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.

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.

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.

A method of managing points is disclosed. Operations stored in a computer program for processing the method may include: receiving user information from at least one of a merchant server and a user terminal; receiving payment information and a point commission limit from the merchant server; receiving total point information including at least one of point information based on the user information, the amount of points held for each of the point information, and a point commission rate for each of the point information from each of one or more point servers; calculating a use point amount by payment point information that is at least a part of the total point information based on the point commission limit; and transmitting a payment request based on the use point amount by payment point information to each of the one or more point servers.

An electronic device is disclosed that enables payment option selection by receiving a location of the electronic device from a location sensor and determines a retailer associated with the location. The electronic device stores a mobile wallet that in turn stores multiple payment options. The electronic device then determines discounts, rewards, or both, for the payment options, and compares the discounts, rewards, or both for the payment options to determine a recommended payment option. The electronic device enables selection of the recommended payment option to perform a transaction with the retailer, and performs the transaction using the recommended payment option in response to the selection of the recommended payment option.

A computer-implemented method includes receiving reward points associated with a first account and a second account held by a consumer from a first issuer computer system and a second issuer computer system. A first conversion factor is applied to convert the reward points for the first account into reward money, and a second conversion factor is applied to converted the reward points for the second account into reward money. The first conversion factor is received from the first issuer computer system, and the second conversion factor is received from the second issuer computer system. The reward money from the first account and the second account are combined to provide aggregated reward money. The consumer is presented with options for using the combined reward points of the first and second accounts for making purchases, donating to charities, or sharing with other consumers from a single, integrated platform.

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 method of facilitating concurrent blockchain transactions for a plurality of users in a transaction system having respective user blockchain accounts each having a token balance comprises providing, at a blockchain network, an aggregator account having a token balance; generating a plurality of child accounts of the aggregator account; periodically initiating, at the blockchain network, a plurality of top-up transactions to transfer tokens from the aggregator account to the plurality of child accounts; and concurrently incrementing the respective token balances for the plurality of users by initiating, at the blockchain network, a plurality of user top-up transactions to transfer tokens from the plurality of child accounts to the user blockchain accounts.

A loyalty system, loyalty tracking system, merchant multi-use loyalty system, merchant offering platform, loyalty sharing system, loyalty platform, sharing network platform, commercial incentivising system, and methods of use are presented. The present loyalty system provides for a system with many features including the ability to share loyalties earned with other users. Furthermore, the system provides for maintaining access to loyalties even if shared. The loyalty system provides for an incentive program. Furthermore, the present disclosure provides for various covid features enabling operation of restaurants and other merchants, and the like.

A method, system, and non-transitory computer-readable record medium for providing a reward through a reward account connected to a player. A reward providing method includes connecting, by processing circuitry, a plurality of reward accounts registered by a user on a player, the player being installed on an electronic device, determining, by the processing circuitry, an analysis result based on content playback information, the content playback information corresponding to content output through the player, and providing, by the processing circuitry, a reward through a first reward account among the plurality of reward accounts based on the analysis result, the reward corresponding to the content output through the player.