The present disclosure involves systems, software, and computer implemented methods for automatically modifying a financial product associated with a user, where the modified financial product is associated with an updated benefit at a partner system. One example method comprises receiving an indication of acceptance associated with a particular partner-related product for replacing a current product associated with a first customer. At least one term or condition associated with the particular partner-related product different than terms or conditions associated with the at least one current product are identified, including a change to at least one benefit associated with the partner system. The terms associated with the current product are modified without changing the unique identifier, and an indication of the at least one updated benefit associated with the partner system is transmitted to the partner system for immediate usage by the first customer.

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.

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.

According to one embodiment, a server device for a retail stamp card service includes a communication interface connectable to a network and a storage unit for storing electronic stamp cards for a plurality of purchasers and stamp issuance conditions for a plurality of stores. A processor of the server device is configured to acquire purchaser identification information and receipt data indicating details of a purchase by a purchaser at a store and determine, based on the receipt data, whether a stamp issuance condition has been satisfied. The processor then issues stamp data if the stamp issuance condition has been satisfied and updates stamp card data according to the issued stamp data. The stamp issuance conditions can be set on an individual store basis, a brand basis, or an operating company basis based on operator input to the server device.

A global combination payment system for use in commerce by users, the global combination payment system comprising: a combination payment platform adapted to provide users with an interface through which the users may interact with other users, such that to engage in commerce, make payments, and exchange goods and services; and a combination payment vehicle for use as a payment method, the combination payment vehicle comprising a plurality of distinct and separate funding sources that may be selectively combined to make a purchase, the plurality of funding sources being selectable from cash, credit card, debit card, payday loan, cryptocurrency holdings, merchant digital loyalty rewards, investment stock and bond holdings; wherein a total value of the plurality of funding sources defines a line of credit via which to make a payment; and wherein the users each have a user account within the combination payment platform for engaging in commerce.

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.

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.

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, system and computer program for enabling a loyalty system to be linked to one or more card issuers, cardholders, merchants, and thereby their cardholders. A system operable to create, implement and manage one or more loyalty programs that provide benefits to members of the loyalty programs in connection with transactions between the members and one or more merchants associated with the loyalty system. The method includes registering on the loyalty system one or more card issuers; one or more merchant acquirers associated with the one or more card issuers; a plurality of cardholders as members of the loyalty program. Establishing and applying rules for accrual and processing of benefits from the merchants to cardholders associated with the one or more card issuers in connection with transactions between the cardholders and the merchants with the loyalty system. Defining a rule based survey utility operable to issue surveys to members of the loyalty system on a transaction and non-transaction basis.

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.