Disclosed is a rewards manager admin module to create, update and delete a campaign; a server-side application module responding to requests from the rewards manager admin module and to provide rewards; a server-side server containing data for the server-side application module to provide the rewards; and a bank core containing raw data of a consumer. The consumer is able to view the amount and type of rewards by viewing their account.

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.

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.

Disclosed are various approaches for incentivizing in-person interactions and customer engagement. A computing device can receive a first indication of attendance of a user at an event and a second indication of attendance of the user at the event. The computing device can calculate an amount of time that the user attended the event. Then, the computing device can calculate an amount of reward points based at least in part on the amount of time that the user attended the event. Finally, the computing device can award the reward points to the user account of the user.

Described are a system and method for dynamic promotional offers during user interaction at an automated teller machine (ATM). The method includes receiving, at the ATM, a transaction request based on an account identifier associated with an account of a user. The method also includes determining, based on the account identifier, that the account of the user was issued by an issuer that is different than an acquirer associated with the ATM. The method further includes, in response to determining that the account was issued by the issuer, generating, with at least one processor, an authorization request message based on the transaction request and the account identifier. The method further includes receiving an authorization response message comprising embedded user profile data and generating, on a display of the ATM, at least one offer based on the embedded user profile data.

A method that includes receiving a string from a remote station, the string associated with an interaction event between a user and the remote station, is provided. The method includes verifying that the string includes a content validation for a user account in a network service, mapping at least a portion of the string to a ticker symbol associated with an entry in a database and transmitting, to the user, a message indicating that a fractional value associated with the ticker symbol has been added to the user account in the network service. A system configured to execute the above method is also provided.

Systems and methods to at least provide rewards using a smart contract are disclosed.

The present disclosure involves systems, software, and computer implemented methods for automatically providing linking partner loyalty rewards accounts using authorized user and primary user information associated with an account. One example method includes authenticating a user at a partner system, and receiving from the user information associated with an account. The information associated with user's account is communicated to a financial institution system via an API where the user can then be verified as an authorized user on an account. The financial institution system then provides the partner system with information associated with the primary user of the account, and the partner system can link a loyalty account of the primary user with the loyalty account of the authenticated user.

Disclosed are various approaches for incentivizing in-person interactions and customer engagement. These approaches can include obtaining, with a client device, a first indication of attendance of a user at an event. Then, the client device reports the first indication of the attendance of the user to a remote computing device. Later, the client device obtains an additional indication of the attendance of the user at the event and reports the second indication of the attendance of the user to the remote computing device. Meanwhile, the remote computing device can receive the first indication of attendance of a user at an event and the second indication of attendance of the user at the event. The remote computing device can calculate an amount of time that the user attended the event and an amount of reward points based at least in part on the amount of time that the user attended the event. The remote computing device can then award the reward points to the user account of the user.

A wallet server includes a processor including hardware. The processor is configured to acquire, from a plurality of terminals that are preset, evaluation information indicating an evaluation for a terminal other than an own terminal among the plurality of terminals, the evaluation information being generated by the own terminal, calculate reward amounts for the respective terminals based on the evaluation information, and deposit electronic money corresponding to the reward amounts to electronic wallets associated with the respective terminals.