automated voice call script to the list of recipients according to a minimum response threshold value of the target persona.