A method, performed at a mobile device, for accessing a service, comprises: determining, from payment card information stored on or obtained at the mobile device, a list of services that are available in relation to the payment card; receiving a selection of one of the services; determining at least one corresponding communication channel by which the selected service is accessible; and opening the at least one corresponding communication channel to thereby access the service.

Systems and methods for facilitating real-time integration of use of promotional offers such as coupons, coupon codes, gift cards, and the like into a customer relationship management system and/or process. Users such as brands, companies, retailers, etc. issue and send promotional offers to a consumer as a part of a customer relationship management process, and systems for implementing such methods are provided; computer systems may be managed by a single entity or in distributed computing environments wherein aspects of methods are implemented by disparate parties. In a customer relationship management process, such as using software for customer relationship management, the user can directly issue individualized promotions via a direct communication. The individualized promotions are limited to a one-time use and are serialized in a way that facilitates tracking of redemption of the promotions. Offers are traced in real time and are readily directed to individual desired consumers.

According to embodiments, a device includes a camera configured to read a symbol attached to a commodity and capture an image containing discount information attached to the commodity; a commodity information storage configured to store information regarding the commodity acquired by reading the symbol attached to the commodity; a first evaluator configured to determine whether prior commodity information stored in the commodity information storage includes information related to invisible information, in response to reading discount information attached to the commodity; a second evaluator configured to determine whether commodity identification information included in the discount information is identical to commodity identification information included in the information related to the invisible information, in response to the first evaluator determining that the prior commodity information stored in the commodity storage includes the information related to the invisible information; and an output generator configured to output information related to the discount information.

The method of single-use processing of data saved in a Quick Response (QR) code is the invention that consist in that, after scanning the QR code with a device equipped with a camera and extracting from it the data, the obtained data is analysed in order to check whether the data saved in the QR code have not been used already, and if it have not, the data is used in the IT system (for example mobile application, web application), and after that the data is deactivated, which prevent it from further usage. The invention can be used in loyalty program, because it allows for sending to the participants of the loyalty program cards containing the QR code, which, upon scanning, will grant to the user points in the loyalty program. Apart from that this invention make it also easier and faster to top-up phones.

Techniques and arrangements for concurrent processing of payments to multiple merchants in a shared program are described. A method, performed by a service computing device, can include receiving customer information associated with two transactions of a customer with two respective merchants that are in a shared program. Accrued benefits of the customer for conducting the two transactions in accordance with the program can be determined. The accrued benefits can be communicated to the customer via a customer device. The payments for both transactions can be processed, concurrently, in accordance with the accrued benefits. In examples, the merchants may be associated in the shared program based on locations of the merchants, a type of merchant, and/or goods or services offered for sale by the merchants.

An offer processing system is configured to receive transaction data associated with user purchases from third party point of sales devices and/or third party payment processing systems. The offer processing system may then identify offers or savings that are applicable to the transaction data and redeem the offers on behalf of the users.

A computer-implemented method for prepaid card funding for sponsored purchases includes receiving a payment request for funding a sponsored purchase using a payment vehicle, deducting funds from a financial account associated with the payment vehicle, such that the financial account has a negative balance, and loading additional funds into the financial account associated with the payment vehicle, such that the financial account has a zero balance.

Disclosure includes selecting a merchant from a plurality of merchants, enabling a trial mode for the merchant, during the trial mode, receiving an indication of a first order for the merchant, forwarding the indication of the first order to the merchant, allocating a first payment for the first order to the merchant, requesting an acceptance of a membership status from the merchant, and receiving an indication of the payment for the first order.

A point of sale (POS) server for managing electronic coupons includes a memory that stores data of one or more electronic coupons selected by a customer in association with identification information thereof, a network interface configured to communicate with a POS terminal installed in a store, and a processor. The processor is configured to, upon receipt of the identification information of the customer and transaction data regarding a sales transaction started by the customer from the POS terminal, determine which of the selected coupons are applicable to the sales transaction, and control the network interface to transmit coupon information indicating the applicable coupons to the POS terminal.

A method of payment using rewards is provided. The method includes receiving a payment amount from a customer's mobile device; sending selectable payment options to the mobile device based on an amount of rewards points available in a customer rewards account and an amount of credit available in a customer account, the selectable payment options including an option to redeem a portion of the amount of rewards points available to fund a first portion of the payment amount and using a portion of the amount of credit available to fund a second portion of the payment amount; receiving a customer selection of the option; generating a single form of payment in the form of at least one of a quick response (QR) code, a bar code, or a near-field communication (NFC) transmission; and transmitting the single form of payment to the mobile device for providing to a merchant.