Embodiments of system are disclosed in which selection strategies for a direct marketing campaign that identify consumers from a credit bureau or other consumer database can be planned, tested, and/or refined on a stable subset of the credit database. In some embodiments, once refined, consumer selection criteria may be used to execute the direct marketing campaign on the full consumer/credit database, which is preferably updated approximately twice weekly. In one preferred embodiment, the data for the test database represents a random sampling of approximately 10% of the full database and the sampling is regenerated approximately weekly in order to provide a stable set of data on which campaign developers may test their campaign. For each consumer in the sampling, the environment may allow a client to access and use both attributes calculated by the credit bureau and proprietary attributes and data owned by the client. The system allows for a plurality of clients to use the system substantially simultaneously while protecting the privacy and integrity of the client's proprietary data and results.

An ad-marketplace system manages an exchange for advertisement opportunities from a plurality of content brokers. Each advertising opportunity can include one or more attributes that describe advertisement slots during a broadcast of a data stream. The ad-marketplace system can receive one or more bids for an advertising opportunity associated with a media stream, and can select a matching bid from an advertiser for the advertising opportunity. Each bid can specify one or more advertising requirements that are to be satisfied by the advertising opportunity. When the ad-marketplace system selects the matching bid, the ad-marketplace system establishes a contract between the media broker, and places an initial payment from the advertiser in escrow. The ad-marketplace system can provide a payment to the media broker after confirming that a set of consumers have consumed the advertisement.

This invention is about computer software and mobile-device-implemented methods, services and user interfaces for allowing a set of user or users to notify of special offers to other set of user or users. Utilizing this method and location based GPS technology, a set of user creates data which is stored in a middle layer such as a cloud system or database and then displayed on the other set of user's device. In this method, one set of user creates data and another set of user receives data. The data passes through the middle layer, identifies the devices in a defined latitude and longitude and displays the data on those devices. This data could be created from and received on various independent platforms using their API or tools specifically created for the data creation and receiving function.

Increasing a number of advertising impressions in a system configured to facilitate user interaction with an interactive environment containing one or more advertising targets is described. A scene of a portion of the simulated environment is displayed from a camera point of view (camera POV) on a video display. The scene may change as the camera POV changes in response to movement of the camera POV along a camera path during the user's interaction with the simulated environment. Modifying the camera path or a camera field of view can place more of an advertising target within the displayed scene to increase a likelihood of generating an advertising impression. The advertising target is characterized by a field of attraction of the camera POV that is customized to an angle of approach and speed of approach of the camera POV.

A social media advertisement system may coordinate the timing of social media posts. Such a system may cause several social media influencers to post in a coordinated fashion, such as all at a virtually the same time, or structured posts over a period of time. The influencers may be independent people who may each have a separate contract or other relationship with a social media advertisement system, and the system may recruit and manage the influencers, as well as identify the timing and schedule for an advertising campaign. Once the influencers may be organized, the system may trigger posts to be sent in a coordinated fashion.

A device, such as a cellular phone, includes an audio and visual display configured to identify content entered by a user of the device and to automatically initiate a select message file related to the content entered as a result of a user-initiated implementation of a predetermined feature of the device that is not related to the message file and to allow the user-initiated implementation of the predetermined feature to proceed only after the user closes the select message.

A method that comprises obtaining from end user equipment a location object caused to be stored on the end user equipment by a service provider; and validating an online transaction attempted using the end user equipment, based at least in part on the location object so obtained. The method may further comprise obtaining transaction object information provided via the end user equipment; and obtaining information to assist in validating online transactions attempted using the transaction object information. The validating of the online transaction may comprise comparing a location specified by the location object to the information to assist in validating online transactions attempted using the transaction object information and taking a validation action based on a result of the comparing.

A digital process of a computer (10) presenting an item and at or after a preset time, the item transforms or morphs into an advertisement. The item is preferably non-advertising. Alternatively a user selects the item and it transforms into an advertisement. Since the user chooses to select the item that transforms into the advertisement, the user's full and undivided attention is captured. The item can be characters, images, sounds, or non-advertising marketing information (FIG. 2). The item mitigates or prevents annoying advertisings displayed right away, and appeases users who dislike advertisements. The item that transforms is different in terms of function, content, or appearance from the advertisement (after the transformation). The transformation acts as one piece. The transformation can be presented in entertaining, fun, or surprising ways to more fully capture the user's attention. The purpose is to generate significant digital advertising revenue.

Fatigue control techniques are described as part of dissemination of digital marketing content. In one example, a model is trained on marketing data using machine learning. The marketing data describes user interactions with digital marketing content. An indication is also received of a subsequent user that is to receive the digital marketing content. User interaction data is obtained that describes prior digital marketing content interactions of the subsequent user. The user interact data, for instance, may have features that are similar to features of the marketing data used to train the model. A score is generated using the model from the user interaction data. the score is indicative of likely receptiveness of the user to receipt of the digital marketing content. Dissemination is controlled of the digital marketing content to the user based at least in part on the score.

One or more embodiments of the disclosure provide a promotional messaging system for efficiently providing promotional messages to customers via an electronic messaging system. For example, in one or more embodiments, the promotional messaging system identifies users of the electronic messaging system that have previously communicated with a merchant as part of a customized audience. Additionally, in some embodiments, the promotional messaging system analyzes activity patterns of the users to provide improved delivery of promotional messages in a non-intrusive, private, and timely manner. Overall, the promotional messaging system described herein improves communications via an electronic messaging system between users and a merchant.