A system and method for minimizing customer churn in device service businesses commences with execution of a customer service contract. Ongoing customer data capture is made for each contract. Customer data includes contract events, environmental events, service events, device usage analytics and personnel events. Machine learning is applied to captured customer data, which machine learning is based on a state of customer data at the time of contract determination. Customer data is assigned weights, and aggregate data for each customer is compared to a preselected threshold level. Customers above a threshold are deemed happy and customers below the threshold are deemed to be at risk. Remedial measures relative to at risk customer data generates remedial measure suggestions.

Disclosed is a plurality of computer servers operating a rewards-based, universal, integrated code base in which each respective platform operating on the code base agrees to an information exchange, payment and rewards framework. The rewards-based, universal, integrated code base is a single code base including an aggregation of each respective platform and which enables at least one or more of rewards, payments and data sharing between each respective platform in the rewards-based, universal, integrated code base such that users do not open or close different platforms. Combining and grouping platforms is also possible. Full participation in obtaining and redeeming rewards for interacting with the rewards-based, universal, integrated code base through messaging, reviewing, purchasing, bidding on offers, etc., is achieved via an authorized user device for access to the rewards-based, universal, integrated code base.

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.

Systems and methods for product relevancy may include a system for determining matching products, including a memory storing instructions and one or more processors coupled with the memory. The one or more processors are configured to: receive, from a user terminal, food product information; transform the food product information into normalized food product information according to a normalized format of a food distribution system; determine a product corresponding to the normalized food product information, wherein the product is associated with one or more normalized first product characteristics; identify a matching product that corresponds to the product based at least on overlap between the one or more normalized first product characteristics and one or more normalized matching product characteristics associated with the matching product; and transmit, to the user terminal, a notification of the matching product.

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.

Certain aspects of the present disclosure provide techniques for determining a target recommendation for a transaction based on historical transaction data. An example technique for determining the target recommendation for a transaction based on historical data includes receiving a request for a target recommendation and transaction parameters from a user. Based on the transaction parameters, one or more subsets of historical transaction data are retrieved, and a respective weight applied to generate the target recommendation. Based on which of the one or more retrieved subsets of historical transaction data and respective weight(s) applied generate the target recommendation, a confidence level is generated. A determination is made whether the confidence level meets a minimum confidence level. Based on the determination that the confidence level meets the minimum confidence level, the target recommendation is provided.

Described herein are systems and techniques for providing automatic distribution of transaction-related benefits to an account used to conduct a transaction. In certain embodiments, the system receives transaction details from a transaction processing network as transactions are conducted. The system determines an appropriate benefit provider for a transaction conducted from an account and provides a subset of transaction details to that benefit provider. The benefit provider compares the subset of transaction details to a set of limited transaction details received from a resource provider to identify the transaction and determine a benefit amount, if any, for which the transaction qualifies. The benefit provider then provides the benefit amount to the system, which then causes the transaction processing network to credit the account the benefit amount.

Described herein are systems and techniques for providing automatic distribution of transaction-related benefits to an account used to conduct a transaction. In certain embodiments, the system receives transaction details from a transaction processing network as transactions are conducted. The system determines an appropriate benefit provider for a transaction conducted from an account and provides a subset of transaction details to that benefit provider. The benefit provider compares the subset of transaction details to a set of limited transaction details received from a resource provider to identify the transaction and determine a benefit amount, if any, for which the transaction qualifies. The benefit provider then provides the benefit amount to the system, which then causes the transaction processing network to credit the account the benefit amount.

Systems, methods, and machine-readable instruction sets, configured for delivering, to one or more secure storage facilities operated by or on behalf of, or otherwise associated with, a first enterprise, and located at a premises owned, leased, operated by or on behalf of, and/or otherwise associated with, a second enterprise, such as a conveniently-located vendor premises engaged in selling unrelated goods or services, goods associated with an order placed with the first enterprise via a communications network; and delivering, to a resource identifier associated with the order, signals representing value, such as coupon(s), loyalty and/or other discount points, etc., redeemable at the second enterprise, and/or at a third-party premises.

The present invention relates to a method and apparatus for providing discounts, rebates, and offers relating to various medicines or supplements as integrated into an electronic health record application. The invention uses one or more computer systems to send and receive signals from an electronic health record application. The information is used to consult various databases to find offers regarding health products prescribed or recommended to a person.