Techniques described herein include a platform and process enabling an electronic appliance to locally store payment credentials, loyalty point information, receive price comparison information for an item, redeem rewards or loyalty points to determine a best offer for the item, and enable delivery of said item to a user with minimal user interaction. In some embodiments, an electronic appliance can receive a query for offers for an item, receive order information from a plurality of merchants about the item, and apply loyalty points to determine an offer for the item. Upon receiving confirmation the electronic appliance may transmit access credentials for ordering the item for delivery and updating the loyalty point information for the account utilized to purchase the item from the determined offer.

Embodiments of the invention are directed to a system, method, or computer program product for passive resource instant translation. The invention receives input from a user via a communicable linkage between the user and the user's passive resource collection account. Passive resources are instantly translated to resources ready for use according to a passive resource to active resource translation ratio. The converted passive resources are stored in a converted passive resource account. The invention may then identify a user request for transfer of active resources and prompt the user to select a resource account to fulfill the user request. The invention may then release active resources based on user request and input.

A graphical user interface (GUI) has dynamically changing user-selectable graphical tiles that automatically reorder in closest-to-farthest order based on a real-time location of an electronic computing device having a location tracking device. Physical entities near the device are displayed on the GUI. As the location of the device changes, the list dynamically changes in real time by reordering display of the tiles on the GUI so that a closest of the physical entities is displayed topmost. A points balance associated with a user of the electronic computing device is displayed. A window is displayed in response to triggering events. The user can select one of the tiles, or the device can come within a minimum threshold distance. In response to a selection or user input, an exchange value is received from an external computer server corresponding to a number of points. An electronic transaction is facilitated using the exchanged points.

A transaction system and method, for use at merchant premises and which includes an electronic cash register (182, 54) and a scanning device (184, 60). The scanning device (184, 60) optically scans a customer code (198) on a user device (48), such as a user's smart phone (148). The customer code (198) is processed (188) using a plurality of keys to produce a plurality of processing tokens (181, 183,185), such as a financial processing token and a loyalty program token. These tokens can then be used to initiate multiple actions, such as transaction payment and loyalty program actions, from a single scan (184) of the customer code (198). The processing tokens (181, 183, 185,) may be provided to respective token vaults (192, 194, 196) for conversion to respective account numbers, e.g. for a financial account and a loyalty program account.

Systems and methods for golf course tee time booking, score tracking, and customer relationship management are disclosed in near real-time. The system may be used for administering a loyalty program whereby loyalty points are earned and automatically redeemable for future purchases at golf courses, and for providing rate integrity. For example, the price in dollars for a deal (and the associated fees and taxes) is automatically converted into a point value which is displayed as the purchase price for the deal instead of the dollar amount. The system may be used for automated score tracking for individual rounds of golf, tournaments or leagues. The disclosed system can agglomerate tee time booking and score tracking for individual golf courses or associations of affiliated courses thereby providing customers with a centralized booking system and loyalty program.

During a transaction, a user may wish to determine if there are benefits available to the user, which may be applicable to the transaction with a resource provider. An application on the user device receives and transmits a resource provider identifier of the resource provider to a server computer. The server computer may identify a remote processor associated with the resource provider, and communicate with the remote processor to identify one or more benefits applicable to the transaction. The server computer may send the applicable benefit(s) to the application on the user device. The user may select one or more of the applicable benefits, and transmit the selection to the server computer, which may initiate processing of the transaction in view of the selected benefits.

Systems and tools for sharing medical costs between prospective patients seeking treatment, and existing patients of a medical network. Prospective patients may actively query medical costs for specific conditions and treatments for the specific conditions previously experienced by existing patients. Existing patients contributing to the documents accessible by the medical network may upload anonymous versions of EOBs, medical bills and medical documents to the medical network in exchange for rewards. The prospective patients may communicate and query the desired information using natural language inputs to instruct a client computing system to search the medical network for relevant treatment information. The prospective patient may use natural language commands or other inputs to filter the query results by condition, location, cost, quality of service, service provider, insurance provider, or any other parameter that may be detailed by the medical documents accessible through the medical network.

A virtual punch card rewards system is described. The system includes a user database that stores user information concerning a plurality of users, a network interface configured to communicate data over a network, and a processing circuit comprising a processor and memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive transaction information concerning a payment account belonging to a user, determine a reward category for the user based on the retrieved transaction information, generate virtual punch card parameters for the user based on the determined reward category, and transmit, by the network interface over the network, virtual punch card content to a computing device associated with the user, the virtual punch card content including a first graphical interface configured to present the user with at least one of the generated virtual punch card parameters.

Systems and methods for P2P transaction functionality include payment collection from a third party source. A system includes at least one processor and a storage medium storing instructions that, when executed by the one or more processors, cause the at least one processor to perform operations including receiving transaction information from a vendor where a card was used and analyzing the transaction information. The operations also include sending one or more requests for repayment to one or more P2P service systems, receiving repayment information, regarding one or more repayments, from the one or more P2P service systems and, based on the repayment information, applying the one or more repayments to the transaction performed on the card.

System and methods provide for a reward management system for prescribed treatment protocol. The methods and system provide an interface to remotely access, monitor and reward a patient/user for compliance to a prescribed medical treatment by providing reward points. The reward points can be redeemed by the patient for goods and services. The method collects the medical data of the patient using one or more medical devices. The captured medical data can be converted into events based on the medical data and user attributes. The events are transformed with a set of rules into reward points by implementing predefined rules. The reward points are converted into promissory notes, which can be redeemed for tangible goods and/or services.