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.

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.

To simplify a system of using an electronic value, which can be used across a plurality of countries or regions, provided is an electronic value management system configured to: acquire a first evaluated monetary amount based on a first currency, which is evaluated for a currently distributed electronic value issued for the first currency; acquire a second evaluated monetary amount based on a second currency, which is evaluated for a currently distributed electronic value issued for the second currency; and calculate an exchange rate between the first currency and the electronic value based on the first evaluated monetary amount, the second evaluated monetary amount, a foreign exchange rate between the first currency and the second currency, and a total amount of the currently distributed electronic value.

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.

A system for business loyalty programs comprising a loyalty platform comprising a plurality of available payment methods and a payment engine configured to review the plurality of available payment methods. The payment engine identifies desirable payment options from the available payment methods.

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.

Embodiments provide methods and systems for providing a loyalty program to a merchant. The loyalty program is created using a loyalty program ruleset. The loyalty program ruleset is accessed using a merchant identifier of a merchant and a unique identifier data of a user. The unique identifier is captured from a payment card of the user by a merchant terminal. Further, a payment amount for a payment transaction of the user is mapped into a loyalty point data using the loyalty program ruleset. After the mapping, a redeemability of total redeemable loyalty points from the loyalty point data is determined. After determining the redeemability, a redeemable loyalty points is deducted from the total redeemable loyalty points based on a pre-defined number of loyalty points. The payment amount is adjusted based on the redeemable loyalty points. The loyalty program ruleset is also used for determining loyalty reward points for the user.

A method and a system for managing loyalty points of a user is provided. A plurality of loyalty accounts of the user are identified. Each of the plurality of loyalty accounts stores a first plurality of loyalty points. A conversion factor is determined for each loyalty account. Based on the conversion factor associated with each loyalty account, the first plurality of loyalty points of the corresponding loyalty account are converted to a second plurality of loyalty points. Further, a centralized account of the user is credited with a third plurality of loyalty points. The third plurality of loyalty points include the second plurality of loyalty points associated with each loyalty account. The credited third plurality of loyalty points are redeemable by the user.

A system, method, and computer-readable medium are disclosed for management of a distributed ledger technology customer loyalty program, by establishing a distributed ledger technology network of customer and entity nodes. The entity nodes support products and/or services purchased by customers, providing a distributed ledger technology platform accessible by the nodes. Transactions between nodes go through the distributed ledger technology platform. A distributed ledger technology ledger which tracks the transactions. Coins/credits are provided to customers based on their transactions.

A loyalty gamification server platform with a plurality of micro-services are provided. Custom-defined rules permit gamification elements to be integrated as enhancements into loyalty applications though interaction with the micro-services using a platform Application Programming Interface (API). Artifacts associated with rewards and status level of rewards are earned based on activities associated with transactions of a user in accordance with the rules. Social standing artifacts are also earned based on the same or different activities. In an embodiment, users form a community and a dashboard microservice permits each user's ranking relative to games, competitions, status, and social standing to be viewed relative to other users of the community as a dashboard presentation on a display of a transaction terminal or a user device.