The present disclosure described herein relates to a system and method for distributing messages to an electronic device. The method comprises: analyzing data relating to the device to determine a correlation of data relating to a user of the device; selecting an advertisement from a set of advertisements based on the correlation of data; and transmitting the advertisement to the device. The correlation of data may be determined from analyzing movement data and at least one status indicator relating to the device.

Computer systems configured to correlate instances of empirical data, gathered from ambient observation of a person, as being potentially relevant to each other vis-à-vis one particular behavior. A pair of correlated instances of empirical data is analyzed to identify it as an instance of the one particular behavior. Such computer systems facilitate transmission of a digital message, the content of which may be determined in response to the instance of the one particular behavior.

Techniques are disclosed utilizing cognitive computing to improve commercial communications from vendors to users. A user's financial account(s) and location may be monitored to determine when a user is within a threshold distance of a vendor. If the user is within the threshold distance the methods and systems disclosed may determine which targeted commercial communications to transmit to the user based upon a shopping profile for the user. The shopping profile may include a dataset indicative of the shopping habits of the user.

A device, system, and method implemented in a computer system for delivering targeted advertisements to a customer device on a network. A request is received from the customer device to download a media content file. Targeted advertisement opportunities are detected in the media content file. Profile data is received for the customer device, and targeted advertisements are received that relate to the profile data for the customer device. The media content file and the targeted advertisements are sent in response to the request from the customer device to download the media content file.

In general, embodiments of the present invention provide systems, methods and computer readable media for ranking promotions selected for recommendation to consumers based on predictions of promotion performance and consumer behavior. In embodiments, a set of promotions to be recommended to a consumer can be sorted and/or ranked according to respective relevance scores representing a probability that the consumer's behavior in response to the promotion will match a ranking target. In embodiments, calculating scores is based on a relevance model (a predictive function) derived from one or more contextual data sources representing attributes of promotions and consumer behavior. In embodiments, an absolute relevance score represents an absolute prediction of a ranking target variable. In embodiments, absolute relevance may be used to determine personalized local merchant discovery frontiers; featured result set thresholding for impressions; and/or promotion notification triggers. In embodiments, predictive models based on gross revenue may be optimized using promotion category-dependent price boosting.

A method for seamlessly and automatically granting tailored permission for use and transference of internet data between databases with comprehensive consent is described. The method employs a graph language such as JSON-LD to integrate and employ cryptographically signed Information Sharing Agreements (ISA) between parties. Data is serialized to be easily transferred between databases when appropriate permission is obtained. Granular data exchange under usage control contacts can be automated among any number of parties on the internet. As such, the method provides a means by which users may control not only what may be done with their data, but to what entity or entities the data may be transferred. Advertisements may then be served to the user according to his or her preferences as defined within a web or desktop app, which is then applied to all related ad publishers publishing to the domains visited by the user.

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.

Data characterizing wireless emissions of a mobile device of a fuel dispenser user can be received. An identity-less parameter associated with the mobile device of the fuel dispenser user can be determined from the received data. A determination of whether the identity-less parameter is associated with a database record characterizing a profile and stored in a profile database can be made. The determination of whether the identity-less parameter is associated with the database record can be provided.

A system and method for providing online customized advertisements, and more specifically, A system and method for providing content-aware ad insertion into streaming data using a web server. The web server has a memory having instructions stored thereon, and a processor configured to execute the instructions on the memory to cause the web server to perform operations. The web server transmit streaming data from the content creator computer to the web server, parse the streaming data to identify keywords within the streaming data, when the identified keywords are known in a database of keywords associated with available advertisements, select the available advertisements corresponding to the identified keywords, when the identified keywords are unknown in a database of keywords associated with available advertisements, select generic advertisements, insert the selected advertisements into the streaming data, and rebroadcast the modified streaming data to the content consumer computers.

Systems, methods, and devices for payment product verification and authorization using a customer identifier are disclosed. In some aspects, techniques described herein relate to receiving, by a payment product provider and from a payment processor, a customer identifier; querying a datastore of customers of the payment product provider with a parameterized query, where the customer identifier is a parameter of the query; determining, based on the query, that the customer identifier is associated with customer profile data of the payment product provider; determining payment product data associated with the customer profile data; returning, by the payment product provider and to the payment processor, a positive eligibility indication based on the customer profile data and the payment product data; receiving, by the payment product provider and from the payment processor, a customer approval indication; and sending, by the payment product provider and to the payment processor, the payment product data.