A method and system are provided for validating a promotional token redeemed at a Point-of-Sale (PoS) terminal, can include receiving, at the Point of Sale (PoS) terminal located at a physical retail location, a promotional token ID from a mobile device associated with a customer. The promotional token ID can be configured to uniquely identify a promotional token to promote a consumer packaged good (CPG) distributed on a social media platform. A CPG is entered at the PoS terminal to determine a CPG ID configured to uniquely identify the CPG. Next, a validation request is generated. The validation request comprises the promotional token ID and the CPG ID. The validation request is then transferred to a server having access to a private blockchain ledger. Upon completion, the PoS terminal will receive, from the server, the redemption status for the promotional token ID based on information stored in the private blockchain ledger responsive to the validation request.

Various examples described herein are directed to systems and methods for processing a payment using a mobile wallet network and issuer. A mobile wallet application provides payment information and an indication if payment may be done directly via the mobile wallet network to a point of sale (POS) terminal. The POS terminal determines which payment network to use. A bill may be sent to the mobile wallet application. The mobile wallet application requests payment authorization from an issuer. The issuer provides the authorization and the transaction is completed between the POS terminal and the mobile wallet application.

A method for determining customer lifetime value using an incentive system to provide for geographically limited rewards earned for transactions includes tracking payment card transactions between enrolled payment cardholders and enrolled merchants, creating a database of rewards eligible transactions, instructing a virtual payment card issuer to apply the rewards amount for each rewards eligible transaction to an account, receiving transaction authorization requests from the virtual payment card issuer corresponding to enrolled cardholders requesting to spend rewards within their corresponding account, if the transaction is occurring within a prescribed geographic area in which rewards can be spent, transmitting an authorization for the virtual card issuer to complete the transaction using the rewards, establishing a cohort of enrolled payment cardholders and associated transaction data, and calculating a custom lifetime value for the enrolled payment cardholders within the cohort, the calculation based on the transaction data acquired by the incentive management system.

A payment integrated loyalty system including a point of sale terminal comprising a card reader, a communication subsystem configured to wirelessly communicate with a payment instrument, and configured to communicate over a network with at least a first and second server. The payment integrated loyalty system includes a processor in communication with the communication subsystem and card reader, configured to receive, through the communication subsystem, a payment instrument identifier associated with the payment instrument, and obtain a fingerprint based on one-way encrypting the payment instrument identifier. The processor is further configured to receive, from the first server via the communication subsystem, a loyalty balance associated with the fingerprint and to complete the financial transaction based on an updated amount based on the loyalty balance.

A system and method uses one or more repurposed data fields in a payment transaction message to pass the merchant consumable data from a mobile device to the merchant system using an existing channel. The merchant consumable data relate to loyalty or rewards.

A method and system for crediting a reward to an electronic wallet account, wherein an electronic wallet account is pre-established for a user who has a pre-authorized electronic device with an electronic wallet application module, a reward application module and an image processing application module. A table of identifiers associated with a reward is pre-established, and the identifier is encoded in an image to be shown on a product. A registration of the user as a participant in a campaign is pre-established. Identifier information contained in an image captured by the electronic device is received, and it is determined whether the identifier information is in the table of identifiers. The reward associated with the user's electronic wallet account is credited, the identifier is removed from the table of identifiers, and notification of the crediting of the reward is provided.

A system for a product bundle for purchase may include a user device associated with a given user, and a promotional server. The promotional server may obtain historical online browsing data associated with the given user, and obtain historical shopping data associated with the given user. The promotional server may also generate the product bundle based upon the historical shopping data and the historical online browsing data. The product bundle may include complementary products for purchase each having a purchase price associated therewith. The product bundle may have a bundle price that is less than a sum of purchase prices of each of the complementary products. The promotional server may communicate the product bundle and the bundle price to the user device for display thereon, generate a digital promotion redeemable toward the purchase of the product bundle, and communicate the digital promotion to the user device.

A gift redemption system may include a gift processing server configured to accept a gift value for a gift product for a gift recipient, and permit selection of a retailer from among retailers for the gift product. The gift processing server may also be configured to associate a gift recipient identifier with the gift recipient, and permit selection of a redeemable gift value from the gift value. The system may also include a retailer server associated with the selected retailer. The system may also include a gift redemption server configured to obtain the redeemable gift value and the gift recipient identifier, and cooperate with retailer server to generate a gift discount identifier for use by the gift recipient at a point-of-sale (POS) of the gift product based upon the redeemable gift value and the gift recipient identifier.

A method of determining a likelihood that a debt payment will be made or received, the method comprising sending a message to a debtor mobile computing device comprising a link to a debtor portal; displaying on the debtor mobile computing device an indication of the debt owing; displaying on the debtor mobile computing device a proposed payment plan for settlement of the debt; and receiving an indication that the debtor accepts the proposed payment plan is disclosed. The method may use Next Best Action (NBA) modelling. The message sent may be a SMS message and it may include an indication of the debt owing. The method may further comprise offering a discount to the debtor if the discounted amount is paid that day. The offer of a discount may initiate an automated negotiation process with the debtor.

The present invention relates to a method, system, and computer program product for facilitating sharing of desired items stored in a digital wallet for gifting purposes. The invention includes selection of items by users to be saved in their digital wallets and sharing of the wallet and items saved therein with other users such as friends, relatives and others. The other users can view the content of the shared wallets and can purchase one or more items for gifting. The invention also includes registration of the sellers for listing items for sale at a discounted price, along with a percentage sharing with the server used in the digital wallet.