Ncr Corporation

Suzan Szollar

Yehoshua Zvi Licht

Deborah Galdes

Vijay Yellapragada

Wing Yip

Marshall Yuan

Soon Clarissa

Karishma Anand

Nagaprakash Sekharaiah Hiremath

Christopher Hoffmann

Murali Mohan Atmakuri

Puneet Kumar

Tracking real-word and virtual actions taken by a user. A personalized set of actions are derived from the tracked actions (of the user or multiple other users similar to the user) for inducing the user to take loyalty program-based actions for a loyalty system within the personalized set of actions. An account associated with the user is credited with a reward based on the user performing one or a preconfigured number of the loyalty-based actions within the personalized set of actions.

Action inducement processing

System and methods for extracting behaviors and suggesting behaviors to achieve a desired credit score may include receiving, via a network, account data including information regarding currency outlays made by a first sample population; generating, by a computing device, a plurality of behavior patterns based on currency outlay patterns extracted from the account data; receiving, by the computing device, credit score data for the first sample population; formulating, by the computing device, a model for predicting a credit score change; and storing the model on a data storage device. The model may include variables corresponding to each of the plurality of behavior patterns and a likely credit score affect.

Extracting behaviors and suggesting behaviors to achieve a desired credit score

A virtual wallet of a consumer is established for receiving and transferring units of rewards over a plurality of disparate communication channels and a plurality of disparate entities. Units of rewards are processed to credit the virtual wallet from an issuing entity to the consumer and the units of rewards are processed to debit the virtual wallet of the consumer and credit a redeeming entity. Moreover, the units of rewards represent blockchaining reward value.

Channel and entity independent reward processing

A mobile application is configured for providing contextual information to a consumer operating a mobile device and/or reporting contextual information to an enterprise service about the mobile device. The contextual information is provided or reported when the mobile device is detected within a geofence area; the geofence area surrounds a retailer of interest to the consumer.

Geographical contextual information

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Menlo Park, CA, United States of America

Suzan Szollar