Systems and methods are described for receiving behavior data associated with a plurality of users, generating a predictive model, receiving location data associated with the plurality of users, receiving service provider utilization data, determining, based on the predictive model, the location data, and the service provider utilization data, one or more recommended awards, transmitting to a subset of the plurality of users an offer to exchange a number of points to enter a drawing to win the one or more recommended awards, and receiving one or more requests to enter the drawing to win the one or more recommended awards in exchange for points.

A method, system and computer program for enabling a loyalty system to be linked to one or more card issuers, cardholders, merchants, and thereby their cardholders. A system operable to create, implement and manage one or more loyalty programs that provide benefits to members of the loyalty programs in connection with transactions between the members and one or more merchants associated with the loyalty system. The method includes registering on the loyalty system one or more card issuers; one or more merchant acquirers associated with the one or more card issuers; a plurality of cardholders as members of the loyalty program. Establishing and applying rules for accrual and processing of benefits from the merchants to cardholders associated with the one or more card issuers in connection with transactions between the cardholders and the merchants with the loyalty system. Defining a rule based survey utility operable to issue surveys to members of the loyalty system on a transaction and non-transaction basis.

Systems and methods for using token application programming interfaces are disclosed. According to an embodiment, a method for using token programming interfaces may include: (1) receiving, at an eligibility application programming interface (API), a token or a Digital Primary Account Number (DPAN) for a financial instrument from a merchant or a payment facilitator backend; (2) calling, by the eligibility API, a Funding Primary Account Number (FPAN) lookup API with the token or DPAN; (3) receiving, by the eligibility API, the FPAN for the token or DPAN from the FPAN lookup API; (4) generating, by the eligibility API, an issuer reference identifier for the FPAN; (5) storing, by the eligibility API, a mapping between the FPAN and the issuer reference identifier; and (6) communicating, by the eligibility API and via the eligibility API, the issuer reference identifier to the merchant or the payment facilitator backend.

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.

In some embodiments, a multi-tenant loyalty platform is provided for selective configuration of loyalty programs in a multi-tenant environment. An example platform comprises a processor and a memory storing instructions which, when executed by the processor, configure the multi-tenant loyalty platform to cause presentation, in a user interface, of loyalty program options to a first tenant in the multi-tenant environment, the user interface allowing the first tenant and the multi-tenant loyalty platform to collaborate in a program configuration flow on selected program options made by the first tenant; receive, via the user interface, from the first tenant, first order data relating to a selected program configuration, specific to the first tenant, of a first loyalty program to be implemented using the first order data, the first order data including a first set of attributes relating to the first loyalty program; cause presentation, in the user interface, of loyalty program options to a second tenant in the multi-tenant environment, the user interface allowing the second tenant and the multi-tenant loyalty platform to collaborate in a program configuration flow on selected program options made by the second tenant; receive, via the user interface; from the second tenant, second order data, different from the first order data, relating to a selected program configuration, specific to the second tenant, of a second loyalty program to be implemented using the second order data, the second order data including a second set of attributes relating to the second loyalty program: store the first and second order data in a loyalty program data structure that includes loyalty program rules specific to each of the first and second tenants and the respective first and second loyalty programs; configure the first and second loyalty programs using data stored in the loyalty program data structure; and implement the configured first and second loyalty programs at the multi-tenant loyalty platform.

In a server, a storage stores correlation information correlating a specific amount of print resources with a specific price. The computer instructs a printing device to execute printing, and acquires usage information for a user of the printing device from the printing device. A computer performs one of a first and second processes. The first process includes a process to determine a first variable rate which varies between the first usage state and the second usage state, and a process to award number of points calculated on the basis of the first variable rate and the specific price. The second process includes a process to determine a second variable rate which varies between the first usage state and the second usage state, and a process to provide the user with an amount of reward calculated on the basis of the second variable rate and the specific price.

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.

An automated teller machine (ATM) includes a network interface, an input/output device configured to exchange data with a customer, 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 account information identifying a credit account associated with the customer, transmit the account information identifying the credit account, receive reward information associated with the credit account, display a reward indication notifying the customer of reward information and providing the customer with an ability to indicate a preference to perform a currency reward withdrawal, receive data comprising an indication of the preference of the customer to perform the currency reward withdrawal, transmit a redemption request based on the indicated preference, receive a redemption request authorization, and dispense an amount of currency corresponding to an amount identified in the redemption request authorization.

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. 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 advantages optimally using a mobile device. Furthermore, the present invention, may enable a member to disseminate its charitable preferences to members of its electronic social networks.

Systems and methods for conducting person to person (P2P) transactions using points are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for person-to-person reward points gifting may include: (1) receiving, from a bank customer, a request to issue a reward points gift to a gift recipient, the request identifying gift recipient contact information for the gift recipient and a reward points amount; (2) sending a notification to the gift recipient contact information for the gift recipient to log in a gift recipient account to redeem the reward points gift; and (3) transferring the reward points amount to a gift recipient reward points account.