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.

Techniques for redeeming accumulated rewards points at a service provider that is independent from a provider of the accumulated rewards points are described herein. The service provide may authenticate a user having an account at the service provider and then associate the user account with a user account at one or more points providers. The service provider may then determine a number of accumulated and available rewards points for the user account(s) at the points provider(s). The service provider may then allow the user to redeem one or more of the rewards points when conducting a transaction with the independent service provider.

In accordance with an embodiment, a points management method includes recording, in a distributed ledger, transaction data showing remaining points retained in a points account. The points management method includes determining points of the remaining points on the basis of a function determined on the basis of a combination of a points issue source and a points use destination, the points being usable at the points use destination.

A system accumulates and pools the purchases of a product or service by many different customers, and when the number of units of the product or service exceeds a threshold, the product or service is sold to the many different customers at a threshold or wholesale price. The system further accumulates loyalty reward points for a customer from many different types of businesses, and stores and maintains these loyalty reward points for each customer in a single database.

An online concierge system receives an order from a customer with a list of items and allocates the order to a retailer at which the items can be picked. The retailer is associated with a payment processing system having a corresponding tokenization process. The online concierge system uses the tokenization process for the retailer to generate a payment token for the customer based on stored payment data and transmits the payment token to the payment processing system. The online concierge system determines a first payment amount from the customer to the retailer based on items picked at the retailer and a second payment amount from the retailer to the online concierge system. The payment processing system charges the customer a sum of the first payment amount and the second payment amount using the payment token. The online concierge system receives the second payment amount from the payment processing system.

System, methods, and computer-readable media for providing in-flight rewards are provided. The method can include receiving information related to a plurality of rewards for redemption by a user, wherein each reward is associated with completion criteria including one or more actions required to redeem the reward. The method can further include combining the completion criteria with the rewards as offers and presenting one or more offers via a display device based on the user activity and one or more flight details. The method can include detecting satisfaction of the completion criteria and presenting the one or more rewards via the display device based on the detecting.

Systems and methods which offer a loyalty program affiliated with different entities associated with an enterprise.

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.

The invention relates to a computer-implemented system and method for loyalty integration to facilitate redemption of rewards using a mobile device. According to an embodiment of the present invention, a system and method comprise the steps of: connecting a merchant app, associated with a merchant, with a funding source associated with a financial institution, wherein the merchant app provides a merchant program to the user; identifying a number of points for conversion to stored value on the merchant app; converting the number of points to a stored value amount on the merchant app; loading the merchant app with the stored value; and responsive to a user request on the merchant app, performing a payment transaction for a purchase using the converted stored value.

Provided are a system and method for facilitating enrollment in a merchant loyalty program. In one example, the method includes receiving, from a merchant server, a request to enroll a digital wallet user in a merchant loyalty program, the request being input via a merchant website associated with the merchant server, verifying that the digital wallet user is an authorized user of the digital wallet via a window associated with the merchant website, and in response to verifying the digital wallet user is an authorized user, automatically transmitting previously stored information of the digital wallet to the merchant server for enrolling the digital wallet user in the merchant loyalty program. According to various aspects, secure data may be imported into a merchant loyalty program from a digital wallet account, thus simplifying the enrollment process on the user.