A system and method for a user to have a credit card, debit card, or stored value card that is linked to their reward points account in such a way as to permit them to pay for purchases with a merchant by using the card, wherein the merchant uses the existing credit card payment infrastructure as if payment were being made/authorized by a bank linked to the credit card or debit card account, but in fact the card is linked to the user's reward points account. In this manner, the user and merchant can use the reward points account to pay for purchases in a seamless manner whereby reward points are used for consideration rather than or as a supplement to cash and traditional credit.

The disclosed embodiments provide systems, methods, and techniques for managing merchandising cards. A merchandising card may be, for example, a gift card, loyalty card, or the like. Consistent disclosed embodiments, a system for managing merchandising cards may include one or more memory devices storing instructions and one or more processors configured to acquire, from a device over a network, a plurality of locations associated with the device, the device locations being acquired at different instances in time within a predetermined period of time. Additionally, the one or more processors may be configured to calculate an overall merchant confidence rating for a merchant using the device locations. Further, the one or more processors may be configured to, based on the overall merchant confidence rating, determine that the merchant matches a merchant that is associated with merchandising card, and send a reminder a user of the device.

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.

A reward points transfer system and process using blockchain is disclosed. Transaction account issuers may write reward transfer messages to the blockchain to initiate a transfer of reward points for a transaction account holders account to one or more rewards partners. Rewards partners may retrieve the reward transfer messages from the blockchain, and write a reward transfer response message to the blockchain to confirm receipt of the reward points transfer and to update the status of the transfer. The transaction account issuers and rewards partners may encrypt the messages and generate hashes based on the messages prior to writing to the blockchain, to ensure that the messages are not tampered with during the transfer process.

A system and method for on-demand ownership management is provided. In particular, a computing device receives an indication of: a first fungible amount of a first type; and a particular property. The computing device identifies an equity indicator associated with the particular property. The computing device converts the first fungible amount of the first type into a second fungible amount of a second type, different from the first type, the second type associated with property value. The computing device causes the equity indicator to change by an amount related to the second fungible amount of the second type. The computing device changes a periodic payment request for the particular property, providable to a communication device associated with the indicator, relative to a previous payment request, to indicate the change to the equity indicator and/or generally causes an action associated with an electronic device.

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.

A method, system and computer program for enabling a loyalty system to be linked to one or more card issuers, cardholders, merchants, and thereby their cardholders. A system operable to create, implement and manage one or more loyalty programs that provide benefits to members of the loyalty programs in connection with transactions between the members and one or more merchants associated with the loyalty system. The method includes registering on the loyalty system one or more card issuers; one or more merchant acquirers associated with the one or more card issuers; a plurality of cardholders as members of the loyalty program. Establishing and applying rules for accrual and processing of benefits from the merchants to cardholders associated with the one or more card issuers in connection with transactions between the cardholders and the merchants with the loyalty system. Defining a rule based survey utility operable to issue surveys to members of the loyalty system on a transaction and non-transaction basis.

A method and system for disbursing loyalty points is provided. A server receives loyalty points disbursement (LPD) parameters including at least an initial earn rate, a loyalty points budget, and a disbursement period. The server receives an LPD request corresponding to a transaction performed by a user. The server updates the initial earn rate based on at least one of real-time transaction data, predictive transaction data, real-time market disbursement data, and predictive market disbursement data. The server disburses a first set of loyalty points, from the loyalty points budget, to the user based on at least the updated earn rate and a transaction amount of the first transaction.

In some embodiments, a multi-tenant loyalty platform is provided for selective configuration of loyalty programs in a multi-tenant environment. An example platform comprises a processor and a memory storing instructions which, when executed by the processor, configure the multi-tenant loyalty platform to cause presentation, in a user interface, of loyalty program options to a first tenant in the multi-tenant environment, the user interface allowing the first tenant and the multi-tenant loyalty platform to collaborate in a program configuration flow on selected program options made by the first tenant; receive, via the user interface, from the first tenant, first order data relating to a selected program configuration, specific to the first tenant, of a first loyalty program to be implemented using the first order data, the first order data including a first set of attributes relating to the first loyalty program; cause presentation, in the user interface, of loyalty program options to a second tenant in the multi-tenant environment, the user interface allowing the second tenant and the multi-tenant loyalty platform to collaborate in a program configuration flow on selected program options made by the second tenant; receive, via the user interface; from the second tenant, second order data, different from the first order data, relating to a selected program configuration, specific to the second tenant, of a second loyalty program to be implemented using the second order data, the second order data including a second set of attributes relating to the second loyalty program: store the first and second order data in a loyalty program data structure that includes loyalty program rules specific to each of the first and second tenants and the respective first and second loyalty programs; configure the first and second loyalty programs using data stored in the loyalty program data structure; and implement the configured first and second loyalty programs at the multi-tenant loyalty platform.

The disclosed embodiments provide systems, methods, and techniques for managing merchandising cards. A merchandising card may be, for example, a gift card, loyalty card, or the like. Consistent disclosed embodiments, a system for managing merchandising cards may include one or more memory devices storing instructions and one or more processors configured to acquire, from a device over a network, a plurality of locations associated with the device, the device locations being acquired at different instances in time within a predetermined period of time. Additionally, the one or more processors may be configured to calculate an overall merchant confidence rating for a merchant using the device locations. Further, the one or more processors may be configured to, based on the overall merchant confidence rating, determine that the merchant matches a merchant that is associated with merchandising card, and send a reminder a user of the device.