A user identity management platform is provided that manages user identity for an enterprise, such as a retail enterprise. In particular, a specific identity graph structure is provided that allows for flexible management and selection of user account information depending on the context in which that user account information is to be used. Confidence scores may be maintained for nodes and edges and probabilistic techniques associated with account activity may be used to improve confidence of association among nodes within a cluster representing a unique user.

A user identity management platform is provided that manages user identity for an enterprise, such as a retail enterprise. In particular, a specific identity graph structure is provided that allows for flexible management and selection of user account information depending on the context in which that user account information is to be used. Confidence scores may be maintained for nodes and edges and probabilistic techniques associated with account activity may be used to improve confidence of association among nodes within a cluster representing a unique user.

A user identity management platform is provided that manages user identity for an enterprise, such as a retail enterprise. In particular, a specific identity graph structure is provided that allows for flexible management and selection of user account information depending on the context in which that user account information is to be used. Confidence scores may be maintained for nodes and edges and probabilistic techniques associated with account activity may be used to improve confidence of association among nodes within a cluster representing a unique user.

A user identity management platform is provided that manages user identity for an enterprise, such as a retail enterprise. In particular, a specific identity graph structure is provided that allows for flexible management and selection of user account information depending on the context in which that user account information is to be used. Confidence scores may be maintained for nodes and edges and probabilistic techniques associated with account activity may be used to improve confidence of association among nodes within a cluster representing a unique user.

In a non-transitory computer-readable storage medium having instructions embodied therein that when executed cause a mobile device to perform a method for providing mobile loyalty services via a single native mobile application. The method comprises enabling browsing of retail items of a first party via the single native mobile application executing on the mobile device, wherein the browsing is not required to be web-based browsing, and wherein the native mobile application is provided by a second party. Mobile payment for the retail items are provided via the single native mobile application. Mobile marketing is provided to a user of the mobile device by the single native mobile application.

[Problem] To assist a user to use a card with which the user can receive a beneficial reward. [Solution] An information system including: a store information storage unit in which one or more pieces of store information are stored, each piece of store information including a store identifier that identifies a store, and two or more pieces of card information each including a card identifier that identifies a card that is available at the store and reward information regarding a reward that is to be gained when the card is used; a store specifying information accepting unit that accepts store specifying information that specifies a store at which a card is used; an owned-card specifying information acquisition unit that acquires owned-card specifying information that specifies two or more cards owned by a user; a reward-related information acquisition unit that uses two or more pieces of reward information included in card information regarding two or more cards corresponding to two or more pieces of card information included in store information regarding a store specified by the store specifying information, out of two or more cards specified by the owned-card specifying information, to acquire reward-related information related to reward information regarding two or more cards that the user can use at the store; and a reward-related information output unit that outputs the reward-related information.

In accordance with an embodiment, a point card integration apparatus comprises a reading module configured to read an integration source point card and an integration object point card; an acquiring module configured to acquire retained points stored respectively in association with the integration source point card and the integration object point card read by the reading module; a calculation module configured to calculate a total point obtained by adding up the retained point of the integration source point card and the retained point of the integration object point card which are acquired by the acquiring module; and an update module configured to update the retained point associated with the integration object point card to the total point, and then to set the retained point associated with the integration source point card to zero point.

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.

An electronic payment card processing system and method includes a host computing device having at least one processor in communication with a memory device and a multi-party payment processing network for processing payment-by-card transactions. The host computing device is configured to identify a first payment-by-card transaction between an enrolled cardholder and a first enrolled merchant that is processed over the multi-party payment processing network, identify at least one affiliated merchant of the first enrolled merchant; and send an affiliate incentive offer for the at least one affiliated merchant to the enrolled cardholder.

A method to control advertising messages directed at a user is provided. Such control might include setting a filter to control advertisements directed at a user. Advertisements are sent to a user based on the filter settings. The user may accept the advertisements. If the user accepts the advertisements, the user is provided with a reward. In addition, a method using a quiz to determine if a user is human or an automated respondent is provided. The user is presented with a quiz. The user is advised of the acceptable manner for responding to the quiz. The user's response to the quiz is received. A determination based on the user's response as to whether the user is a human or an automated respondent is made.