In certain aspects, the disclosed implementations include methods and systems for dynamically generating and determining transaction affinity relationship information associated with a set of merchants involved in a set of transactions. In certain implementations, the transaction affinity relationship information may reflect affinity relationships between merchant chains in a merchant affinity network. The disclosed implementations may receive an adjustment to an affinity relationship associated with a merchant chain, and based on the adjustment, predicts one or more changes to affinity relationships associated with other merchant chains in the merchant affinity network.

Examples are described that enable a sales notification application executing on the mobile device to provide an indication of a better price for a product. In the examples, product information may be obtained from product purchase receipts uploaded by mobile devices executing an instance of a sales notification application. Similarities may be determined between the product information received from each product purchase of the plurality of product purchases. The product information from each of the uploaded receipts may be aggregated based on the determined similarity between the product information. A selected product and a location at which the selected product has been purchased previously may be received for comparison to the aggregated information in a product purchase database. A comparison result may be output to the sales notification application. A payment card may be enabled to purchase the selected product.

A method for providing purchase proposals and personalized and/or automated payment services to a subject includes electronic accessing a personalized payment services provisioning system and retrieval of at least a first type of electronic data of said subject including payment data and/or deadlines and a data group identifying one or more characteristics of the subject. At least part of the first type of electronic data is stored. Electronic processing is performed, including electronic profiling of the subject. A group of personalized service proposals is generated for the subject and/or of proposals of personalized electronic payment requests, and at least one of the following proposal actions is generated: an electronic proposition of said services personalized for the subject, for the purchase of at least a product and/or service, a proposition of said personalized electronic payment request of a predetermined amount associated to the purchase of a product and/or service.

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.

This application relates to apparatus and methods for automatically determining and providing personalized user personas of a customer for specific platforms (e.g., applications). In some examples, a computing device receives a persona request identifying a user and a platform. In response, the computing device obtains user data associated with the user and a plurality of potential user personas from a database. For each of the plurality of potential user personas, the computing device then determines a combination score for the user based on the user data. The combination score indicates user's affinity to a corresponding potential user persona within the platform. The computing device selects at least one potential user persona of the plurality of potential user personas as a final user persona for the user and the platform based on the corresponding combination score.

A method for interpreting messages, user-defined alert conditions, voice commands and performing an action in response is described. A method for annotating media content is described. A method for presenting additional content associated with media content identified based on a fingerprint is described. A method for identifying that an advertisement portion of media content is being played based on a fingerprint derived from the media content is described. A method of one media device recording particular media content automatically in response to another media device recording the particular media content is described. A method of concurrently playing media content on multiple devices is described. A method of publishing information associated with recording of media content is described. A method of deriving fingerprints by media devices that meet an idleness criteria is described. A method of loading, modifying, and displaying a high definition frame from a frame buffer is described. A method of recording or playing media content identified based on fingerprints is described.

Methods, systems, and apparatus, including computer programs stored on a computer-readable storage medium, for peer-to-peer location-based messaging. In some implementations, a mobile device selectively displays displayable messages associated with beacons corresponding to specific locations that the mobile device visits. The mobile device can extract identifiers from wireless messages from beacons and determine whether to display a message corresponding to a beacon based on filter parameters of a user and data indicating characteristics of a property where a beacon is located. The displayable messages corresponding to beacons can be messages users who associated with the beacons have previously designated for presentation upon detection of the beacons. The mobile device can display the displayable message for a beacon while the mobile device is a detection range to receive the wireless message from the beacon.

The systems and methods described herein may be used to recommend an item to a consumer. The methods may comprise determining, based on a collaborative filtering algorithm, a consumer relevance value associated with an item, and transmitting, based on the consumer relevance value, information associated with the item to a consumer. A collaborative filtering algorithm may receive as an input at least one of: a transaction history associated with the consumer, a demographic of the consumer, a consumer profile, a type of transaction account, a transaction account associated with the consumer, a period of time that the consumer has held a transaction account, a size of wallet, a share of wallet, and/or the like.

A method is described of facilitating targeted content delivery in a network comprising a service provider network (SPN) and a user profile data database external to the SPN. The method comprises: receiving, from a demand side platform, segment definition data comprising a list of user attributes and corresponding user attribute values associated with a targeted content delivery process; and communicating, to a server, the segment definition data, wherein the server has access to the database, to identify one or more candidate users to be targeted based on matching the user attribute values with user attribute values in the database. The method also comprises receiving, from the server, a list of identifiers, wherein each identifier is usable to identify one or more candidate users to be targeted; and communicating the list of identifiers to an entity in the SPN which is responsible for facilitating the delivery of targeted content.

A computer-implemented system including a data store: a content items database, a user account database, and one or more servers configured to execute a computer program to perform one or more of the following: receiving content items from content database that are associated with a topic selected by a user for posting on a social network, wherein at least one content item is associated with an URL; estimating a post to a reaction filter for a time interval for the social network for the user, calculating a reaction profile associated with reactions to posts on the social network by aggregating reaction time of a plurality of users on the social network for one or more content items posted on the social network; determining a schedule for posting the content items on the social network as a function of the post to reaction filter and reaction profile.