A network computer system records deposits to a donation funding account that is shared amongst a plurality of users. The donation funding account includes a total fund that is based on the recorded deposits for the plurality of users. The network computer system maintains an allocation profile for each of the plurality of users, where the allocation profile identifies, for each user, one or more user-selected organization recipients and an allocation of a portion of the total fund that is attributable to that user. In response to a given event, the network computer system automatically generates an output such as a donation acknowledgment report, based on the allocation profile specified by the respective user. The described by various examples, the output can be in the form of a visual representation and/or report.

Systems and methods for a merchant advertising platform for generating targeted advertisements to participants in a rewards program who are able to accumulate, manage, and redeem marketing incentives using a rewards platform. Users are able to designate at least one reward sub-account, and publish corresponding information such as purchasing preferences for the sub-account. The platform enables advertisers to view the published information, generate targeted advertisements based on the user's purchase preferences, and compete with other product and service providers for the user's business. The platform, therefore, has the potential to increase the value of the user's accumulated rewards through an open and competitive marketplace.

An exemplary system, method and computer-accessible medium can include receiving information regarding a purchase by a person, receiving financial account information regarding a financial account associated with the person that was used to fund the purchase, generating rewards information associated with the purchase, generating an authentication token(s) based on the financial account information, sending the rewards information and the authentication token(s) over a network, and receiving a confirmation, over the network, that a rewards account associated with the person has been updated.

A computer-implemented method includes: transmitting, by a mobile device, to a mobile wallet computer system, an indication that a user of the mobile device wishes to perform a mobile wallet transaction to transfer funds to a merchant; receiving, by the mobile device, an amount of merchant rewards that are available for the user to use at the merchant; displaying, by the mobile device, the amount of merchant rewards; receiving, by the mobile device, an indication that the user wishes to apply at least a portion of the available rewards to the transaction; and, transmitting, to a merchant computer system, the indication that the user wishes to apply at least a portion of the available rewards to the transaction. The merchant rewards are applied to the transaction prior to submitting the transaction to a card network computer system, and no physical rewards card is used to complete the transaction.

Systems and methods for product imaging and provisioning include a mobile application (app) installed on an imaging device, where the mobile app activates the imaging device to generate an image of a product tag associated with an unavailable product at a first location. The mobile app determines, based on the image, a product indicator associated with the unavailable product. A provisioning app, executing on a remote device, receives the product indicator associated with the unavailable product. The provisioning app also receives a user indicator associated with a first user and executes one or more product provisioning rules that determine, based on a product availability database and the user indicator, an availability result. The availability result indicates whether the unavailable product will be available to the first user. The provisioning app is further operable to send the availability result to the imaging device for presentation by the imaging device.

Methods and systems for processing trip-based insurance policies for vehicles. According to aspects, a trip-based insurance policy of a vehicle specifies an amount of trip units for insured vehicle travel and has an associated policy term. In certain cases, a customer may exhaust trip units before an expiration of the policy term. The methods and systems therefore enable the purchase of additional trip units so that the customer remains insured. In other cases, upon expiration of the policy term, an insurance provider may calculate an amount of unused trip units. The insurance provider may determine one or more types of credit that are based on the amount of unused trip units. The insurance provider may also apply the one or more types of credit to an account of the customer.

The use of reusable containers is coupled to merchant loyalty programs. Use of a reusable container by a customer in a transaction with a merchant earns benefits in the merchant's loyalty program to incentivize use of the reusable container. Each reusable container incorporates unique identity information. The unique identity information is associated with a customer. Used reusable containers can be exchanged for reprocessed or new reusable containers, and customer associations updated when containers are exchanged. Merchants associated with different corporate entities can participate together where reusable containers can be exchanged between different corporate entities.

A system and method are provided for integrating loyalty program partner systems with an enterprise system. The method includes providing a first application programming interface (API) between a loyalty platform and one or more loyalty partner systems, providing an inbound traffic service to the platform, to receive data from the one or more loyalty partner systems via the first API, providing a second API between the platform and at least one payment system configured to detect transactions, and providing an outbound traffic service from the platform, to communicate with the one or more loyalty partner systems via at least one communication channel. The method also includes configuring a plurality of microservices within the platform and orchestrating the plurality of microservices using data received via the inbound traffic service and/or transaction data detected via the second API to update a corresponding loyalty partner system via the outbound traffic service.

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.

A client device detects a QR code (or NFC tag). The client device decodes the QR code. The client device determines that the data encoded within the QR code includes a URL. Based on the URL, the client device sends a first request to a first server identified by the URL. In response to the first request, the client device receives from the first server data configured to cause the client device to display, to a user of the client device, at least one of: a video or an interactive web page. Responsive to the data encoded in the QR code, the client device sends to a coupon server: identification data associated with a user of the client device, and a request for the coupon server to distribute a digital coupon for an offer associated with an identifier encoded within the QR code to an account associated with the user.