A point of sale (POS) server for managing electronic coupons includes a memory that stores data of one or more electronic coupons selected by a customer in association with identification information thereof, a network interface configured to communicate with a POS terminal installed in a store, and a processor. The processor is configured to, upon receipt of the identification information of the customer and transaction data regarding a sales transaction started by the customer from the POS terminal, determine which of the selected coupons are applicable to the sales transaction, and control the network interface to transmit coupon information indicating the applicable coupons to the POS terminal.

This document describes to pacing digital component distribution and controlling the use of digital component distribution rate using feedback controllers implemented using secret sharing. In one aspect, a method includes, for each of one or more campaigns, initializing by a first computing system of multi-party computation (MPC) systems and in collaboration with one or more NI second computing systems of the MPC systems, a feedback controller for the campaign in secret shares using a secure MPC process. The first computing system updates, a first secret share of an output of the feedback controller based on an error parameter representing a difference between a setpoint and a measured rate for the campaign. The first computing system determines, based at least on the first secret share of the output, a first secret share of a pacing selector parameter that defines whether the campaign satisfies a pacing eligibility condition for the campaign.

Computer-implemented systems and methods are provided for managing user account data and award redemptions. In one embodiment, a system is provided that includes a web server configured to operate an online platform that enables a user to activate an award enhancement option for an award. The system also includes a data integration server communicatively coupled to the server. The data integration server may be configured to receive, from the web server, first identity data representing an identity of the user and activation data identifying the award enhancement option activated by the user, and store, in a memory device, the activation data with account data of the user. The system may also include an award management server communicatively coupled to the data integration server and configured to: receive second identity data and validation data associated with the user, the validation data confirming that the user is eligible for the award; query the data integration server based on the second identity data and obtain the activation data associated with the user; determine, based on at least one of the validation data and the activation data, whether the user qualifies for the award enhancement option for the award; and when it is determined that the user qualifies for the award enhancement option, automatically update the account data of the user to include redemption data indicating that the user is authorized to receive the award enhancement option.

An example server includes: a memory storing an account database for a centralized reward hub; a processor interconnected with the memory, the processor configured to: receive purchase data for a purchase by a customer, the purchase data including a customer identifier; determine whether account database includes an existing entry corresponding to the customer identifier; when the account database does not include an existing entry corresponding to the customer identifier, create a new entry for the customer identifier; send the customer a login link for the centralized reward hub based on the new entry or the existing entry corresponding to the customer identifier.

An example server includes: a memory storing an account database for a centralized reward hub; a processor interconnected with the memory, the processor configured to: receive a new hub account request for a new hub account at the centralized reward hub; obtain user parameters associated with the new hub account request; filter a list of merchants based on the user parameters; provide the filtered list of merchants for presentation at a client device; receive a selection of a merchant from the filtered list; send a new merchant account request to create a merchant account for the merchant; and create the new hub account in the account database for the centralized reward hub.

An example server includes: a memory storing an account database for a centralized reward hub; a processor interconnected with the memory, the processor configured to: provide a centralized reward hub interface for display at a client device associated with a client account, the centralized reward hub providing multiple merchants for selection; receive a selection of a merchant from the client device; redirect the client device to a merchant site for the selected merchant; provide, to a discount module integrated with the merchant site, a point balance for a client account; receive, from the discount module, an updated point balance for the client account after application of a portion of the point balance to apply a discount at the merchant site; and update the point balance for the client account in the account database.

Embodiments of the present invention provide methods, systems, apparatuses, and computer program products for classifying merchants. In one embodiment a method is provided comprising providing, a first promotion specifying a redemption and a charge monetary values, the redemption monetary value being specified by redemption parameters of the first promotion and a value indicative of a total amount of funds purchased in response to accepting an instance of the first promotion, wherein the funds purchased can be redeemed for offerings of one or more merchants specified by the promotion, the charge monetary value being a monetary value charged for accepting the first promotion, and providing a first classification classifying the first promotion as a promotion having a redemption monetary value that may be used to purchase offerings of the one or more merchants over the course of multiple transactions.

Systems, apparatuses, and methods are described for determining a consumer's engagement with a brand of the business by tracking the consumer's activities in multiple platforms, such as social media platforms, content platforms, gaming platforms, other retailers, streaming video providers, service providers, etc. Method are described for probabilistically granting users variations of items that are otherwise being acquired. The granting may be random, but probabilities may be boosted based on the consumer's activities in the platforms.

The present invention relates to a system and a method for comparing information contained on at least two documents belonging to an entity. The present invention includes at least one device configured to receive information from at least one first document and at least one second document; then, compare at least one first document information and at least one second document information; and determine whether at least one second document contains at least one first document information. The present invention then outputs a result of whether the at least one second document contains at least one first document information.

Disclosed embodiments may include a method for automatically providing customized financial card incentives where the system can identify if a transaction is eligible for additional bonus rewards by determining if the user is a student using a clustering algorithm with user similarity data to generate a probability. Then, if the probability is above a predetermined threshold, a machine learning model with comprehensive user data classifies the user as a student or non-student. Once the user is determined to be a student, the transaction is verified as being an educational purchase using the transaction data or by having the user provide an image of a receipt. Once the transaction is verified, the transaction or items within the transaction qualify for additional rewards that are applied to the user's account. Users who are not identified as students may qualify for a standard amount of rewards.