Systems and methods are provided for calculating a savings amount for loan refinancing. According to one implementation, a method includes displaying a graphic user interface comprising a widget at a client device and receiving input data from a user regarding a loan. In some embodiments, the input data may include the user's credit level and the current monthly payment, APR, and payoff amount associated with the user's current loan. The method further includes determining a saving amount based on a comparison of the input data with historical savings data accessible to the widget, and displaying the savings amount in the graphic user interface.

A method for identifying a simulated social media account history is provided. The method may include querying a social media account to obtain social media identification information. The querying may determine whether the account history includes one or more parameters that indicate whether the social media account is related to an automated entity or a human entity. The parameters may include at least one of less than a threshold number of friends on the account; more than a threshold frequency of historic ticket purchases per unit time; disparate location of historic ticket purchases per unit time and/or a historic record of less than a threshold reaction time to a plurality of ticket offers.

There is provided an apparatus and method for a webshop such that the products shown to a customer are related to the purchasing habits of the customer. In particular, a control unit is provided arranged to communicate with a product information database, a product category database and a customer purchase history database. The control unit includes a product categorising unit arranged to generate at least one product category based on product information in the product information database and to store the at least one generated product category in the product category database. The control unit further includes a calculating unit arranged to calculate a probability of a customer being an underbuyer/overbuyer of a type of product based on the customer's purchase history stored in the customer purchase history database and the at least one product category from the product category database.

A system of wireless advertising platform has a handheld wireless device that has an inbound wireless data function with a storage function to be able to receive and store, audio, text, image, and flash commercial messages from a message server. The device has a message exposure function that exposes these messages to a device user from the stored memory of the device into the incoming and outgoing communication, to and from the device user. The device has a message tracking function that tracks which messages have been exposed and periodically sends an account record to the message server. The message server has a message provider interface for planning and managing an advertising campaign using the wireless devices.

In general, embodiments of the present invention provide systems, methods and computer readable media for recommending contextually relevant promotions to consumers in order to facilitate their discovery of promotions that they are likely to purchase from a promotion and marketing service.

One disclosed system includes a processor, a network interface in communication with the processor, a data storage device in communication with the processor, and computer-executable instructions stored in computer storage. The instructions are configured, when executed by the processor, to cause computer hardware to perform operations comprising: (1) matching a consumer lead comprising information about a consumer with one or more vendors selected from a set of vendors identified in data records stored on the data storage device; (2) sending, via the network interface, the lead to the matched vendors; (3) receiving a real-time indication of a rejection from one of the matched vendors; (4) matching the lead with a replacement vendor; and (5) sending the lead to the replacement vendor.

Protected audience selection system. Media consumption histories of browsers which have converted are received at a modeling system where targeting of browsers is prohibited. A model is built by determining a frequency of each respective media consumption event among the histories and comparing each determined frequency of a respective media consumption event to a frequency of the respective media consumption event among a population of browsers without the conversion event. The model is sent to a targeting system which excludes conversion events. A description of the conversion event is received at the targeting system. A history of a targetable browser is received at the targeting system. The model is applied to the history of the targetable browser at the targeting system, where conversion events have been excluded from the history. Advertising content is sent to the targetable browser according to a result of applying the model.

Embodiments relate to de-obfuscated data to process at one or more artificial-intelligence (AI) decision nodes throughout a communication decision tree. Through processing directed by the communication decision tree, additional de-obfuscated data is collected and securely transmitted in de-obfuscated or re-obfuscated form to enrich underlying data structures.

Techniques and arrangements for generating, distributing and managing promotion campaigns are described. A promotion server may generate the promotion campaigns based on input from a merchant. The input may include a request to generate the promotion campaign, a merchant preference, or other information shared between the merchant and the promotion server. The promotion campaign may include promotions, such as coupons, discounts, or the like, to encourage transactions with a merchant. The promotions may be generated based on merchant specified criteria, a merchant transaction history, customer preferences, a customer transaction history, and/or other information processed by the promotion server. The promotions of the promotion campaign may be distributed via one or more channels, such as electronic mail, website publication, receipts, etc. Each promotion of the promotion campaign may be linked to a particular customer, thereby limiting the number of times a particular customer can take advantage of the promotion campaign.

A method and system for receiving digital artifacts from a management server. The method includes sending a request for a digital artifact from a mobile application to the management server for display within a specific mobile application generated screen, receiving the digital artifact from the management server, and displaying the digital artifact with the specific mobile application generated screen.