An ecommerce platform, available via an interactive electronic resource, allows a user to purchase products and services from the resource, receive promotional-valued credits in return for the purchase, and play games to earn additional promotional-valued credits. The user can purchase products and services at the electronic resource with either or both of a government-issued legal tender, such as the U.S. dollar, or a virtual currency used by the electronic resource, such as the promotional-valued credits. In embodiments of the invention, the user is guaranteed that an amount of legal tender (e.g., the U.S. dollar) paid-in to the ecommerce platform is the same as or less than a fair market value of the products or services purchased via the ecommerce platform.

A method is provided that includes prompting a consumer to input an authentication credential in a network application to access an account in a server, the network application operating in a client device. The method also includes validating the authentication credential in a database and providing, for display by the network application in the client device, a personalized consumer item, the personalized consumer item associated with the account in the server. The method also includes receiving, from the network application in the client device, a print request from the consumer for a selected portion of the personalized consumer item and transmitting a print command to a printer for printing the selected portion of the personalized consumer item. A system to perform the above method is also provided.

A transaction appliance is located within a retail fueling station environment. Presence of a consumer vehicle at a fuel dispenser is detected and the transaction appliance transmits a transaction trigger to a transaction server located remotely outside the retail fueling station environment. The transaction server responsively invokes personalized consumer data associated with the transaction trigger including advertising and promotions for purchasing products and services from a vendor. The personalized transaction data is provided to the consumer by way of the transaction appliance and a fuel dispenser user interface during the time the consumer is dispensing fuel.

A system and method for providing location based services for user-fee chargeable facilities is provided. The invention provides for detecting location, and offering and charging for usage of user-fee chargeable facilities. The invention further provides a convenient and common platform for offering user-fee chargeable services from different organizations. Furthermore, the invention provides a system and method that facilitates payment of fees through multiple payment channels, provides opportunities for using accumulated loyalty points in lieu of payments, availing personalized discounts and/or offers in lieu of financial payments and provides options for sharing the payment of fees between multiple users. The invention also provides a system and method that helps facility owners and operators and third party partners to reduce costs and increase revenue leveraging location-based services.

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.

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 method for determining customer lifetime value using an incentive system to provide for geographically limited rewards earned for transactions includes tracking payment card transactions between enrolled payment cardholders and enrolled merchants, creating a database of rewards eligible transactions, instructing a virtual payment card issuer to apply the rewards amount for each rewards eligible transaction to an account, receiving transaction authorization requests from the virtual payment card issuer corresponding to enrolled cardholders requesting to spend rewards within their corresponding account, if the transaction is occurring within a prescribed geographic area in which rewards can be spent, transmitting an authorization for the virtual card issuer to complete the transaction using the rewards, establishing a cohort of enrolled payment cardholders and associated transaction data, and calculating a custom lifetime value for the enrolled payment cardholders within the cohort, the calculation based on the transaction data acquired by the incentive management system.

A loyalty system, loyalty tracking system, merchant multi-use loyalty system, merchant offering platform, loyalty sharing system, loyalty platform, sharing network platform, commercial incentivising system, and methods of use are presented. The present loyalty system provides for a system with many features including the ability to share loyalties earned with other users. Furthermore, the system provides for maintaining access to loyalties even if shared. The loyalty system provides for an incentive program. Furthermore, the present disclosure provides for various covid features enabling operation of restaurants and other merchants, and the like.

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.

Systems, methods, and apparatuses for performing a pay with points rewards transaction are described herein. A customer of a financial institution having a rewards account associated with a payment account can provide parameters for future transactions that are to be paid with points instead of charged to the payment account. To designate the future transaction as a rewards transaction, the customer sets rewards transaction parameters (e.g., via a mobile banking application, via an online banking portal, via a telephone system associated with the financial institution, etc.). After setting the rewards transaction parameters, the financial institution identifies a purchase request that matches the rewards transaction parameters and processes the transaction as a rewards transaction.