Computer systems and methods for interacting with a webpage of a third party website to change a numerical value displayed in the webpage, comprising receiving digital codes and storing the digital codes in a local memory of a user device. When the webpage is output in a web browser interface, an interface element comprising a graphical trigger is generated and displayed in the web browser interface. In response to receiving a user selection of the graphical trigger, each of the digital codes are submitted to the third party website by simulating user entry of each digital code in the webpage. Based on the respective results of submitting the digital codes to the third party website, a particular digital code is identified that causes a greatest change in the numerical value. The particular digital code is then applied to obtain a resulting numerical value that is displayed in the webpage.

Systems and methods for invoking functions to cause a change in a displayed price provided for output in a third party website, comprising receiving data corresponding to one or more codes each associated with a respective promotion. In response to determining that a webpage of the third party website output in a web browser is associated with initiating a payment process with the third party website, an interface element is generated and presented in another interface of the web browser. When a user selection of the interface element is received, each of the codes is applied to a data entry interface in the webpage, and based on the respective outcomes of applying each of the codes, a particular code that results in a greatest change in the displayed price is identified. The particular code is then applied to obtain a resulting price that is displayed in the webpage.

Systems and methods are provided for providing gift card exchange opportunities to consumers. For example, a consumer may elect to trade registered gifts cards by selecting the gift cards to swap and indicating the value of the card to be swapped. Cards may be digitally swapped, for example, via a universal transaction card, or gift cards may be cancelled and replaced with one or more new cards and partial gift card values may be exchanged. The consumer may use a consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.

Embodiments of the present invention provide methods, systems, apparatuses, and computer program products for classifying merchants. In one embodiment a method is provided comprising providing, a first promotion specifying a redemption and a charge monetary values, the redemption monetary value being specified by redemption parameters of the first promotion and a value indicative of a total amount of funds purchased in response to accepting an instance of the first promotion, wherein the funds purchased can be redeemed for offerings of one or more merchants specified by the promotion, the charge monetary value being a monetary value charged for accepting the first promotion, and providing a first classification classifying the first promotion as a promotion having a redemption monetary value that may be used to purchase offerings of the one or more merchants over the course of multiple transactions.

A system for managing a loyalty reward program includes a server module configured to receive transaction requests from a plurality of merchant devices. Each transaction request includes transaction data comprising a customer identifier, a merchant identifier, a tender selection and an amount. A transaction processing module is operatively coupled with the server module and is configured to process the transaction data to identify a currency amount and at least one of a redemption amount as a function of the customer identifier and a reward amount as a function of the tender selection. A financial account access module is configured to access a financial account associated with the customer identifier and debit the currency amount from the financial account. Furthermore, a reward allocation module is configured to access a loyalty account associated with the customer identifier and apply a credit to the loyalty account based on the reward amount and the tender selection and apply a debit to the loyalty account based on the redemption amount.

Handling electronic coupons includes accessing information indicating association of an electronic coupon with an account of a user that identifies multiple retail entities associated with the user. Information indicating association of electronic coupons with the user's account may be transmitted to respective computer systems associated with the multiple retail entities. The computer systems may associate electronic coupons with the user such that the user may redeem the electronic coupons at a retail store upon presentation of a user identifier. When the user redeems an electronic coupon, cancellation information for the electronic coupon may be transmitted to the computer systems of other retail entities associated with the user. Receipt of the cancellation information may cause the respective computer systems to cancel the redeemability of the electronic coupon such that the user is prevented from redeeming the electronic coupon at a retail store associated with the corresponding retail entity.

A computing device for risk-based analysis of a payment card transaction is provided herein. The computing device includes a processor communicatively coupled to a memory. The computing device is programmed to receive a request for authentication of the payment card transaction. The payment card transaction includes a suspect consumer presenting a payment card from a digital wallet of a privileged cardholder. The computing device is also programmed to identify fraud feature data from the digital wallet. The computing device is further programmed to compute a fraud score for the payment card transaction based at least in part on the fraud feature data. The computing device is still further programmed to provide the fraud score for use during authentication of the suspect consumer.

The present disclosure involves systems, software, and computer implemented methods for automatically modifying a financial product associated with a user, where the modified financial product is associated with an updated benefit at a partner system. One example method comprises receiving an indication of acceptance associated with a particular partner-related product for replacing a current product associated with a first customer. At least one term or condition associated with the particular partner-related product different than terms or conditions associated with the at least one current product are identified, including a change to at least one benefit associated with the partner system. The terms associated with the current product are modified without changing the unique identifier, and an indication of the at least one updated benefit associated with the partner system is transmitted to the partner system for immediate usage by the first customer.

Systems, methods, and apparatuses for implementing commerce rewards across tenants for commerce cloud customers utilizing blockchain technologies in conjunction with a cloud based computing environment are described herein. For example, according to one embodiment there is a system having at least a processor and a memory therein executing within a host organization and having therein: means for operating a commerce cloud platform on behalf of a plurality of merchants, in which the commerce cloud platform provides at least customer payment processing on behalf of the plurality of merchants; receiving a first purchase transaction for an unknown customer from a first one of the plurality of merchants, in which the purchase transaction indicates transaction source information; creating a new global ID for the unknown customer and associating the purchase transaction and the transaction source information with the new global ID at the commerce cloud platform; allocating commerce rewards points to the unknown customer via the new global ID based on the first purchase transaction; receiving a second purchase transaction for the unknown customer from a second one of the plurality of merchants, in which the second purchase transaction indicates transaction source information for the second purchase transaction; prompting the unknown customer associated with the second purchase transaction to confirm they are associated with the first transaction based on at least a partial matching of the transaction source information associated with the first and second purchase transactions; and inviting the unknown customer to participate in a commerce rewards program to redeem the commerce rewards points. Other related embodiments are disclosed.

A system for managing multiple loyalty accounts, the system including one or more processing devices that receive a request indicative of a merchant and a user identifier, use the user identifier to obtain loyalty point data indicative of at least a points balance for each of multiple user loyalty accounts, use the merchant identifier to determine a merchant loyalty program for which the merchant can redeem loyalty points, calculate a points amount with the loyalty point data, the merchant loyalty program, and one or more rules, the one or more rules being at least partially indicative of conversion rates between loyalty programs, and at least one of provide a points indication indicative of the points amount to allow the points amount to be presented to the user, and cause points to be redeemed at least partially to allow a transaction to be selectively performed.