A computing system is configured to receive location data from a wireless device of a user. Upon receiving a search request from the wireless device, the computing system utilizes the location data to determine one or more likely travel routes of the user of the wireless device. In response to the search request, the computing system may select one or more establishments based on the likely travel routes and location data associated with the one or more establishments. The computing system may further transmit to the wireless device information associated with the selected one or more establishments.

In an embodiment, a system and methods for updating rules, deadlines, and procedures in a community exchange system are provided. Users of the system, which may be contributors who update and introduce new triggering events and their associated rule and best practices deadlines and/or subscribers who use the system to calculate deadlines using the most up-to-date rule and best practice deadlines provided by the system, communicate with a server using their personal devices through a network or network(s). Contributors may receive rewards which may be converted into credit for use of the system to calculate deadlines or used for other purposes.

Systems for providing decentralized product and rewards delivery platform are provided. The system includes an asset management unit issuing a number of fungible tokens according to a number of products related to the company in a predetermined period of time provided by the company, and a blockchain platform which, when in operation, performs distributing the fungible tokens into wallets of users who purchase one of the products of the company from a platform; issuing drawing tickets to the wallets of the users who redeem the fungible tokens, where the drawing tickets are automatically entered into a rewards pool for drawing; drawing rewards in the rewards pool to determine winners from the users who have the drawing tickets, according to reward rules; and issuing the rewards using smart contracts and depositing the rewards into wallets of the winners. The winners redeem the rewards by claiming the drawing tickets in their wallets.

In general, intelligent fuel dispensers are provided. In at least some implementations, an intelligent fuel dispenser can determine customer identities and/or other characteristics and provide customized fueling sessions based on the determined customer identities and/or other characteristics. In at least some implementations, the fuel dispenser includes a touchless interface allowing customers to complete fueling sessions with minimal physical contact with the fuel dispenser.

Systems and methods are provided for enabling access to digital content based on geographic locations visited by mobile device users. One method includes receiving a promotion associated with premium digital content, access information, and one or more locations in which the premium digital content is accessible. The premium digital content includes restricted access content and the premium digital content is associated with open access content, determining one or more geo-fences based on the one or more locations, transmitting at least part of the promotion to one or more mobile devices, receiving a geographic location of the one or more mobile devices, determining whether the geographic location of the one or more mobile devices is within at least one of the one or more geo-fences, and transmitting, when the geographic location of the one or more mobile devices is determined to be within the one or more geo-fences, access information for the premium digital content to the one or more mobile devices within the one or more geo-fences.

Various embodiments are generally directed to utilizing an offline and/or online verification or authentication protocol to access, redeem, or otherwise utilize multiple loyalty points and loyalty accounts A method for utilizing various loyalty points includes: receiving, by an application executing on a processor, a request to redeem at least one loyalty point of a plurality of loyalty points of a loyalty points account, receiving, by the application, a cryptogram from a contactless card associated with an account, transmitting, by the application to a server, the cryptogram, determining, by the application based on a decryption result received from the server, that the server decrypted the cryptogram, and authorizing, by the application based on the determination that the server decrypted the cryptogram, the request to redeem the at least one loyalty point.

A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction. During the authorization and/or within a time window after the authorization, but before the settlement of the payment transaction, the user may provide a confirmation message that may accept, reject, or modify the redemption details. A transaction handler is configured to authorize and/or settle the payment transaction, as modified by the redemption details initially computed by the rule engine and subsequently confirmed, rejected or modified by the user via an optional confirmation message.

A method for facilitating transactions is provided. Various users register their payment modes to avail a payment mode interchange service offered by a server for online purchases. During registration, the users specify corresponding offer amounts in exchange for allowing purchases of other users to be performed by using their payment modes. When an offer on a purchase is not applicable on a payment mode of a first user, the first user is recommended by the server to make the purchase by using a payment mode of a second user on which the offer is applicable. The payment mode of the second user is charged with a purchase amount of the purchase and the offer amount specified by the second user is billed on the payment mode of the first user. The second user receives the offer amount and the first user receives an incentive associated with the offer.

A method for processing a transaction initiated using an electronic wallet application may include storing a virtual payment device configured to initiate a transaction. A rewards inquiry may be communicated to an issuer. A rewards inquiry response may be received from the issuer containing a rewards amount associated with the virtual payment device. The rewards amount may be displayed. A transaction may be initiated with a merchant using the virtual payment device. A redemption request may be communicated to the issuer. A redemption response including an updated rewards amount may be received from the issuer and include a difference between the rewards amount and the rewards amount applied toward the transaction. A system and computer program product are also disclosed.

A method for homogenizing payment transaction data acquisition from disparate merchant points of sale includes tracking payment card transactions between enrolled payment cardholders and enrolled merchants, based on the tracked payment card transactions creating a database of rewards eligible transactions, and querying the database of rewards eligible transactions and creating a homogenized transaction database including a specific set of transaction datums retrieved from the database of rewards eligible transactions, wherein the homogenized transaction database includes transaction, information from at least a first transaction involving a first merchant using a first point of sale system and a second transaction involving a second merchant using a second point of sale system, the first point of sale system and the second point of sale system differing from one another.