The present invention generally relates to a system, method, and computer program for providing maximum savings in electronic commerce. Specifically, during a shopping experience, several products or service inputs, such as: electronic coupon codes, sales taxes, cashback rebates, customer loyalty programs, etc. are calculated and compared against numerous competitor retailer stores to ascertain the lowest price. Several optimization schemes are also disclosed which enhance a user experience.

Provided are systems and methods enabling enrollment in promotions via a tokenization platform. In one example, the method may include establishing a network communication channel between a tokenization platform and a digital wallet of a user device, transmitting a promotion from the tokenization platform to the digital wallet on the user device via the established network communication channel, receiving authorization to accept the promotion at the tokenization platform from the digital wallet on the user device, and identifying tokenized payment account information of the digital wallet stored at the tokenization platform and automatically transmitting information about the tokenized payment account information of the digital wallet information from the tokenization platform to a promotion enrollment system associated with the promotion. The example embodiments use existing payment network infrastructure to provide seamless promotional enrollment through a tokenization platform instead of a standalone website.

Systems and methods are disclosed for managing a plurality of supplemental payment sources of a user. One method includes: receiving a primary payment source account of a user for a purchase transaction originating at the merchant, the primary payment source account having an identifier associated with one or more supplemental payment source accounts; receiving supplemental payment source accounts of a user for applying to a payment transaction originating at the merchant; receiving, from a user device, preference settings to apply one or more of the supplemental payment source accounts to a payment transaction; receiving a transaction authorization request from the merchant or merchant acquirer for a transaction amount; and determining a combination of payment source accounts to use in the payment transaction, from a group comprising one or more supplemental payment source accounts and the primary payment source account, and any of one or more preference settings.

A system and method are provided for managing loyalty program accounts. The method is executed by a device and includes providing, from the device, access to a loyalty wallet application. The method also includes storing loyalty account information for a plurality of loyalty accounts in the loyalty wallet application and integrating a loyalty tracking application, operable from the device, with at least one transaction channel accessed via the device. The method also includes receiving transaction data from the at least one transaction channel; detecting, from the transaction data, that a transaction yet to be executed is eligible for a loyalty reward associated with one or more of the plurality of loyalty accounts; and modifying the transaction to use corresponding loyalty account information to obtain the loyalty reward. The method also includes enabling the modified transaction to be completed to obtain the loyalty reward.

A voucher marketplace system comprising a control server, a platform database, and a plurality of user devices operated by users corresponding to buyer accounts and seller accounts. The voucher marketplace system allows digital vouchers to be created by the seller accounts and purchased by the buyer accounts at a virtual price. Each digital voucher can redeemed by the owning buyer account to trigger execution of a commercial transaction via an e-commerce platform, or be sold to another buyer account. Each digital voucher may have claim parameters which modify the virtual price and define effective execution periods during which the digital voucher is redeemable, whereby the virtual price is reduced by a lead period discount when sold prior to the effective execution period, The voucher marketplace system further presents pricing data reports which compare the virtual price of the digital vouchers against a market price corresponding to completed voucher sale transactions.

An electronic payment card processing system and method includes a host computing device having at least one processor in communication with a memory device and a multi-party payment processing network for processing payment-by-card transactions. The host computing device is configured to identify a first payment-by-card transaction between an enrolled cardholder and a first enrolled merchant that is processed over the multi-party payment processing network, identify at least one affiliated merchant of the first enrolled merchant; and send an affiliate incentive offer for the at least one affiliated merchant to the enrolled cardholder.

Described herein is a computing device for applying merchant promotions to a push payment transaction. The computing device includes a processor and a memory. The processor is configured to receive a promotion request message. The promotion request message includes a merchant ID and an initial push payment transaction amount. The processor retrieves, from the memory, a merchant promotion and applies the retrieved merchant promotion to an initial transaction amount to determine an updated transaction amount. The processor then transmits a promotion response message, receives an authorization message and initiates a transfer of funds. The promotion response message includes the merchant ID and the updated transaction amount. The authorization message authorizes the push payment transaction in the updated transaction amount. The funds are transferred in the updated payment amount from the user account with the originating institution to the merchant account at the receiving institution.

A method begins by monitoring exchange item transactions occurring in an exchange item marketplace network. The method continues with generating trend information based on the monitored exchange item transactions and determining attributes for a targeted marketing program based on the trend information. The method continues with identifying a subset of buyer computing devices based on the attributes. The method continues by generating offer information based on the targeted marketing program and sending the offer information to the subset of buyer computing devices. When receiving a purchase request from a buyer computing device, the method continues by generating an exchange item request regarding an exchange item and sending the exchange item request to a branded server associated with the exchange item. The method includes receiving offer exchange item information from the branded server and sending at least a portion of the offer exchange item information to the buyer computing device.

Aspects described herein may relate to techniques for segmenting one transaction into multiple sub-transactions. A user may wish to purchase multiple items. The overall purchase request may be segmented into multiple sub-transactions based on a transaction category of each item. Transaction categories may be based on merchant category codes (MCCs). Each sub-transaction may include one or more items related to the same transaction category. Each sub-transaction may be underwritten and approved separately by the merchant and/or a financial institution (e.g., a credit card company). Financial information related to each different transaction category may be determined based on the sub-transactions. Reward offers may be provided in a more robust manner based on the different transaction categories determined during the purchase process.

Disclosed are a complex payment system using a portable terminal, and a complex payment method. According to the present invention, a portable terminal such as a smartphone or a vendor server may analyze and display an optimum payment condition containing a minimum payment amount using bonus information such as card information, discount information, membership point information, or coupon information when a user pays, thus preventing personal information leakage and enabling the user to pay a minimum amount by means of his/her credit card using the bonus information.