A non-transitory computer-readable recording medium storing an information processing program for causing a computer to execute a process includes: storing, in a storage area, first secret data in which behavior data of a user related to a provided service is concealed; exchanging the first secret data for second secret data that corresponds to issuance of a point converted from the behavior data according to a predetermined rule; and presenting the second secret data to a point providing system and making a point issuance request.

A computer converts a first quantity of loyalty program points of a loyalty program possessed by a member held in a first account to a second quantity of different loyalty program points possessed by the member held in a second account in accordance with a fixed ratio. The loyalty program points and the different loyalty program points are non-fungible, non-negotiable units of exchange. A mutual agreement exists between program operators to permit the conversion. Responsive to the converting: the first quantity of loyalty program points is subtracted from the first account; the second quantity of different loyalty program points is added to the second account; and the entity compensates the commerce partner in accordance with mutual agreement. A transformation results in the different loyalty program points that are subject to terms, conditions, or restrictions of the different loyalty program and not of the loyalty program.

Intelligent advice and transaction handling systems and methods. An embodiment includes a merchant device, a merchant server computer, a consumer mobile device, and a smart preferences computer having a decision engine operably connected to a storage device. The storage device stores instructions configured to cause the decision engine to receive service call data associated with a purchase transaction, and determine that a cardholder associated with the purchase transaction is a registered smart preferences user. The process includes accessing smart preferences cardholder profile data, determining a recommendation including at least a first choice payment card account and a second choice payment card account, and then transmitting the first choice payment card account data to the merchant device for purchase transaction processing when the cardholder profile data includes a permission indication. However, the recommendation is transmitted to the cardholder device when the permission indication is not found.

A system and method for providing a universal loyalty rewards and currency consolidation program is disclosed. The system allows customers to make purchases and earn rewards from a plurality of participant merchants using multiple payment forms, and at the same time, allows customers to redeem rewards at both participant and non-participant merchants.

The system may be implemented in both physical retail environments and online shopping environments.

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.

A method and system for tracking physical metrics in an electronic networking system is disclosed. According to one embodiment, the physical metric tracking system comprises a data registering unit that receives activity data by a user, a data processing unit that validates the activity data using a plurality of data validating algorithms and converts the validated data into a convertible value, and a storage that stores the activity data and the convertible value. The convertible value is traded with goods and services, or any other benefits in the social commerce system.

A loyalty transaction system and method comprise a member enrollment confirmation module that determines whether a store customer is a member of a loyalty program offered by the store; a channel determination module that communicates with a database to identify one or more channels available to the store customer for acquiring an item of interest, and determines whether the store customer as a member of the loyalty program uses the one or more channels to acquire the item of interest, the database storing records including data related to the one or more channels, associated customer purchase data, and incentive data corresponding to the channels; a matching module that processes the database records to determine a relationship between the item of interest and the one or more channels for acquiring the item of interest; a point recordation device that associates an incentive with the one or more channels when the item of interest is acquired; and a price comparator that outputs to an electronic device information about purchasing the item of interest from different channels of the one or more channels.

A system, method and computer program product for managing and/or presenting supply-chain data is presented. In one embodiment, the system includes a database for storing the supply-chain data and a server. The server is configured to present multiple role-specific user interfaces to multiple users. The multiple role-specific user interfaces include a distributor user interface, a customer user interface, and a vendor user interface presenting corresponding views. One or more distributor views include product information, pricing information, vendor information, and customer information. One or more customer views include the product information, the pricing information, and the vendor information. One or more vendor views include the product information and the customer information. The different views indicate, for example, rebate-eligible orders of a product by different distributors or customers, or multiple orders of a common product from different distributors or customers.

Systems and methods for golf course tee time booking, score tracking, and customer relationship management are disclosed in near real-time. The system may be used for administering a loyalty program whereby loyalty points are earned and automatically redeemable for future purchases at golf courses, and for providing rate integrity. For example, the price in dollars for a deal (and the associated fees and taxes) is automatically converted into a point value which is displayed as the purchase price for the deal instead of the dollar amount. The system may be used for automated score tracking for individual rounds of golf, tournaments or leagues. The disclosed system can agglomerate tee time booking and score tracking for individual golf courses or associations of affiliated courses thereby providing customers with a centralized booking system and loyalty program.

Systems, apparatuses, methods, and computer program products are disclosed for distributing digital rewards between third parties. An example method includes receiving rewards data representative of at least a digital rewards profile comprising a digital rewards amount for a digital rewards program of a user and receiving a rewards mapping request comprising instructions to identify one or more available digital rewards sources compatible with the digital rewards amount. The example method further includes identifying one or more digital rewards sources comprising one or more of a second digital rewards profile comprising a second digital rewards amount, a promotion of the digital rewards program, or an incentive multiplier and causing transmission of at least one of a predefined digital rewards amount or the promotion of the digital rewards program. The example method further includes executing a purchase transaction for a product associated with a product cost of the digital rewards program.