The disclosure facilitates loyalty earnings by generating purchase recommendations. Loyalty data is collected from a loyalty program data store. The loyalty data is associated with a loyalty profile of a user. Account data is collected from an account data store. The account data is associated with an account of the user that is linked to the loyalty profile of the user. Transaction data is collected from a transaction data store. The transaction data is associated with the account of the user. User recommendations are generated for prioritizing loyalty earnings on the loyalty profile based on the loyalty data, account data, and transaction data. After the recommendations are generated, the recommendations are caused to be displayed on a user interface associated with a computing device of the user. Combining the three types of collected data to generate the recommendations results in accurate recommendations that are tailored to the user to increase loyalty earnings.

The payment type recommendation method includes the following steps: obtaining payment data; generating a store group and a company group according to payment type and consumption location in the payment data; calculating the store payment average ratio according to the payment type corresponding to the store group; calculating the company average payment ratio according to the payment type corresponding to the company group; generating the user payment preference according to the company average payment ratio; defining the preference order according to the amount of the user payment preference; calculating the overall return rate according to the preference order using the wholesale price, the expected revenue weight, the user payment preference, a payment combination, and a total cost; and displaying the payment combination and the overall return rate corresponding to the payment combination on a display screen.

A method, system and computer program for providing a loyalty engine for automated cause marketing. The method can include a charity linking merchants and sponsors to the loyalty system. Once the merchants and the sponsors are linked and the members are registered, merchant defined rules can instruct a loyalty engine as to the level of donations in connection with one or more transactions by a member that is associated to the loyalty program. The loyalty system can include a reporting facility to allow the merchant to track transactions with members in a number of ways. A system is also provided that can consist of a server including the loyalty engine and the charity utility. The charity utility can provide the functions of the method and can be linked to the networked server.

The present invention teaches a system, method and computer program for enabling local or regional merchants to participate in an automated cause marketing (ACM) program using mobile devices. The ACM program that may provide benefits to several parties involved in fundraising for one or more supported organizations, including one or more supported organizations, advertising providers, merchants, and individuals. Merchants are able to access enhanced analytics regarding their transactions with members and non-members of the ACM program and can use these enhanced analytics to realize an increased number of or revenue from transactions with members. The present invention also teaches a system and method for enabling advertising providers to acquire and analyze data associated with consumers-merchant transactions. The present invention provides the above features optimally using mobile devices. Furthermore, the present invention, may enable a member to disseminate its charitable preferences and contribution notifications to members of its electronic social networks.

A system receives from a customer having an associated rewards points account a price offer for an item. The system determines if the price offer for the item is below an established threshold price, e.g., a price a retailer would accept for the item. When the price offer for the item is below the established threshold price, the system determines an amount of rewards points to be redeemed by the customer to thereby allow the customer to purchase the item at the price offer for the item as received from the customer. The system then allows the item to be purchased by the customer at the price offer for the item as received from the customer in the event that the customer indicates a willingness to redeem the determined amount of rewards points from their associated rewards points account.

Systems and method relate to incented content consumption and providing a platform for the distribution and consumption of long-form content, such as e-books, audiobooks, podcasts, and the like. Various embodiments may include an application, e.g., Readercoin, that seeks to reward authors and readers of long-form content. Other embodiments include an application, e.g., Podcoin that seeks to reward authors and listeners of long-form audio content. Various applications and platforms discussed herein may be configured to convert reading and listening into currency or other value. Users, authors, etc., may join to earn rewards and generate readers and listeners of their work. Such users may join to earn rewards for their reading and audiobook listening. In other embodiments, certain user actions may earn rewards at an increased rate for meeting a threshold, such a pre-set level of hours.

Provided is a mobile application and system which can provide rewards to a user based on purchases of various brands, companies, and the like, in a non-intrusive manner. In one example, the method may include storing user verification credentials in a database, receiving an input value via a mobile application installed on a user device and transmitted to a host platform that hosts the mobile application, calling a verification service based on the stored user verification credentials, via an application programming interface (API), which verifies a payment account of the user can cover the input value, and in response to receiving verification from the verification service, fetching a pre-loaded token from a token service based on the input value and transmitting the pre-loaded token to the mobile application installed on the user device.

The present invention teaches a system, method and computer program for enabling local or regional merchants to participate in an automated cause marketing (ACM) program. The ACM program that may provide benefits to several parties involved in fundraising for one or more supported organizations, including one or more supported organizations, advertising providers, merchants, and individuals. Merchants are able to access enhanced analytics regarding their transactions with members and non-members of the ACM program and can use these enhanced analytics to realize an increased number of or revenue from transactions with members. The present invention also teaches a system and method for enabling advertising providers to acquire and analyze data associated with consumers-merchant transactions. The present invention provides the above advantages optimally using a mobile device. Furthermore, the present invention, may enable a member to disseminate its charitable preferences to members of its electronic social networks.

A method for changing operation modes includes receiving disaster information from trending data, a newsfeed, or an alert message; upon detecting at least one redirection trigger from the disaster information, configuring a loyalty system to operate in a redirection mode; receiving or accessing data associated with a transaction between a customer and a merchant; determining, from at least one of customer information and merchant information in the data associated with the transaction, a donation amount and a location associated with the transaction; when the loyalty system is configured to operate in a redirection mode, generating signals to cause accrual of at least a portion of the donation amount to a redirection account based on the location associated with the transaction; and generating signals to cause accrual of any remaining portion of the donation amount to one or more defined donation accounts based on charity catchment area parameters.

A merchandise sales data processing apparatus according to an embodiment includes an input device, a storage unit, and a processor. The input device receives first customer information, second customer information indicating the user's participation in a reward program in a store at which the user is currently purchasing merchandise, and merchandise sales data. The storage unit stores the received first customer information, the second customer information, company code information indicating the store, and reward information of the user in the reward program. A first transmission section transmits the received first customer specification information and the company code information to an outside apparatus. A privilege generation section generates the reward information when the second customer specification information is received. An electronic receipt data generation section generates and transmits the electronic receipt information including the merchandise sales data and the reward information.