Systems and methods of the present disclosure include at least one processor that receives electronic messages, each associated with a respective originating entity. Message metadata of each electronic message is extracted and list subscriptions are determined based on the message metadata. User interaction commands relative to each electronic message are tracked. Record similarity values for user activity records are determined based on a measure of similarity between the originating entity and each activity record. An engagement model is utilized to determine an engagement score indicative of a degree of user engagement with each originating entity based on the user activities and the user interaction metrics to generate a prediction indicative of the degree of user engagement. An unsubscribe condition is determined based on the engagement score being below a threshold score, and an unsubscribe command is automatically issued.

Aspects of the present disclosure relate to systems and methods for a wireless communication tag. The tag is configured to uniquely identify an account associated with the user for granting the user access to a first access-controlled service controlled by a first authority and a second access-controlled service controlled by a second authority. The tag is implemented through an omnidirectional antenna removably coupled to a mobile device associated with the user. An amount of payment owed by the user in accessing the first access-controlled service from a plurality of access-controlled services including the first access-controlled service and the second access-controlled service across a plurality of authorities is determined and transfer of the amount of payment to the first authority selected from the plurality of authorities in response to the user accessing the first access-controlled service is facilitated.

Briefly, in accordance with one or more embodiments, for example, a method and/or system is provided to at least authenticate a mobile subscriber that has been registered via a registration process comprising. A current international mobile subscriber identifier (IMSI) associated with a mobile telephone number received electronically via a network is queried. A database entry created via the registration process including an IMSI associated with a received mobile telephone number at the time of mobile subscriber registration is also queried. At least the current IMSI and the IMSI of the database entry are compared. Account status of the mobile subscriber based at least in part on a match between the current IMSI and the IMSI of the database entry is verified. Verifying the account status includes determining creditworthiness with respect to the account of the mobile subscriber.

Aspects of the present disclosure relate to systems and methods for a wireless communication tag. The tag is configured to uniquely identify an account associated with the user for granting the user access to a first access-controlled service controlled by a first authority and a second access-controlled service controlled by a second authority. The tag is implemented through an omnidirectional antenna removably coupled to a mobile device associated with the user. An amount of payment owed by the user in accessing the first access-controlled service from a plurality of access-controlled services including the first access-controlled service and the second access-controlled service across a plurality of authorities is determined and transfer of the amount of payment to the first authority selected from the plurality of authorities in response to the user accessing the first access-controlled service is facilitated.

An internet of things aggregator system includes a management system. The management system being configured to connect to and exchange data with at least one wireless network, at least one Internet of things device, a functional system, and a third party enterprise. The management system is configured to implement a certification system, a connectivity system, a coding system, a billing system, and a unified policy control system. The disclosure is also directed to an internet of things aggregator process.

A method of real-time communication, including providing a first electronic communications device in signal communication with a network, wherein the first electronic communications device includes a processing unit, and providing a second electronic communications device in signal communication with the network. Initiating a communications session between the first and second electronic communications devices, tracking a duration of the communications session, and ending the communications session between the first and second communications devices. Generating billing data as a function of the duration of the communication session and automatically transmitting the billing data to a billing agency.

The invention relates to the field of making online payments by integrating social networks and payment networks to a seamless network. In particular, the invention leverages the information in the social network to conduct financial transactions. The best mode of the invention is considered to be a social payment network app that incorporates all or most of the functions of credit cards, internet banking and money order companies by using the data and functions already available in the social network. The invention provides better counterparty recognition, reduces the chance of fraud, or fraud, and provides a cheaper payment platform to consumers (110, 410) or small businesses while also reducing the administrative burden in making and paying purchases or reporting payments and/or expenses to third parties, such as the employer or tax administration.

Systems and methods are disclosed to facilitate payment of a restaurant bill via text message. For example, a text message having a restaurant bill code may be sent from a customer device to an MPS phone number. A restaurant network address may be extracted for a restaurant computing system. A query may be sent to the restaurant computing system using the restaurant network address with the restaurant bill code. In response, the restaurant computing system may send restaurant bill data that includes least one restaurant menu item, a price for the at least one restaurant menu item, and a total bill amount. A unique URL may be created that when entered into a web browser presents a webpage that includes at least the restaurant bill data. The unique URL may be used by the customer to pay the restaurant bill.

It is recognized herein that current approaches to traffic steering in M2M systems lack capabilities, particularly with respect to traversing value added services in an operator's network. As described herein, nodes or apparatuses at a machine-to-machine (M2M) service layer can leverage value added services that are deployed in an operator's network. The M2M service layer may add metadata to downlink traffic so that the metadata can be used to assist with steering and processing data in the operator's value added services (VASs) network. By of example, the M2M service layer can use a control plane interface to push polices into a network operator's VASs network, and to allow functions in the VASs network to extract information from the M2M service layer.

A method includes determining that a token associated with a customer is present in a store; and sending, to a mobile device associated with the customer, a signal to prepare the mobile device to be able to receive a marketing offer.