A rewards management system is configured to facilitate the redemption of loyalty benefits at a financial institution and apply credits, payments, debits, and/or the like associated with the loyalty benefit to transactions that are characterized by a set of predetermined rules (e.g. an item purchased during a particular transaction, the merchant from whom the transaction originated, the vendor who manufactured the item). The system provides real-time management of the loyalty account so that the loyalty benefit can be used to offset the liability associated with a particular eligible transaction. The system may also be configured to allow a user to satisfy various obligations to the financial institution (e.g. a minimum payment associated with a statement from a transactions account). As such, the system allows the loyalty account provider or the financial institution to provide a customizable rewards program that allows loyalty benefits to be used for any type of transaction.

Providing rewards for purchases is disclosed. In some embodiments, electronic couponing data corresponding to an available reward offer for an item as well as an association of a loyalty identifier with the reward offer is provided to an electronic coupon processor; and in response to receiving an indication from the electronic coupon processor that the loyalty identifier was associated with a transaction in which the item was purchased, a user account is credited with a reward amount associated with the reward offer.

A computer-implemented method for providing account holders with a reward based on similar rewards previously obtained through other accounts. The method includes identifying, using one or more computer processors configured to access an account database, an eligible account based on eligibility criteria, wherein the eligible account is associated with an account of an account holder stored in the account database; receiving identifying data that identifies the eligible account; associating a customer identifier with the identifying data from the eligible account; for each customer identifier, receiving confirmation data associated with a separate account of the account holder, wherein the confirmation data comprises a reward variable; validating, using one or more computer processors, the confirmation data; and rewarding the eligible account with a matching variable, wherein the matching variable is approximately equal to the reward variable.

A method, including receiving, from a consumer, a client device identification though an application running in a client device, is provided. The method includes matching the client device identification with a loyalty card for a retail store, identifying a shopping history for consumer, associated with the retail store, in a database, based on the loyalty card, and requesting, through the application, an information from consumer, based on the shopping history. The method further includes verifying the identity of consumer when at least a portion of the information matches the shopping history associated with the retail store, for consumer, and providing an offer to consumer, through the application running in the client device, of a product in the retail store. A system and a non-transitory, computer readable medium storing instructions to perform the above method are also provided.

A computer-implemented method for providing account holders with a reward based on similar rewards previously obtained through other accounts. The method includes identifying, using one or more computer processors configured to access an account database, an eligible account based on eligibility criteria, wherein the eligible account is associated with an account of an account holder stored in the account database; receiving identifying data that identifies the eligible account; associating a customer identifier with the identifying data from the eligible account; for each customer identifier, receiving confirmation data associated with a separate account of the account holder, wherein the confirmation data comprises a reward variable; validating, using one or more computer processors, the confirmation data; and rewarding the eligible account with a matching variable, wherein the matching variable is approximately equal to the reward variable.

A device receives a first set of information that relates to bank accounts associated with users, and receives a second set of information that relates to loyalty credits associated with the users. The device receives a third set of information that relates to stored-value cards associated with the users, and trains a model based on the first, second, and third sets of information. The device receives, from a client device, a request for a transaction, and utilizes the trained model to generate recommendations. The device provides, to the client device, the recommendations and a request for transaction information, and receives, from the client device, the transaction information, where the transaction information includes account information, loyalty credits information, and stored-value card information. The device determines transaction terms based on the account information, the loyalty credits information, and the stored-value card information, and provides the transaction terms to the client device.

A blockchain-based loyalty point distribution system may be configured to provide decentralized loyalty IDs. The decentralized loyalty IDs may allow distribution of loyalty rewards in response to transaction-based events and non-transaction-based events, including behavioral interactions. The system may include a loyalty partner system that receives a rewards event from a customer. The loyalty partner system may determine a loyalty ID associated with the customer, and write the rewards event to the blockchain. A loyalty provider system may receive notification of the rewards event write and distribute the loyalty reward to the customer. The loyalty provider may instruct the loyalty partner to remit payment for the loyalty reward, and may update customer and loyalty partner balances on the blockchain.

A rewards management system is configured to facilitate the redemption of loyalty benefits at a financial institution and apply credits, payments, debits, and/or the like associated with the loyalty benefit to transactions that are characterized by a set of predetermined rules (e.g. an item purchased during a particular transaction, the merchant from whom the transaction originated, the vendor who manufactured the item). The system provides real-time management of the loyalty account so that the loyalty benefit can be used to offset the liability associated with a particular eligible transaction. The system may also be configured to allow a user to satisfy various obligations to the financial institution (e.g. a minimum payment associated with a statement from a transactions account). As such, the system allows the loyalty account provider or the financial institution to provide a customizable rewards program that allows loyalty benefits to be used for any type of transaction.

Systems, methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions. Aspects of such methods, systems, and data structures include providing at an electronic device, an output indicating that a dynamically-configured electronic token is in a transaction-ready state, where the dynamically-configured electronic token is associated with a plurality of loyalty accounts; in response to one or more signals providing information regarding a location of the electronic device, obtaining token data associated with a loyalty account of the plurality of loyalty accounts corresponding to the location of the electronic device; and via a data communication interface, route a token, generated from the token data, for processing at a transaction processing system.

Systems and methods for provision of discounts for combined transactions comprising, in an example, receiving first customer information of a customer for conducting a transaction (order for delivery) with a first merchant; determining, based at least in part on historical transaction data, that the first merchant and a second merchant are complementary; determining, based at least in part on determining that the merchants are complementary, to offer a discount to the customer for conducting the first transaction with the first merchant and a second transaction with the second merchant; causing presentation of the discount to the customer on a customer device of the customer; receiving, from the customer device, a request to conduct the second transaction with the second merchant; and processing at least one of a payment for the first transaction or a payment for the second transaction in accordance with the discount.