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.

A method of managing points is disclosed. Operations stored in a computer program for processing the method may include: receiving user information from at least one of a merchant server and a user terminal; receiving payment information and a point commission limit from the merchant server; receiving total point information including at least one of point information based on the user information, the amount of points held for each of the point information, and a point commission rate for each of the point information from each of one or more point servers; calculating a use point amount by payment point information that is at least a part of the total point information based on the point commission limit; and transmitting a payment request based on the use point amount by payment point information to each of the one or more point servers.

A server 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 monitor an active webpage associated with a web browser executing on a computing device; determine that the active webpage associated with the web browser meets predetermined criteria, the predetermined criteria including determining that the active webpage is found in a whitelist; and in response to determining that the active webpage meets the predetermined criteria, send, via the communications module and to the computing device, a signal causing the computing device to display an indicator indicating an option to apply loyalty points to offset a purchase price.

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 during an active web session within a web browser executing on a computing device determine that a web page active within the web browser is eligible for loyalty point redemption; and send, via the communications module and to the computing device, a signal to modify the web page active within the web browser to display at least one selectable option associated with offsetting a purchase price of at least one item using loyalty points from a loyalty points account.

An example system includes an e-commerce platform to: detect a predictor of a purchase of an item by a customer on an e-storefront serviced by the e-commerce platform; and a loyalty rewards system in communication with the e-commerce platform, the loyalty rewards system to: receive, from the e-commerce platform, a customer identifier identifying the customer; determine, in response to detection of the predictor, whether a point balance associated with the customer identifier satisfies a threshold condition; when the point balance satisfies the threshold condition, select a reward option; and send a preview including the reward option and a discounted price for the item computed based on the selected reward option for presentation to the customer at the e-commerce platform.

In some implementations, a device may detect that the web page is associated with an exchange associated with an entity. The device may transmit, to a server, web page information that identifies at least one of the entity associated with the web page, or an amount of the exchange associated with the entity. The device may receive, from the server, presentation information that identifies card information for one or more cards that are associated with the entity. Card information may identify information associated with resources associated with the card. The device may modify the document used to generate the web page based on the presentation information to cause the card information for the one or more cards to be provided for display via the web page. The device may display the web page based on modifying the document used to generate the web page.

A computer-implemented method includes receiving reward points associated with a first account and a second account held by a consumer from a first issuer computer system and a second issuer computer system. A first conversion factor is applied to convert the reward points for the first account into reward money, and a second conversion factor is applied to converted the reward points for the second account into reward money. The first conversion factor is received from the first issuer computer system, and the second conversion factor is received from the second issuer computer system. The reward money from the first account and the second account are combined to provide aggregated reward money. The consumer is presented with options for using the combined reward points of the first and second accounts for making purchases, donating to charities, or sharing with other consumers from a single, integrated platform.

The present disclosure involves systems, software, and computer implemented methods for automatically providing linking partner loyalty rewards accounts using authorized user and primary user information associated with an account. One example method includes authenticating a user at a partner system, and receiving from the user information associated with an account. The information associated with user's account is communicated to a financial institution system via an API where the user can then be verified as an authorized user on an account. The financial institution system then provides the partner system with information associated with the primary user of the account, and the partner system can link a loyalty account of the primary user with the loyalty account of the authenticated user.

An exemplary system, method, and computer-accessible medium for providing a financial account recommendation to person(s) can include receiving a transaction history for the person(s) associated with a first financial account, determining first rewards information based on the transaction history, accessing database(s) containing rewards rates for a plurality of second financial accounts, determining second rewards information for a particular second financial account of the plurality of second financial accounts based on the transaction history, and providing the financial account recommendation to the person(s) to one of (i) keep the first financial account or (ii) switch to the second financial account based on a comparison of the first rewards information to the second rewards information.

A method for linking alternative payment information with customer loyalty data includes obtaining a customer loyalty identifier associated with a customer, reading customer data from a database based on the obtained customer loyalty identifier, obtaining alternative payment information from the read customer data, determining whether payment by the alternative payment information is enabled for the customer loyalty identifier, prompting the customer to enable payment by the alternative payment information, prompting the customer for authorization information associated with payment by the alternative payment information, enabling payment by the alternative payment information for the customer loyalty identifier, and applying the alternative payment information to a current purchase of the customer.