Methods and systems described in this disclosure are directed at delivery of educational concepts for increasing the financial literacy of youths. In some embodiments, a mobile application program is disclosed that facilitates management of tasks assigned to youths, setting up a rewards program for participants that complete tasks successfully on time, integrating different types of data from various devices to determine whether an assigned task is successfully completed. In some embodiments, the disclosed platform can integrate with electronic payment systems managed by external third parties for rewarding youths on successfully completing the task.

Techniques for providing a reusable filled bottle are provided. A stations receives a bottle request from a user and uses information from the request to select and associate a sanitized bottle to the user. The user is charged for a bottle rental and provided with a filled reusable bottle. The user may also return the bottle to the station to have the bottle refilled or return the bottle such that the bottle rental is completed and the bottle no longer associated with the user.

A global combination payment system for use in commerce by users, the global combination payment system comprising: a combination payment platform adapted to provide users with an interface through which the users may interact with other users, such that to engage in commerce, make payments, and exchange goods and services; and a combination payment vehicle for use as a payment method, the combination payment vehicle comprising a plurality of distinct and separate funding sources that may be selectively combined to make a purchase, the plurality of funding sources being selectable from cash, credit card, debit card, payday loan, cryptocurrency holdings, merchant digital loyalty rewards, investment stock and bond holdings; wherein a total value of the plurality of funding sources defines a line of credit via which to make a payment; and wherein the users each have a user account within the combination payment platform for engaging in commerce.

A device may receive, from a client device associated with a customer, an agreement of the customer to join a rewards program, and may receive, from the client device and based on the customer joining the rewards program, item data identifying an item placed in a shopping cart by the customer and customer data identifying the customer, wherein the item data is received by a transaction card from a price tag of the item, and wherein the item data is received after the item has been removed from a shelf and placed in the shopping cart. The device may receive rewards data identifying rewards associated with a plurality of items, and may process the item data, the rewards data, and the customer data, with a machine learning model, to identify a reward for the customer. The device may provide, to the client device, data identifying the reward.

The invention provides a system to physically dispense an item, including tangible items and/or services or features, on-site from a dispenser whereby the item to be dispensed is selected by the system based on user-specific or item-specific information. In an embodiment, the system selects the dispensed item based on both user-specific and item-specific information. In another embodiment the invention comprises a system that activates gaming features in a gaming device based on user-specific information. In another embodiment, the invention comprises a system incorporated into an interactive amusement system to activate features of a playfield based on user-specific information.

Incentives are offered by merchants, delivery services, issuers, acquirers, and transaction handlers are made to an account holder to make an authorized e-commerce transaction for the delivery of a purchase in exchange for the offerors making a donation to the account holder's designed charity. To incent purchases from local merchants, the incentive may limit the donation by a derivation of navigation time between account holder and merchant. The consumer uses any one of several different merchant websites to check-out so as to purchase the selected goods and services in the account holder's virtual shopping cart that the account holder selected from any of the several different merchant websites, while avoiding interacting with third party vendors. The consumer shops with different merchants at different webpages without requiring the account holder to use a separate permission or log-in for each different merchant. The account holder receives the packaged purchase in tamper evident packaging, and has access to chain of custody documentation and blockchain data sufficient to assure a certification of quality for the purchase in the delivered package. The consumer receives the package purchase from a delivery service by a process that is socially distanced with contactless acceptance of the packaged purchase. The consumer receives a survey by which feedback communications can be provided about the delivery of the packaged purchase.

Examples described herein include systems, methods, instructions, and other implementations for data security with integrated promotion systems. In one example, account security system receives a checkout communication that includes data describing a validated checkout system of a merchant system, where the checkout communication does not include a purchase promotion option. A client token is transmitted in response to an authentication that the checkout communication is from the validated checkout system, and an account communication including the client token and secure client information is received from a client device. A plurality of promotion options associated with the secure transaction is transmitted in response to the account communication, and a promotion selection for the secure transaction is received from the client device and not from the merchant system.

A control method includes: receiving first transaction data related to a sign-up for crowdfunding from at least one participant and storing the first transaction data received into a distributed ledger which is included in each of the servers and stores beforehand reward information specifying a reward amount that is to be offered for each of the at least one participant and that has a tendency to decrease with a later timing of the sign-up of the at least one participant; determining, by reference to the reward information, the reward amount for each of the at least one participant based on a timing at which the first transaction data is received; and storing, into the distributed ledger, second transaction data indicating that each of the at least one participant is offered the reward amount determined in the determining, if it is determined that a goal condition of the crowdfunding is satisfied.

The present disclosure is directed to a system and method to allow sellers of products to establish individual products in a multilevel marketing (MLM) commission system, where the product is offered and sold to a first purchaser—who then actively by requesting a code, or passively, through the purchase of the product, becomes a user of the commission system. This user is provided a code such that the code may be passed onto followers of the registered user. The registered user will be allowed to advertise the product to a second purchaser and the second purchaser will be allowed to purchase the product and provide advertisements to other purchasers. Commissions paid to respective downline purchasers for a single product may be limited by a preset number of defined levels. After a product is purchased, commissions are paid out to each respective purchaser according to the defined commission levels. The system may integrate with other MLM organizations, detect potential product conflicts, and alter the commission plan for users that are members of that organization.

The present disclosure generally relates to the use of loyalty accounts, private label payment accounts, and general payment accounts using a wearable electronic device with an electronic wallet. Various accounts are linked to the electronic device. In some examples, the electronic device is NFC-enabled. The electronic device may be used to provide loyalty account information and payment account information to a payment terminal, such as an NFC-enabled payment terminal.