A reward point system comprising an industry vertical reception unit for receiving a user selected monetary value in a selected industry vertical, a point collection unit for receiving a quantity of points associated with the monetary value in the selected industry vertical, a redemption vehicle profile creation unit for generating a profile, and a redemption vehicle generation unit for loading the profile onto a redemption vehicle wherein the points on the redemption vehicle can be redeemed at any merchant in the selected industry vertical. Also provided are methods for utilizing said system.

A system and method for operating a reward points accumulation and redemption program wherein a user earns reward points from a plurality of reward points issuing entities, each of the reward points issuing entities tracking the user's earned reward points in a user reward point account stored on a rewards server. A trading server accumulates the user's earned reward points from each of the reward servers interconnected over a network in association with consideration provided by the reward servers to the trading server and credits the accumulated points into a reward exchange account associated with the user. The user may then select an item for purchase from a merchant computer interconnected to the network. The merchant computer provides the item to the user in exchange for consideration received from said trading server, and the trading server reduces the number of points in the user's reward exchange account in accordance with the consideration provided to the merchant computer.

A system and method are provided for providing personalized notifications in mobile applications. The method includes receiving from an enterprise system, transactional activity data associated with a user of a client device; and receiving from at least one loyalty system, loyalty data associated with loyalty offers eligible to the user of the client device. The method also includes analyzing the activity data and the loyalty data to correlate at least one spending indicator from the activity data with at least one of the eligible loyalty offers and generating a personalized notification based on a correlation determined from the analyzing. The method also includes integrating the personalized notification into a graphical user interface of a mobile application provided by the enterprise system, receiving an indication of the selected loyalty offer, and sending to the corresponding loyalty system, an instruction to execute the selected eligible loyalty offer.

A set of accounts usable for cashless transactions are electronically linked together. The accounts in the set may be associated with different accountholders, issuers, financial institutions, transaction handlers, or combinations thereof. A stakeholder sets up rules that govern, in part, processing of cashless transactions upon the accounts in the set. The rules alter routing of the cashless transaction from one account to another in the set. Loyalty features are determined accordingly. In one implementation, the rule alters the routing of the cashless transaction to optimize a loyalty feature. Amounts spent in transactions upon the accounts in the account set may be tracked, analyzed or reported on to create targeted offers. Fulfillment of the targeted offers may be conditioned on validating that the actual spend upon the accounts in the set match a predetermined threshold.

Systems and methods for an intermediary to manage a point exchange across a plurality of different reward programs and across a plurality of users (e.g., disparate retailers as well as disparate consumers) are disclosed. One method receives a plurality of first reward program points from an entity; each point having a monetary value for the date it was issued. A total monetary value of the plurality of first reward program points is determined. The total monetary value is exchanged into an equivalent value of an intermediary currency. The entity requests one or more second reward program points. A current value of each second reward program point is obtained and the equivalent value in the intermediary currency is determined. An amount of intermediary currency is exchanged for the one or more second reward program points. The one or more second reward program points are provided to the entity.

A point exchange system exchanges points which are different from one another, and includes: a conversion-parameter storage part configured to store a plurality of conversion parameters corresponding to a plurality of business types or business categories; a conversion-parameter setting unit configured to set a conversion parameter corresponding to the respective points by selecting the conversion parameter from the plurality of conversion parameters; a record-data acquisition unit configured to acquire record data corresponding to the conversion parameter set by the conversion-parameter setting unit; an equivalent-point conversion unit configured to convert the respective points to equivalent points on the basis of the record data acquired by the record-data acquisition unit; and an exchange unit configured to perform exchange on the basis of the equivalent points.

A system, method, and computer-readable medium are disclosed for performing a cross platform reward exchange marketplace operation, comprising: creating a cross platform rewards account; transferring rewards from a first entertainment system to the cross platform rewards account; determining an exchange market value for the rewards from the first entertainment system; performing an exchange transaction using the rewards, the cross platform reward trade marketplace operation enabling disparate entertainment platforms to exchange rewards.

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 a merchant confidence rating for a merchant using the device locations. Further, the one or more processors may be configured to, based on the 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 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.

Some examples described herein relate to computer interfaces and authentication protocols for securely linking and transferring content between online accounts. In one example, a system can provide a graphical user interface (GUI) with multiple interactive interface pages, through which a user can selectively transfer content from a first online account to a second online account. For example, the user can select to transfer points from the first online account to the second online account. The system can then transfer of the selected content from the first online account to the second online account. To perform this transfer, the system can employ multiple layers of authentication and other security mechanisms. For example, the system can employ two or more layers of authentication and a unique external identifier to perform the transfer. Following the transfer, the GUI can be updated to reflect the results of the transfer.