The disclosure herein describes enabling a donor to donate loyalty points associated with a loyalty program to a receiver based on a donation profile. The donation profile is hosted by a loyalty points donation platform (LPDP) and includes a donation entry including a loyalty point type and a requested quantity. A donation request including a loyalty account identifier, credential data of the loyalty account, and a point donation quantity is received. Approval of the donation request is requested from the donor loyalty program including providing the loyalty account identifier and the credential data to the donor loyalty program. Based on receiving approval from the donor loyalty program, the donor loyalty program is instructed to transfer a quantity of loyalty points indicated by the point donation quantity from the loyalty account associated with the loyalty account identifier to a receiver loyalty account associated with the donation profile of the receiver.

A set of transaction handling computing elements comprise a network core that receive and process transaction requests into an append-only immutable chain of data blocks, wherein a data block is a collection of transactions, and wherein an Unspent Transaction Output (UTXO) data structure supporting the immutable chain of data blocks is an output from a finalized transaction. Typically, the UTXO data structure consists essentially of an address and a value. In this approach, at least one UTXO data structure is configured to include information either in addition to or in lieu of the address and value, thereby defining a Transaction Output (TXO). A TXO may have a variety of types, and one type includes an attribute that encodes data. In response to receipt of a request to process a transaction, the set of transaction handling computing elements are executed to process the transaction into a block using at least the information in the TXO.

A reward system and method collects feedback based on driving records and road conditions. A camera disposed on a vehicle can generate traffic-condition data, and the neural network based artificial intelligence is used to identify a traffic flow and a road-sign area in the traffic-condition data. When the road-sign area is identified, the optical character recognition is performed on the road-sign area to generate a geographic location information. The user information, the traffic flow and the geographic location information are embedded into the corresponding traffic-condition data. The traffic-condition data is transmitted to a map-data host for classification and storage. When the geographic location information of the traffic-condition data matches with road congestion location information and a clarity of the traffic-condition data is greater than a preset threshold, a contribution reward is calculated to improve timeliness of updating the traffic-condition data and the user's incentive for providing the traffic-condition data.

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 method for managing reward value related to a transaction account is described. The method includes receiving a redemption request; generating a reward cost based on at least a conversion rate and a transaction amount; updating a reward value in an account profile to place a hold on an amount of the reward value equivalent to the reward cost; and deducting a deduction amount from the reward value.

Some embodiments of the invention provide tools for promoting a user's financial well-being by encouraging positive financial behavior through timely feedback, counseling and instruction. For example, some embodiments of the invention may provide real-time (e.g., in response to a transaction being performed, or in response to the user indicating he/she is contemplating a transaction) useful analysis and advice designed to encourage the type of ongoing financial behavior that leads over time to financial well-being.

Techniques for detecting and presenting rewards for presence are disclosed. Presence of a mobile device within a building is detected based on a plurality of triggers including a degradation of a first signal and a concurrent improvement of a second signal. The triggers are identified by a client-side application of the mobile device or a corresponding server-side processor with which the client-side application is in communication and from which the client-side application is configured to automatically receive available rewards. In response to detecting presence within the building, the server-side processor determines that a user of the mobile device is eligible for a reward, and the reward is provided to the user via the client-side application at the mobile device.

A system, method, and computer-readable medium are disclosed for management of a distributed ledger technology customer loyalty program, by establishing a distributed ledger technology network of customer and entity nodes. The entity nodes support products and/or services purchased by customers, providing a distributed ledger technology platform accessible by the nodes. Transactions between nodes go through the distributed ledger technology platform. A distributed ledger technology ledger which tracks the transactions. Coins/credits are provided to customers based on their transactions.

Systems and methods are provided for reducing communications between servers and a mobile device and providing enhanced security and privacy to wireless beacon services. This can involve a broadcast device transmitting a beacon transmission using a short range wireless radio, such a Bluetooth or WiFi, and including a MAC address, a first unique identifier, and a beacon service identifier. The mobile device then selects one or more unique identifiers from received beacon transmissions, by filtering (that is, selecting) those beacon transmissions which include the beacon service identifier. The wireless device then takes further action, if the first unique identifier is present among the selected one or more unique identifiers, using stored information from the server. The stored information may be delivered to the wireless device in response to the wireless device sending the first unique identifier to a server, or the stored information may have been previously downloaded.

Systems and methods are provided for reducing communications between servers and a mobile device and providing enhanced security and privacy to wireless beacon services. This can involve a broadcast device transmitting a beacon transmission using a short range wireless radio, such a Bluetooth or WiFi, and including a MAC address, a first unique identifier, and a beacon service identifier. The mobile device then selects one or more unique identifiers from received beacon transmissions, by filtering (that is, selecting) those beacon transmissions which include the beacon service identifier. The wireless device then takes further action, if the first unique identifier is present among the selected one or more unique identifiers, using stored information from the server. The stored information may be delivered to the wireless device in response to the wireless device sending the first unique identifier to a server, or the stored information may have been previously downloaded.