This disclosure provides a loyalty program on a network-wide level. Embodiments may associate UPC and SKU data on a network level to reward consumers and/or to analyze the data for a variety of business purposes, such as market segmentation analyzes and/or analyzes relating to consumer spending behaviors or patterns, for example. In accordance with one embodiment, the network may comprise any number of participants, including consumers (such as primary and supplementary members of an aggregate consumer account), retailers (e.g. including any of their employees), manufacturers, third-party providers, and the like. In accordance with one embodiment, this disclosure enables participation by supplementary members who are associated with a primary member and, in this manner, facilitates the tracking of supplementary member purchasing behavior, reward points earning behavior, and reward points redemption behavior.

An electronic record related to a first transaction of a user can be received at a point-of-sale device. A user interface with real-time transaction data can be generated and displayed on the user device. An eligibility of the first transaction for a reward program can be determined. A portion of the reward program based on said determined eligibility can be selected and the electronic record of the first transaction can be updated by modifying the real-time transaction data currently displayed within the UI.

Methods, systems, and apparatus, including computer programs encoded on computer storage media, for determining a plurality of context-based subscription products in a ride-hailing platform are described. An exemplary method may include: determining a plurality of transportation contexts to which a plurality of context-based subscription products are applicable; obtaining a plurality of historical trip-requesting sessions between a plurality of riders and the ride-hailing platform, and a plurality of historical subscription products offered to the plurality of riders; constructing at least one key performance indicator (KPI) model that predicts a reward for the ride-hailing platform offering the plurality of context-based subscription products to the plurality of riders; constructing an optimization model to maximize a weighted sum of the at least one KPI model; and determining optimal values of the plurality of parameter vectors corresponding to the plurality of context-based subscription products.

A method of incentivizing secure transactions that includes receiving future travel location data and future travel time data. The method includes determining bonus multiplier information based on the travel details, where the bonus multiplier information is indicative of a bonus multiplier. The method includes transmitting the bonus multiplier information to a user computing device. The method includes receiving a transaction authorization request associated with a transaction. The transaction authorization request includes transaction location data and transaction time data, and the transaction authorization request includes a transaction amount. The method includes verifying that the transaction location data matches the travel location data and that the transaction time data matches the travel time data. The method includes transmitting an authorization response via the payment network and determining a new rewards points amount by applying the bonus multiplier to the transaction amount.

Various embodiments describe approaches for maximizing rewards associated with financial accounts for at least one user-defined goal (e.g., a travel benefit, a cashback benefit, a flight benefit, a hotel benefit, a charitable contribution benefit, a return benefit, etc.) For example, a user may submit a request for a portfolio of accounts (e.g., credit card accounts, checking accounts, savings accounts, a combination thereof) to achieve specific goals within a specified time given the user's spending habits, the number of credit card accounts desired, etc. Financial transaction information, reward program terms, banking institution policies, and the like can be obtained and analyzed to determine and present the portfolio of accounts, timing guidelines, and spending guidelines can be generated. Thereafter, rewards earned from purchases of goods and/or services made in accordance with the timing and spending guidelines maximize the rewards earned towards the user's goal for the specified period of time.

A system for associating a data collector with a network account includes a first computing device to collect data associated with the use of a number of object devices on a network. The first computing device creates a network account associated with a second computing device, and the first computing device assigns a filename to a data collector data packet. The filename includes information related to the network account associated with the second computing device. The information related to the network account is embedded within binary code of the data collector data packet.

There are provided a point management system and a point management method allowing effective use of points acquired by a customer, etc., and prevention of a waste in points. Therefore, exchange for various points or points having acquired a digital ticket is possible, exchange using foreign currency is possible, and the number of points desired to be traded for each type of currency, and a rate as a standard for exchange of each type of currency to one point are displayed on an exchanging currency selection screen. A standard number of points converted to one US dollar, one European euro, and one Chinese yuan, for example, is displayed, making it easy to understand transaction conditions under succeeding sales transaction status. Moreover, for example, point exchange conditions are displayed as a list and confirmed, thereby allowing specification of one's own exchange conditions, and allowing exchange of points etc. based on specification of accepted exchange conditions.

Methods, systems, and apparatus, including computer programs encoded on computer storage media, for determining a plurality of context-based subscription products in a ride-hailing platform are described. An exemplary method may include: determining a plurality of transportation contexts to which a plurality of context-based subscription products are applicable; obtaining a plurality of historical trip-requesting sessions between a plurality of riders and the ride-hailing platform, and a plurality of historical subscription products offered to the plurality of riders; constructing at least one key performance indicator (KPI) model that predicts a reward for the ride-hailing platform offering the plurality of context-based subscription products to the plurality of riders; constructing an optimization model to maximize a weighted sum of the at least one KPI model; and determining optimal values of the plurality of parameter vectors corresponding to the plurality of context-based subscription products.

The present disclosure relates to an offer redemption method and system. The offer redemption method includes receiving a user interactive value corresponding to a user interaction level with an external game device; receiving a transaction amount corresponding to a transaction amount made by a user with a merchant; determining an offer value corresponding to the user interaction value, transmitting an authorization request message for receiving authorization response from an authorizing entity, receiving an authorization response for the transmitted authorization request message; and displaying the authorization response and an offer redemption status on a display module of the access device.

Cloud systems executing method operations for communicating with connected vehicles of users having user accounts with the cloud system are provided. In one example, a method includes receiving discounts published by merchants for presentation to a network of charging units (CUs), each of the CUs being associated to a geo-location. The method also includes receiving an identification of an electric vehicle that is associated to a user account. The identification of the electric vehicle is received when the electric vehicle has parked over a charging pad of a particular CU, and the charging pad is at a geo-location of the particular CU. The method also includes identifying at least one discount to be presented to a device of the electric vehicle. The identifying is a result of filtering discounts based on user preferences associated with the user account and a proximity of a merchant location to the particular CU having the charging pad over which the vehicle has parked. The method further includes sending the at least one discount to the device of the electric vehicle upon determining use of the charging pad by the electric vehicle. The device of the vehicle can be electronics and displays of the vehicle, a portable device like a smartphone or watch, or a connected device.