Systems and methods are described for providing an enhanced rebate and marketing program which may automatically enroll a consumer in a loyalty programs after the consumer completes rebate form; filter consumer information to provide to customer relationship management campaigns; capture real-time consumer responses to queries; provide real-time and dynamic, targeted offers and other communications to consumers and recipients; and provide bonus added value to consumer received rebates.

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.

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.

Embodiments of the present invention provide methods, systems, apparatuses, and computer program products for classifying merchants. In one embodiment a method is provided comprising providing, a first promotion specifying a redemption and a charge monetary values, the redemption monetary value being specified by redemption parameters of the first promotion and a value indicative of a total amount of funds purchased in response to accepting an instance of the first promotion, wherein the funds purchased can be redeemed for offerings of one or more merchants specified by the promotion, the charge monetary value being a monetary value charged for accepting the first promotion, and providing a first classification classifying the first promotion as a promotion having a redemption monetary value that may be used to purchase offerings of the one or more merchants over the course of multiple transactions.

Techniques and arrangements for generating multi-merchant loyalty programs and dynamically enrolling customers into a multi-merchant programs. The multi-merchant loyalty programs can be generated based on a determination that the merchants in respective programs are complementary, which may be done by determining that items offered for sale are complementary. One merchant can be associated with multiple multi-merchant programs. In some instances, a customer can be automatically enrolled in a multi-merchant loyalty program responsive to conducting a transaction with one of the merchants in the program. After enrollment, the customer can receive incentives to conduct transactions with the merchants in the program.

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 blockchain-based multi-merchant loyalty point partnership system may include a blockchain API host that is configured to generate a reward based at least in part on transaction data received from a web site. In one example, a system is configured to receive a loyalty account and transaction data for a completed purchase from a loyalty partner site. A partnership smart contract is executed to validate that the transaction data meets a purchase requirement parameter of the partnership smart contract. A transaction record is stored which indicates that the loyalty account has the transaction data for meeting the purchase requirement parameter. The transaction record is transmitted to consensus participants associated with the blockchain network.

A rewards system operator receives one or more files from a payment card processor containing payment card transaction information for qualifying payment card transactions made with linked payment cards at one or more merchants participating in a rewards program. The rewards system operator directly debits the merchants for any fees owed under the rewards program. The rewards system operator gives users of the linked payment cards a reward for making qualifying purchases under the rewards program.

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.

[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.