Using identifiers on user payment instruments to identify user loyalty accounts comprises a method to store a loyalty account list associated with a user, the loyalty account list comprising one or more user loyalty accounts; associate an identifier with the loyalty account list; receive information identifying a user loyalty account associated with a merchant, the information comprising an account number for the user loyalty account and an identity of the merchant; associate the user loyalty account with the loyalty account list; receive a request for information identifying a user loyalty account associated with a merchant, the request comprising the identifier received by the merchant from a user payment instrument and an identity of the merchant; determine the user loyalty account associated with the merchant; and provide the information identifying a user loyalty account associated with a merchant.

Techniques and arrangements for concurrent processing of payments to multiple merchants in a shared program are described. A method, performed by a service computing device, can include receiving customer information associated with two transactions of a customer with two respective merchants that are in a shared program. Accrued benefits of the customer for conducting the two transactions in accordance with the program can be determined. The accrued benefits can be communicated to the customer via a customer device. The payments for both transactions can be processed, concurrently, in accordance with the accrued benefits. In examples, the merchants may be associated in the shared program based on locations of the merchants, a type of merchant, and/or goods or services offered for sale by the merchants.

Embodiments of the invention are directed to a system, method, or computer program product for a universal auxiliary resources platform allowing access to, distribution of, and exchange of all user auxiliary resources. Converting or scaling the auxiliary resources across the platform occurs for similar value presentation. Thus allowing for transmission of auxiliary resources in real time to satisfy at least a portion of a standard resource transaction. Furthermore, the platform allows for the exchange of auxiliary resources across users based on user set term adjustment.

A reward management system combined with a global e-commerce network, wherein a marketplace is provided for various merchants, retailers, and consumers, and wherein any number of participants may utilize a universal rewards system and make transactions or fund crowdfunding campaigns within a single marketplace using currency, or points and bonus points accrued via the universal rewards system, and wherein the information related to transactions that take place within the reward management system and the global e-commerce network is secured and safely, stored in an isolated data storage system that stores the information in flash drives, wherein the flash drives receive the information, and are next autonomously moved from a computer connected to the global e-commerce network to an isolated offline computer via autonomous robotic arms.

A system and techniques are provided that enable an affinity pooling application executing on the mobile device and an aggregation of affinity reward programs. The affinity pooling application may enable a mobile device to enroll in the aggregation of affinity reward program. The enrollment with an affinity exchange server enables the mobile device to select affinity reward programs for participation and management by the affinity exchange server. The affinity exchange server may enable determination of an affinity reward exchange rate. Other examples and techniques are also disclosed.

In response to detecting a first purchase or a user activity by a user and corresponding to a first merchant, a computer system, updates a rewards amount associated with the user, the first merchant corresponding to a first rewards program. The computer system detects an initiation of a second purchase by the user, the purchase corresponding to a second merchant, wherein the second merchant does not correspond to the first rewards program. In response to detecting the initiation of the second purchase, the computer system causes an interface to be provided to the user, wherein the interface allows the first user to utilize at least a portion of the rewards amount for the second purchase. In response to receiving an input from the first user via the provided interface, the computer system processes a payment for the second purchase, utilizing at least a first portion of the rewards amount.

A method of management of loyalty identifiers. The method is implemented in a loyalty identifiers management server and includes a phase of initialization having an act of generating a general loyalty identifier for a preliminarily identified user, the general loyalty identifier being associated with a plurality of specific loyalty programs of the user. The proposed technique also relates to a method for processing loyalty data by a merchant's transaction device.

Systems and methods for tracking transactions across multiple payment processing networks, wherein the system is operable to, in one embodiment, receive at least one real-time purchase record and match elements of the real-time purchase record to a consumer profile, wherein the system is operable to provide financing offers, incentives, and rewards based on the matching and the at least one real-time purchase record.

A method, system and computer program for providing a loyalty engine for automated cause marketing. The method can include a charity linking merchants and sponsors to the loyalty system. Once the merchants and the sponsors are linked and the members are registered, merchant defined rules can instruct a loyalty engine as to the level of donations in connection with one or more transactions by a member that is associated to the loyalty program. The loyalty system can include a reporting facility to allow the merchant to track transactions with members in a number of ways. A system is also provided that can consist of a server including the loyalty engine and the charity utility. The charity utility can provide the functions of the method and can be linked to the networked server.

The present invention teaches a system, method and computer program for enabling local or regional merchants to participate in an automated cause marketing (ACM) program using mobile devices. The ACM program that may provide benefits to several parties involved in fundraising for one or more supported organizations, including one or more supported organizations, advertising providers, merchants, and individuals. Merchants are able to access enhanced analytics regarding their transactions with members and non-members of the ACM program and can use these enhanced analytics to realize an increased number of or revenue from transactions with members. The present invention also teaches a system and method for enabling advertising providers to acquire and analyze data associated with consumers-merchant transactions. The present invention provides the above features optimally using mobile devices. Furthermore, the present invention, may enable a member to disseminate its charitable preferences and contribution notifications to members of its electronic social networks.