A method for purchasing goods or services with incentive rewards program currency within in an airport terminal or other business environment includes image capture of a voucher into a data processing system, typically configured as a tablet computer. In the illustrative embodiment, the voucher is a boarding pass. The passenger's name or other identifying information is extracted from the image, and the tablet presents, in its display, a menu from which the passenger can select food (or other goods) for purchase from purveyors thereof (e.g., airport concessions or street restaurants or retailers in other business environments) using rewards currency. Once items are selected, the tablet determines, from a balance inquiry and response, whether the passenger has sufficient rewards currency for the purchase. If sufficient, the tablet approves the transaction, transmitting the order and the tablet's location to the appropriate purveyor for order fulfillment.

A system and method are provided for providing personalized notifications in mobile applications. The method includes receiving from an enterprise system, transactional activity data associated with a user of a client device; and receiving from at least one loyalty system, loyalty data associated with loyalty offers eligible to the user of the client device. The method also includes analyzing the activity data and the loyalty data to correlate at least one spending indicator from the activity data with at least one of the eligible loyalty offers and generating a personalized notification based on a correlation determined from the analyzing. The method also includes integrating the personalized notification into a graphical user interface of a mobile application provided by the enterprise system, receiving an indication of the selected loyalty offer, and sending to the corresponding loyalty system, an instruction to execute the selected eligible loyalty offer.

Methods and systems are presented for providing a token exchange framework that enables exchanges of reward tokens corresponding to different reward systems and/or different merchants. The token exchange framework includes a blockchain for storing transaction data associated with transactions of reward tokens. During the onboarding process, reward systems associated with different merchants may be connected to the blockchain of the token exchange framework via one or more bridges. Reward tokens may be issued to represent reward data corresponding to the different reward systems, and can be freely exchanged within the token exchange framework via the blockchain. When a transaction for redeeming a reward is received, reward tokens in the blockchain can be converted into reward data corresponding to the merchant's reward system and process the transaction with the merchant using the converted reward data.

For privacy-preserving attribution, the exposure and/or attribution to physical media (e.g., a surface or object) is determined on-board the mobile device. The exposure and/or attribution may be communicated remotely from the mobile device without passing specific locations and/or identifiers of the operator. The attribution information may be used by others without having access to private information, which never leaves the mobile device.

Various aspects of a method and system for processing a monetary transaction are disclosed herein. The method includes registration, at a server, of a first virtual currency instrument that corresponds to a first account and one or more other virtual currency instruments that corresponds to one or more other accounts. The registered first virtual currency instrument is associated with a first value. The method further includes reception, at the server, of a redemption request of the registered first virtual currency instrument to process the monetary transaction. The received redemption request is higher than the first value associated with the registered first virtual currency instrument by an excess value. The method further includes redemption, at the server, the first value associated with the registered first virtual currency instrument and at least portions of one or more other values associated with the registered one or more other virtual currency instruments that correspond to the excess value, to process the monetary transaction.

The system may be configured to perform operations including determining a point conversion rate between a first merchant point value associated with a first merchant point and a second merchant point value associated with a second merchant point; receiving a request from a consumer to sell an exchanged point amount comprising a first merchant point amount; receiving a first payment from the first merchant for the first merchant point amount; retrieving the first merchant point amount from a consumer profile; transmitting the first merchant point amount to the first merchant; calculating a second merchant point amount equal to the first merchant point amount, based the first conversion rate; transmitting a second payment to the second merchant to purchase the second merchant point amount from the second merchant; receiving the second merchant point amount from the second merchant; and transmitting the second merchant point amount to the consumer profile.

A computer-implemented integrated loyalty points management system and method includes a plurality of affiliate servers, an integrated loyalty points management server, and a loyalty pool. The affiliate servers may process purchases of loyalty points for issuing to customers. Loyalty points may be integrated loyalty points, which are issued by each of the affiliates for a purchase or purchases made by a customer. Any of the affiliate servers may process redemption of loyalty points by customers for goods, services, or money. The affiliate server may communicate with the integrated loyalty points management server and the loyalty pool to exchange redeemed loyalty points for cash.

A computer-implemented integrated loyalty points and non-integrated loyalty points management system and method includes a plurality of affiliate servers, an integrated management server, and a loyalty pool. The affiliate servers may process purchases of loyalty points for issuing to customers. Loyalty points may be integrated loyalty points or non-integrated loyalty points, which are issued by each of the affiliates for a purchase or purchases made by a customer. Any of the affiliate servers may process redemption of loyalty points by customers for goods, services, or money. The affiliate server may communicate with the integrated management server and the loyalty pool to exchange redeemed loyalty points for cash.

An interoperable reward currency apparatus, system, and method comprising a proprietary general interoperable reward currency comprising voucher-tag-objects; a network of reward systems that generate and use the interoperable reward currency; reward system members; a network processor; physical tags, tag-objects and apparatuses including modules configured for identification, qualification, generation, aggregation, detection, and redemption of elements including the interoperable reward currency in accordance with interoperability rules; a process to identify transactions instead of consumers for qualifying for and using the interoperable reward currency; reward providers configured to redeem the interoperable reward currency; consumers that receive and redeem the interoperable reward currency in exchange for a reward; a process to collect value to pay for the interoperable reward currency generated; and a process to disburse value to reward providers that redeem the interoperable reward currency.

A system for managing multiple loyalty accounts, the system including one or more processing devices that receive a request indicative of a merchant and a user identifier, use the user identifier to obtain loyalty point data indicative of at least a points balance for each of multiple user loyalty accounts, use the merchant identifier to determine a merchant loyalty program for which the merchant can redeem loyalty points, calculate a points amount with the loyalty point data, the merchant loyalty program, and one or more rules, the one or more rules being at least partially indicative of conversion rates between loyalty programs, and at least one of provide a points indication indicative of the points amount to allow the points amount to be presented to the user, and cause points to be redeemed at least partially to allow a transaction to be selectively performed.