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 system and method are provided for managing loyalty program accounts. The method is executed by a device and includes providing, from the device, access to a loyalty wallet application. The method also includes storing loyalty account information for a plurality of loyalty accounts in the loyalty wallet application and integrating a loyalty tracking application, operable from the device, with at least one transaction channel accessed via the device. The method also includes receiving transaction data from the at least one transaction channel; detecting, from the transaction data, that a transaction yet to be executed is eligible for a loyalty reward associated with one or more of the plurality of loyalty accounts; and modifying the transaction to use corresponding loyalty account information to obtain the loyalty reward. The method also includes enabling the modified transaction to be completed to obtain the loyalty reward.

A loyalty exclusive award personalization (LEAP) feature of a centralized travel benefit management system is disclosed. The loyalty exclusive award personalization (LEAP) feature of the centralized travel benefit management system comprises at least one processor communicatively coupled with a memory. The at least one processor is configured to receive a set of one or more travel benefits; store the one or more travel benefits in a centralized ledger; provide an access to a travel manager to assign the one or more travel benefits to the one or more travelers within an enterprise; combine the one or more travel benefits into a bundled benefit; determine, whether the at least one traveler is authorized to use the bundled benefit; send the bundled benefit to a merchandising system of the at least one travel supplier; determine whether the bundled benefit presented to the at least one traveler is redeemed by the at least one traveler; and update the centralized ledger in real time.