Aspects described herein allow for systems and methods for spending reward points utilizing payment tokens and verifying reward payment tokens in cross-site transactions for reward purchases. The reward payment token system may include one or more of a reward payment token server, a merchant server, or one or more devices all connected via the network. The reward payment token server may include one or more of the following components: a reward payment token engine, a token translation engine, a rewards engine, a reward payment token database, or a rewards database. The reward payment token system and reward payment token server provide the unique capability of providing real-time spending of rewards without the customer having a pre-existing relationship and/or integration between the two businesses.

Systems and methods for automated personalized incentives are provided. A Universal Rewards Program (URP) automatically collects consumer data regarding spending and wagering behaviors, a provides personalized incentives such as cash back, discounts, deals, bonuses, gifts, retention incentives, referral bonuses, and other personalized incentives. The URP tailors the incentive based upon transaction data collected on the consumer. The URP can also monitor and provide an alert when spending and wagering behaviors can result in negative consequences.

This disclosure provides a loyalty program on a network-wide level. Embodiments may associate UPC and SKU data on a network level to reward consumers and/or to analyze the data for a variety of business purposes, such as market segmentation analyzes and/or analyzes relating to consumer spending behaviors or patterns, for example. In accordance with one embodiment, the network may comprise any number of participants, including consumers (such as primary and supplementary members of an aggregate consumer account), retailers (e.g. including any of their employees), manufacturers, third-party providers, and the like. In accordance with one embodiment, this disclosure enables participation by supplementary members who are associated with a primary member and, in this manner, facilitates the tracking of supplementary member purchasing behavior, reward points earning behavior, and reward points redemption behavior.

An exemplary system, method and computer-accessible medium can include receiving information regarding a purchase by a person, receiving financial account information regarding a financial account associated with the person that was used to fund the purchase, generating rewards information associated with the purchase, generating an authentication token(s) based on the financial account information, sending the rewards information and the authentication token(s) over a network, and receiving a confirmation, over the network, that a rewards account associated with the person has been updated.

Methods, systems, articles of manufacture, and apparatus to monitor the availability of products for purchase are disclosed. An apparatus includes a communications interface to receive market data from data collectors, the market data including stock status data indicative of different stock statuses for a product in different retail establishments. The apparatus further includes a reward profile analyzer reduce error in collection of the stock status data by: generating a reward profile for the market data, the reward profile to define different reward levels for different types of the stock statuses indicated by the stock status data; determining a distribution of rewards among the different data collectors based on the reward profile and different portions of the market data provided by corresponding ones of the different data collectors; and providing the rewards to the different data collectors based on the distribution.

The present invention relates to a system and a method of integrally accumulating and granting a bonus in an on-line commercial transaction, in which in order to integrally accumulate an accumulated point according to a wired/wireless on-line site commercial transaction, an Internet of communication (IoC)-bonus gateway automatically calculates various commercial transaction bonuses and transmits the calculated commercial transaction bonuses to a user terminal device, and the commercial transaction bonuses are transmitted from the user terminal device to a bonus server, so that the on-line commercial transaction bonus is granted, accumulated, and integrated, without passing through an on-line electronic payment granting intermediary gateway (payment gateway (P/G)).

Methodologies and apparatuses create and utilize member profiles and provide members the ability to combine their use of actual currency and virtual currency created by a travel partner using common virtual currency to obtain a product and/or service available from a wide variety of vendors. Further, the use of common virtual currency enables formulation, management, comparison and presentation of options for using virtual currency specific to travel partners.

The loyalty system allows a consumer to accumulate general loyalty points from one or more merchants, and convert any desired subset of general points to loyalty dollars associated with a specific merchant. The system stores, for each consumer, the merchant loyalty dollars (or monetary equivalent) by merchant within a remotely-accessible host database or within a smart card database. Upon conducting a purchase at a particular merchant, the consumer may utilize a code key to facilitate access to the consumer's own loyalty dollars for the particular merchant. The loyalty dollars are then applied to the purchase transaction as a discount or rebate. The consumer may also re-load the merchant loyalty dollar accounts.

The present invention discloses a system (100) and method for referral rewards to provide immediate returns on marketing investment. The system (100) comprises at least one referrer device (102), at least one consumer device (104), at least one merchant device (106), a server (108) and a database (110). The server (108) comprises a referrer reward platform (216) to process a referrer reward application (208), the merchant device (106) comprises a merchant referral application (224), and the referrer device (102) comprises a referrer reward application (208) to accomplish referral rewards. The system (100) enables the referrers (114) and merchants (118) to accomplish marketing campaigns by using the referral rewards platform (216).

Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.