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.

Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.

Implementations of the present disclosure provide a service processing method, device, and system associated with unified resource locator (URL)-based two-dimensional (code). In an implementation, a URL is received from a first service institution. The URL is obtained by a mobile device from scanning a 2D code provided by a service provider and sent to the first service institution. The URL is then parsed to identify one or more data elements including a service network identifier, a service institution identifier, and a payload including a service object identifier. The one or more data elements is sent to the second service institution based on the service institution identifier. Service information associated with the service object is received from the second service institution based on the service object identifier, and the service information is sent to the first service institution for presenting on the mobile device.

Disclosed herein is a system and method to allow sellers of products to enroll a credit card in a multi-level marketing (MLM) system by providing the MLM system with a seller and a credit card to be issued and provides a first applicant to sign up for that credit card and then allow the purchaser to enroll themselves in the MLM system as well as to allow the credit card holder to easily advertise the credit card to a second applicant. The second applicant can do the same, by applying for a credit card and, assuming they are approved, advertising to a third person and so on. Commission is payed to the upline card holders based on transaction made by the persons they referred at preset commission levels. Once the card holders are enrolled, they are provided with a code, to refer other users. The card holding users can pass the code via link onto the user's followers, such as family, friends, colleagues, etc. to allow them to become part of the MLM tree. The system also acts as a credit card company which allows the system to collect data on user purchases and collect interest on credit card debt. Further, any credit card, whether issued by the MLM system or by another party, can be registered with the system just like any other product and commission can be paid upline whenever a user makes a credit card transaction.

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 includes the operations of receiving marketing campaign data over a network from an originator computing device to establish a marketing campaign, wherein the marketing campaign data identifies one or more keywords and/or key phrases. The operations may further include causing the marketing campaign data to be accessible over a network to a participant computing device and receiving one or more audio file over the network from the participant computing device, wherein each received audio file includes spoken words of the participant recorded by a microphone on the participant computing device. The operations may additionally include determining, for each received audio file, a number of instances that the participant says the identified one or more keywords and/or key phrases in the received audio file, identifying a reward for the participant based on the determined number of instances, and crediting an account of the participant with the identified reward.

A method and system for crediting a financial account of a user with an amount is provided. The amount is maintained in a lock mode for a set time period in the account. The crediting of the amount is based on a registration request received from the user. The user further provides the amount that the user wants to maintain in the account. Reward points are determined based on transaction history of a transaction card associated with the account and are blocked in the account based on the registration request. The reward points are settled as and when the user performs transactions in the set time period by way of the transaction card. The amount that is equivalent to the reward points is credited in the account of the user when the reward points are settled in the set time period.

A loyalty program management system associated with an enterprise location is provided. The loyalty program management system is programmed to: a) receive a plurality of input data associated with a plurality of patrons, wherein the plurality of input data represents actions of the plurality of patrons; b) determine a current location of a patron of the plurality of patrons, wherein the current location of the patron is not at the enterprise location; and c) transmit a message to a computer device associated with the patron including a prize to be awarded if the patron visits the enterprise location.

Methods and systems are provided for blockchain-based social media commerce referral tracking system (BRTS). In one novel aspect, the blockchain is used to support traceability and transparency for the referral tracking system that monitors transactions of one or more user generated contents (UGCs) with one or more actionable items. Traceability and transparency foster trust among participants. In one embodiment, the BRTS tracks transactions of a UGC, updates a UGC record upon detecting one or more predefined transactions at a receiving node, detects one or more exit transactions at an ending node, and adds a UGC tuple of transactions from the originator node to the ending node based on the UGC record to a blockchain database upon detecting the one or more exit conditions. In another embodiment, the UGC record is updated using a recursive push procedure. In one embodiment, the BRTS generates one or more referral rewards for each UGC tuple record based on a configured rewarding scheme.

One or more computing devices, systems, and/or methods are provided. In an example, financial account information associated with a plurality of payment options may be determined. First financial account information of the financial account information is associated with a first payment option of the plurality of payment options. The first financial account information may be indicative of a first rewards profile associated with transactions performed using the first payment option. A request associated with a transaction may be received. A plurality of financial return scores associated with the plurality of payment options may be determined based upon the financial account information and transaction information associated with the transaction. A first financial return score of the plurality of financial return scores may be associated with the first payment option. The first payment option of the plurality of payment options may be selected for the transaction based upon the plurality of financial return scores.