A reward card platform includes a database storing funding accounts, reward card purchase transactions, reward card brand options, and denomination options. The platform provides a user interface for purchasing reward cards from multiple third party suppliers. The user interface commits reward card purchase transactions using the funding accounts and specified reward card brand and denomination options. The platform obtains reward card items from supplier APIs corresponding to specified reward card brand and denomination options. The platform includes a buffer storing reward card inventory items. The platform also includes a provisioning module configured to: (i) select specified reward card inventory items to complete reward card purchase transactions when the specified reward card items are in the buffer; (ii) invoke a third party provider API to obtain reward card items when unavailable in the buffer; and (iii) replenish the buffer with the specified reward card items according to secondary supplier rate limits.

Systems and methods are disclosed for executing an electronic transaction using a digital wallet. One method includes receiving electronic transaction information from an electronic transaction browser. An account enrollment status may be determined based on the electronic transaction information by a digital wallet system. The digital wallet system may generate a verification request based on the account enrollment status. The digital wallet system may receive user verification information via the graphical interface. The digital wallet system may also generate or verify a user account in the digital wallet system based on the account enrollment status and the user verification information. In one aspect, the digital wallet system may receive a request to complete an electronic transaction based on the electronic transaction information received from the electronic transaction browser. In another aspect, the digital wallet system may generate a token based on the request to complete the electronic transaction.

Systems and methods are disclosed for executing an electronic transaction using a digital wallet. One method includes receiving a guest checkout request and electronic transaction data from an electronic transaction browser. Whether a user is enrolled in the digital wallet system may be determined by the digital wallet system. The digital wallet system may authorize an electronic transaction based on the electronic transaction data upon determining the user is not enrolled in the digital wallet system. The digital wallet system may initiate a digital wallet enrollment upon authorizing the electronic transaction. The digital wallet system may store the user data in the digital wallet system and transmit a verification request to the electronic transaction browser. The digital wallet system may receive a verification response from the electronic transaction browser and may generate a digital wallet enrollment status message based on the verification response.

A system and methods to mutually satisfy a consumer with a discount and a vendor with a minimum number of sales by establishing a tipping point associated with an offer for a good or service. If the tipping point is met, the sale of the good or service is executed and the consumer is charged and receives an indication of the discounted sale, such as a certificate. If the tipping point is not met, the discount offer is abandoned and the consumer is not charged. Once the tipping point is established, the vendor receives a payment, even before the consumer uses the certificate. The system and methods also include a reward or loyalty program, an exchange or secondary market for the purchased deals, and a matching algorithm that matches customers to relevant goods or services.

Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.

Disclosed herein includes a system and method for providing an online shopping platform. A memory may store a user's loyalty points for redemption. The platform may display lists of goods for sale provided by different merchants. A user may place a purchase order for a product offered by a first merchant. The purchase order may also include another product offered by a second merchant. The system and method may calculate a total cost of the purchase order. The system and method may deduct at least a portion of the loyalty points available in the user's loyalty account in exchange for a currency value. The system and method may reduce the cost of the purchase order by the currency value.

Provided herein are systems, methods, and computer readable storage media for facilitating registration of consumers in merchant rewards programs. In providing such functionality, the system can be configured to, for example, receive input of various consumer data, determine if the consumer data has already been registered in a rewards program, and if a consumer is not registered, facilitate the registration of the consumer in a merchant rewards program.

A merchant point-of-sale (“POS”) system architecture is provided. Systems and methods are provided for enabling an alternative processing network for a custom rewards transaction performed at a POS. A custom rewards transaction may be a transaction in which a customer opts-in to a merchant-funded rewards (MFR) program. Opting-in to the MFR program may terminate the customer's default enrollment in a conventional issuer-bank funded rewards program. Opting-in to the MFR program may also reroute the processing of the transaction from a conventional processing network to the alternative processing network. The alternative processing network may incur transaction fees to a merchant that are lower than the transaction fees of the conventional processing network.

A loyalty program management system associated with an enterprise location is provided. The loyalty program management system is programmed to: a) receive a plurality of input data associated with a plurality of patrons, wherein the plurality of input data represents actions of the plurality of patrons; b) determine a current location of a patron of the plurality of patrons, wherein the current location of the patron is not at the enterprise location; and c) transmit a message to a computer device associated with the patron including a prize to be awarded if the patron visits the enterprise location.

A merchandise information generation and management platform based on the crowd sourcing participation introduces a comprehensive merchandise information to display and present a product and/or service. The comprehensive merchandise information includes: the attribute information, the purchasing address, the copywriting information, the tag information, and combinations thereof. The comprehensive merchandise information originates from a crowd sourcing user and it can be actively published, submitted, and shared by a crowd sourcing user and/or be actively obtained by the platform. To be used on the platform, the comprehensive merchandise information is reviewed and selected by a mechanism such as the crowd sourcing based use tagging, the crowd sourcing based two-way review, and the like. The platform allows a crowd sourcing user to receive rewards from the platform, to monitor and report the displayed merchandise information on the platform, to purchase and promote a product and/or service from the displayed merchandise information.