Distributed ledger-based loyalty reward points reconciliation platforms are disclosed. Embodiments may include a distributed ledger-supported platform that may enable multiple loyalty points/currencies to be distributed by multiple unaffiliated third-parties (e.g., partner merchants) in a transparent, automated way that facilitates adding loyalty points/miles to end customer loyalty accounts as well as settlement between the program provider and the partner merchant. This may be in exchange for some a fixed or per transaction fee for the program provider. The platform may further facilitate the “burning,” or using, of points by reversing the transaction flow and deducting points from the customer loyalty account.

Computer systems and methods for interfacing with a third party website, comprising determining that a webpage of the third party website is being output in an interface of a web browser, and in response, generating an interface element that at least partially overlaps the webpage in the interface. The interface element includes a user-selectable graphical trigger that, when selected, causes digital codes to be automatically input into a data entry interface identified in the webpage, thereby triggering the third party website to receive each of the digital codes and to return a respective response. Based on monitoring the respective response to each of the digital codes, a particular digital code is identified that causes a greatest change in a numerical value displayed in the webpage. The particular digital code is applied to obtain a resulting numerical value that is displayed in the webpage.

A method, system and computer program for providing a loyalty engine for automated cause marketing. The method can include a charity linking merchants and sponsors to the loyalty system. Once the merchants and the sponsors are linked and the members are registered merchant defined rules can instruct a loyalty engine as to the level of donations in connection with one or more transactions by a member that is associated to the loyalty program. The loyalty system can include a reporting facility to allow the merchant to track transactions with members in a number of ways. A system is also provided that can consist of a server including the loyalty engine and a charity utility. The charity utility can provide the functions of the method and can be linked to the networked server.

The present invention teaches a system, method and computer program for enabling local or regional merchants to participate in an automated cause marketing (ACM) program using mobile devices. The ACM program that may provide benefits to several parties involved in fundraising for one or more supported organizations, including one or more supported organizations, advertising providers, merchants, and individuals. Merchants are able to access enhanced analytics regarding their transactions with members and non-members of the ACM program and can use these enhanced analytics to realize an increased number of or revenue from transactions with members. The present invention also teaches a system and method for enabling advertising providers to acquire and analyze data associated with consumers-merchant transactions. The present invention provides the above features optimally using mobile devices. Furthermore, the present invention, may enable a member to disseminate its charitable preferences and contribution notifications to members of its electronic social networks.

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.

Herein disclosed are systems and methods for distributing fractional equity rewards to users of a loyalty platform based on tracked user loyalty purchases. The disclosed systems and methods may reduce time between a user loyalty purchase and distribution of a fractional equity reward determined based on the user loyalty purchase. In one example, by maintaining a pre-purchased supply of shares within an inventory account of the loyalty platform, and by distributing fractional equity rewards to user accounts on the loyalty platform from the pre-purchased supply, a reduction in reward distribution time may be enabled. Further, by maintaining the pre-purchased supply of shares of stock within the inventory based on a running average rate of fractional equity reward distribution, and predicted events, the amount of stock in the inventory may be intelligently controlled to reduce excess inventory, while reducing a probability of reward distribution delay.

An automated, dynamic digital financial management tool is described herein. The financial management tool enables a user to access all forms of payments, debt and transactions to be deducted automatically depending on which form of payment is chosen. The financial management tool documents every item/service purchased. The documentation enables a company/manufacturer/store to provide marketing and recall information to the user. The financial management tool is able to include any and/or all financial aspects of a user's life. The financial management tool is able to be implemented using a universal card. The financial management tool is able to include a pay station to receive payments. The financial management tool is able to include automated services. An automated, dynamic health management system is also described herein.

Systems and methods for tracking transactions across multiple payment processing networks, wherein the system is operable to, in one embodiment, receive at least one real-time purchase record and match elements of the real-time purchase record to a consumer profile, wherein the system is operable to provide financing offers, incentives, and rewards based on the matching and the at least one real-time purchase record.

A system and method is provided for delivering customized information related to a specific product of interest to consumer. In practice, the consumer uses a suitably enabled portable, mobile and/or wireless device (e.g., such as a mobile camera phone) to scan or otherwise read a marker associated with a product, retail item or other article of interest. From the marker, a unique ID is obtained (i.e., the marker ID). The marker ID is then used to cross-reference a URL or other like address in a database that relates marker IDs to corresponding URLs. The target URL is returned to the consumer's device and an http session is established with a content management server at the target URL. In one suitable embodiment, the content management server obtains a SKU and/or template web page ID that are associated with the marker ID in a database. Suitably, the SKU relates to the specific product with which the marker was associated. Having in this way determined the actual specific product of interest to the consumer, customized information related thereto can be delivered to the consumer's device, e.g., via a web page optimized for the identified device. Optionally, the web page content and/or template is obtained from a database that associates the same with the template web page ID received by the content management server.

A personalized advertisement and checkout system and method for generating personalized merchant advertisements to specific device users includes a communications network, an advertisement system, at least one merchant administrator operable by a respective merchant user, at least one partner system and at least one user device operable by a respective device user. Each of the advertisement system, the merchant administrator, the partner system and the user device includes a processor and a memory in communication with the processor. Each of the merchant administrator and the user device includes a display and a user interface, the user interface of the merchant administrator receiving input from the respective merchant user and the user interface of the user device receiving input from the respective device user. The advertisement system ranks merchant campaigns entered by the merchant users and generates a list of merchant offer advertisements that is displayed on the user device.