Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the 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.

Loyalty programs can be operated within a payment processing system having multiple vendors, thereby providing access to detailed transaction data and with the flexibility for customization of the loyalty programs themselves, by establishing a communication for the transfer of data via a customer-facing channel. When the payment processing system processes a transaction between a merchant and an account holder, in addition to obtaining payment for the merchant from the account via an acquirer and an issuer, respectively, a transaction handler tabulates and stores different types of loyalty currencies in a loyalty reward account associated with the account holder if the account holder is enrolled in a loyalty program and criteria for applying the loyalty program are satisfied. The account holder is provided access to the loyalty account via the customer-facing channel.

A payment integrated loyalty system including a point of sale terminal comprising a card reader, a communication subsystem configured to wirelessly communicate with a payment instrument, and configured to communicate over a network with at least a first and second server. The payment integrated loyalty system includes a processor in communication with the communication subsystem and card reader, configured to receive, through the communication subsystem, a payment instrument identifier associated with the payment instrument, and obtain a fingerprint based on one-way encrypting the payment instrument identifier. The processor is further configured to receive, from the first server via the communication subsystem, a loyalty balance associated with the fingerprint and to complete the financial transaction based on an updated amount based on the loyalty balance.

A data extraction system for extracting a unique identifier from a plurality of different types of tokens, the data extraction system comprising a central processing system arranged to receive a data string representing an image of the token, the central processing system comprises: a data store of predetermined data records relating to the plurality of different types of token, each predetermined data record including a plurality of discrete features derived from an image of each type of token; a token type recognition module for identifying a type of token which the representation relates to, the recognition module comprising: a discrete feature identifier for iteratively identifying discrete features present in the representation; and a matching engine for iteratively comparing each of the identified features with each of the discrete features of the plurality of different types of token stored in the data store and registering each matched feature; wherein the recognition module is arranged to compare a current number of registered matched features of the representation with a predetermined number of minimum matched features and when the current number of registered matched features is at least equal to the at least the predetermined number of minimum matched features to determine which type of token the representation relates to; a data extractor for extracting at least one unique identifier of the token from the representation, wherein the data extractor is arranged to use the type of token identified by the token type recognition module to locate a region of the representation where the unique identifier is provided and to focus a data extraction process at that region.

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.

An online platform generates a playlist of clips of a lecture accessed by a plurality of users of the online platform. The online platform receives a recording of the lecture, and receives a plurality of events captured during a time period corresponding to the lecture. Each captured event is associated with a time stamp corresponding to a time at which a user performed an activity while listening to the lecture. The online platform clusters the captured events based on the time stamps, and generates one or more clips of the recording of the lecture from the clustered events. The online platform generates a playlist including the clips of the lecture.

The field of the invention relates to systems and methods for interfacing with a third party website. In one embodiment, a computer system is configured to directly interface with a website via a webpage to change certain numerical values through the use of digital codes. The digital codes are applied to a data entry interface on the webpage, and the responses are monitored and transmitted back to a server system.

Systems and methods are provided for offering loyalty rewards for transactions. One exemplary method includes associating, by a computing device, a merchant with a group of reward offerors, and associating, by the computing device, a consumer payment account with a group of reward offerees. The method also includes receiving, by the computing device, and advertising to the reward offerees, a reward offer from the merchant; receiving a transaction associated with the merchant and with the consumer payment account, and identifying, in a data structure, the merchant as a member of the group of reward offerors and the consumer payment account as associated with the group of reward offerees. The method then further includes, based on the advertised reward offer and on the identified merchant, updating, by the computing device, a loyalty reward account associated with the consumer payment account.

A method involves on-line viewing of a first article through a linking node for virtual merging on another structure. A particular application of the invention is directed to on-line apparel shopping involving a matching scheme using codes provided with images to be merged. For example, on-line viewing of one article, such as clothing, on another structure, includes creating an item from image-data corresponding to an article selected by an on-line viewer from an on-line viewer site with an image of a structure selected by the on-line viewer, and indicating whether the article and the structure satisfy a category-matching criterion. In certain embodiments, the articles are represented by (search) parameters that permit organizational advantages.

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.