Systems and methods are disclosed for executing an electronic transaction using a digital wallet. One method includes receiving an express checkout request and electronic transaction data from an electronic transaction browser. The digital wallet system may determine whether a user is enrolled in the digital wallet system. The digital wallet system may transmit a verification request to the electronic transaction browser upon determining the user is enrolled in the digital wallet system. The digital wallet system may receive a verification response from the electronic transaction browser. The digital wallet system may generate a graphical interface including predetermined user data. The digital wallet system may complete an electronic transaction based on the user response.

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.

An ecommerce platform, available via an interactive electronic resource, allows a user to purchase products and services from the resource, receive promotional-valued credits in return for the purchase, and play games to earn additional promotional-valued credits. The user can purchase products and services at the electronic resource with either or both of a government-issued legal tender, such as the U.S. dollar, or a virtual currency used by the electronic resource, such as the promotional-valued credits. In embodiments of the invention, the user is guaranteed that an amount of legal tender (e.g., the U.S. dollar) paid-in to the ecommerce platform is the same as or less than a fair market value of the products or services purchased via the ecommerce platform.

A device may obtain customer data, associated with a customer identifier, that includes an indication of a recency of a past purchase, a frequency of past purchases, and/or a monetary value associated with past purchases by a customer associated with the customer identifier. The device may determine, based on comparing the customer data and aggregate customer data, a first score that predicts a current measure of loyalty associated with the customer, and may predict, based on the first score, a predicted frequency of future purchases by the customer and a predicted monetary value associated with the future purchases, to determine a second score that predicts a future measure of loyalty associated with the customer. The device may compare the first score and the second score to determine a risk level associated with the customer, and may cause an action to be performed based on determining the risk level.

A computer-implemented method comprises determining an amount of loyalty points stored in a loyalty points account; receiving, from a computing device, a signal indicating selection of one or more items to be monitored; monitoring a purchase price of the one or more selected items and the amount of loyalty points stored in the loyalty points account; determining that a difference between the purchase price of the one or more selected items and the amount of loyalty points drops below a threshold; and responsive to determining that the difference between the purchase price of the one or more selected items and the amount of loyalty points drops below the threshold, sending, to the computing device, a signal causing the computing device to display a notification that includes a selectable option to apply the loyalty points to offset the purchase price.

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.

The disclosed embodiments provide systems, methods, and techniques for managing merchandising cards. A merchandising card may be, for example, a gift card, loyalty card, or the like. Consistent disclosed embodiments, a system for managing merchandising cards may include one or more memory devices storing instructions and one or more processors configured to acquire, from a device over a network, a plurality of locations associated with the device, the device locations being acquired at different instances in time within a predetermined period of time. Additionally, the one or more processors may be configured to calculate an overall merchant confidence rating for a merchant using the device locations. Further, the one or more processors may be configured to, based on the overall merchant confidence rating, determine that the merchant matches a merchant that is associated with merchandising card, and send a reminder a user of the device.

Systems and methods for providing a payment messaging interface may include receiving, at a computing device comprising a processor, transaction information regarding the transaction. Once the transaction information is received, the transaction information may be translated into a data structure that corresponds to a payment processor. Once the transaction information has been translated, the data structure may be transmitted to the payment processor.

A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from at least one computing device associated with at least one contributing member, a signal including a request to transfer an amount of loyalty points from a loyalty point account of the at least one contributing member to a loyalty point account associated with a group; transfer the amount of loyalty points from a data record associated with the loyalty point account of the at least one contributing member to a data record associated with the loyalty point account associated with the group; receive, via the communications module and from the at least one computing device associated with the at least one contributing member, a signal including a booking request for one or more non-contributing members; and apply loyalty points from the loyalty point account associated with the group to offset a cost of the booking request for the one or more non-contributing members and complete the booking request.