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.

A device may receive, from a user device, credentials for a transaction account associated with a user. The device may provide, to a merchant device, authorization information enabling access to an indication of an incentive status associated with the user and the transaction account, wherein the incentive status indicates whether an incentive is available for the user. The device may receive, from the merchant device, an incentive status request including the authorization information. The device may determine that the authorization information is valid and is associated with the transaction account. The device may determine a current incentive status for the incentive, wherein the current incentive status is based on a satisfaction of a condition associated with the transaction account. The device may provide, to the merchant device, the indication of the current incentive status for the incentive.

A device for performing a transaction at a merchant location during a power-crisis at the merchant location is configured to receive information from a customer for performing a current transaction. The device is configured to compare the information with backup data accessible by the device to authenticate the customer. The backup data includes minimal information regarding customer including (i) customer name and/or contact details, (ii) credit points associated with customer, and (iii) security information associated with customer. Thereafter, the device is configured to retrieve the credit points associated with customer from the backup data. The device is configured to deduct used credit points based on a purchase amount and update the backup data. When there is access to a power source, the device is configured to connect to a server to facilitate initiating a settlement process with a financial institution and/or notifying the customer to clear dues with a merchant.

A method for automatic redemption of available reward points is disclosed. The method may include linking a stored data profile of a customer of a merchant with at least one reward account of the customer, and receiving an update corresponding to a changed value of reward points available for redemption. The method may include updating the stored data profile of the customer with the changed value of reward points for redemption, and automatically accessing a list associated with the profile of the customer in response to the updating the stored data profile of the customer. The list may include at least one item to be purchased. The method may include identifying and purchasing at least one item from a subset of items from the list whose redemption values are equal to or less than the changed value of reward points based on a customer preference setting.

Systems and methods real-time application configuration for NFC transactions using a secure-element based wallet are disclosed. In one embodiment, in an information processing device comprising at least one computer processor, a method for application configuration for NFC transactions may include: (1) a computer application executed by the information processing device receiving a selection of a provisioned financial instrument and a payment feature; (2) the computer application identifying a directory entry for the provisioned financial instrument having the selected payment feature; and (3) the computer application modifying an application priority indicator in the identified directory entry.

Embodiments of the present invention provide methods, systems, apparatuses, and computer program products for classifying merchants. In one embodiment a method is provided comprising providing, a first promotion specifying a redemption and a charge monetary values, the redemption monetary value being specified by redemption parameters of the first promotion and a value indicative of a total amount of funds purchased in response to accepting an instance of the first promotion, wherein the funds purchased can be redeemed for offerings of one or more merchants specified by the promotion, the charge monetary value being a monetary value charged for accepting the first promotion, and providing a first classification classifying the first promotion as a promotion having a redemption monetary value that may be used to purchase offerings of the one or more merchants over the course of multiple transactions.

A computer system detects a request to process a transaction corresponding to a first user and a first merchant, wherein the first user is associated with a first user account of a plurality of user accounts associated with a transaction platform. In response to detecting the request to process the transaction, the computer system identifies that a second user account of the plurality of user accounts includes a first amount of rewards corresponding to the first merchant. The computer system determines an optimal transaction path for obtaining, from the second user account, at least a portion of the first amount of rewards. In response to determining the optimal transaction path, the computer system utilizes the optimal transaction path to obtain the at least the portion of the first amount of rewards, and processes the transaction by utilizing the at least the portion of the first amount of rewards.

A system for integrating custom benefits into a communication transmission exchange is provided. The communication transmission exchange may include a plurality of entities. The system may include a receiver configured to receive a custom benefit selection. A second entity may perform the selection. The custom benefit may be associated with a first entity. The selection may trigger termination of any predetermined benefits to be communicated from a fourth entity to the second entity. The predetermined benefits may have been previously associated with a communication associated with the custom benefit. The selection may trigger instantiation of a communication line between the first entity and the second entity. The communication line may be for delivering a custom benefit communication, associated with the custom benefit, from the first entity to the second entity. The selection may also trigger deliverance of the custom benefit communication from the first entity to the second entity.

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.

Systems, methods, and apparatuses for processing a rewards transaction including an accounts database storing information associated with accounts held by a financial institution including a payment account associated with a customer, a rewards account database storing information associated with reward accounts, including a rewards account associated with the customer, and a processing circuit. The processing circuit is structured to receive transaction details that define a rewards transaction associated with the rewards account, receive a rewards transaction request associated with the rewards account, the rewards transaction request including a rewards amount and recipient details, debit an amount of points from the rewards account maintained by the financial institution and associated with the customer, where the amount of points are less than or equal to the rewards amount, and complete the rewards transaction without converting the rewards amount to currency.