A method and system which enables users of a ticketing marketplace to exchange tickets in order obtain groups of adjacent seats for an event. The method may include obtaining data associated with a first transaction for acquiring a first ticket by a first user, obtaining a first indication of willingness of the first user to negotiate exchange of the first ticket, and determining a set of exchange terms. A second user may then request to obtain a second ticket corresponding to a seat adjacent to a seat corresponding to the first ticket obtained by the first user, and exchange, with the first user, a third ticket for the first ticket. Upon a determination that the third ticket satisfies the set of exchange terms, the first ticket obtained by the first user is automatically transferred to the second user and a third ticket is automatically transferred to the first user.

A method and system for providing electronic universal incentive awards processing with blockchains. Universal incentive award points are earned for academic (e.g., tutoring, homework completion, lab completion, project completion, etc.) athletic (e.g., watching sports events, participating in sports events, assisting with sports events, etc.), mentoring, volunteering, extra-curricular activities, clubs, community service and/or other selected activities. The universal incentive award points earned are stored in a blockchain. The blockchain allows the creation and use of universal electronic universal incentive award points with transparency, authentication, verification and fraud prevention. The universal incentive award points are immediately redeemable from the blockchain for goods and services. The incentive award points information can be immediately sent and received with wireless, contactless transfer of information.

Described are systems and methods for providing virtual and remote access to virtual content in a virtual safebox. A computer system includes a virtual vault database for storing a plurality of virtual safeboxes storing digital/virtual content provided by a user. The stored content includes image content representing personal identification documents of the user. The computing device includes at least one processor configured to receive an access request message from a first safebox access computing device and, in response retrieve, from the virtual vault database, the first virtual safebox. The processor is further configured to generate an inventory list identifying each content item and transmit an inventory message to the first safebox access computing device. The processor is further configured to receive a content retrieval message from the first safebox access computing device and transmit a content message to the first safebox access computing device.

The transaction processing system and method provide an efficient and effective way to authorize promotion redemption. The transaction processing system may receive an indication of a request for authorization, the indication comprising a merchant identifier, an account number, and a transaction amount. The transaction processing system may determine whether the request for authorization corresponds to a promotion. The system may further transmit a transaction authorization based on whether the request for authorization corresponds to the promotion. The transaction processing system may cause a promotion database to designate the promotion as redeemed. In this fashion, the transaction processing system improves the consumer experience and minimizes the transaction time needed to identify and redeem a promotion.

As part of an integrated banking platform, an internet banking platform includes a banking server, a processor, and a memory module. The memory module includes stored computer program code. The memory module, the stored computer program code, and the processor are configured to cause the banking server to receive access to a rewards program server associated with a rewards account platform. Further, the server is caused to receive enrollment information associated with a user, and to connect to the rewards program server. The server is also caused to transmit an enrollment request message to the rewards program server. The enrollment request message includes at least a subset of the enrollment information. Additionally, the server is caused to receive an enrollment response message that indicates whether the user has been enrolled in a rewards account maintained by the rewards account platform.

A promotion processing system may include a point-of-sale (POS) terminal and a promotion processing server. The promotion processing server may include a memory for maintaining a database of product identifiers, and store promotion identifiers for store promotions corresponding to at least some of the product identifiers. The promotion processing server may also include a processor configured to cooperate with the POS terminal during a purchase transaction to obtain at least one product identifier presented at the POS terminal, and determine whether a store promotion identifier is presented at the POS terminal, and, when presented, determine a matching product identifier and restrict sending a digital promotion related thereto, and, when not presented, then permitting sending of the digital promotion.

A method of processing a gift card includes: receiving a registration request for registration of a gift card, the registration request including an identifier associated with at least one gift card user; registering a gift card for a gift card amount, the gift card having an expiration date; monitoring redemption of the gift card amount by at least determining whether at least a portion of the gift card amount has not been redeemed by the expiration date; and causing at least a portion of the gift card amount to be transferred to an account in an electronic gift card wallet associated with the at least one gift card user based on the identifier associated with the at least one gift card user. A system and computer program product for processing a gift card are also disclosed.

A system and method of performing in-context of automated delivery of benefit-conveying (BC) code of an e-commerce website is provided. The system comprises means for identifying a BC code input field in a BC context of the e-commerce website, means for storing a plurality of BC code collections for supported e-commerce websites, and means for acquiring information about relevance-checked BC codes of the e-commerce web site. The system comprises means for displaying an UI panel in an vicinity of the identified BC code input field, with the UI panel configured to list information about the acquired relevance-checked BC codes in such a manner that an individual BC code from among the acquired BC codes can be selected through selecting a UI entry listing information about the individual BC code. The system comprises means for inputting the selected individual BC code into the identified BC code input field.

A method for execution by one or more computing devices of an exchange item marketplace network includes generating, by an exchange item origination entity, an origination block of an exchange item transactions chain associated with an exchange item, where a portion of the origination block is encrypted. The method further includes receiving, from a computing device of the exchange item marketplace network, an acquisition request regarding the exchange item. The method further includes generating a first block of the exchange item transactions chain, where the first block includes information regarding the exchange item, the computing device, and the acquisition request, where a first portion of the first block is encrypted, and where the first block is chained to the origination block in accordance with a security approach.

There are provided systems and methods for the location-based secured transfer of a service associated with a loyalty point between mobile devices. A first mobile device submits a services request to a central system, the request identifying a service and inclusive of the position (geographical location) of the first mobile device. The central system identifies service providers capable of fulfilling the request and account owners having sufficient loyalty points to fulfill the request that are in proximity to the first mobile device. Secure communications between the first mobile device and a second mobile device enable negotiations. The central system guides the first mobile device and the second mobile device to a predetermined location to enable secure communication of transaction information, payment information, personal information (needed to procure services), etc. The central system verifies the transaction, ensuring both the first and second mobile devices fulfill the agreed upon terms.