A rewards management system is configured to facilitate the redemption of loyalty benefits at a financial institution and apply credits, payments, debits, and/or the like associated with the loyalty benefit to transactions that are characterized by a set of predetermined rules (e.g. an item purchased during a particular transaction, the merchant from whom the transaction originated, the vendor who manufactured the item). The system provides real-time management of the loyalty account so that the loyalty benefit can be used to offset the liability associated with a particular eligible transaction. The system may also be configured to allow a user to satisfy various obligations to the financial institution (e.g. a minimum payment associated with a statement from a transactions account). As such, the system allows the loyalty account provider or the financial institution to provide a customizable rewards program that allows loyalty benefits to be used for any type of transaction.

The invention comprises various data points from various data sources to aid a user in selecting the proper credit card for a credit card transaction.

A system for a customer initiated payment transaction includes a mobile device of a customer, a card of the customer having card information, and a merchant having merchant information and payment information. The mobile device is operative to process a card payment transaction by the steps of, the mobile device: receiving the merchant information and the payment information; being activated, for processing the card payment transaction, by the card; creating a payment authorization, request using the card information, the merchant information, and the payment information, and sending the payment authorization request to an acquirer; and receiving a result of the payment authorization request from the acquirer.

The disclosed embodiments provide systems, methods, and techniques for managing merchandising cards. A merchandising card may be, for example, a gift card, loyalty card, or the like. Consistent disclosed embodiments, a system for managing merchandising cards may include one or more memory devices storing instructions and one or more processors configured to acquire, from a device over a network, a plurality of locations associated with the device, the device locations being acquired at different instances in time within a predetermined period of time. Additionally, the one or more processors may be configured to calculate an overall merchant confidence rating for a merchant using the device locations. Further, the one or more processors may be configured to, based on the overall merchant confidence rating, determine that the merchant matches a merchant that is associated with merchandising card, and send a reminder a user of the device.

A method for applying promotion codes to a payment transaction using a computing device is provided. The computing device includes a promotion application in communication with a server. The payment transaction includes a purchase made by a cardholder using a payment card over a payment card network. The method includes providing, by the promotion application, promotion data to the computing device, wherein the promotion data includes a merchant participating in the payment card network, a promotion program offered by the merchant, and promotion codes associated with the promotion program. The method further includes displaying the at least one promotion program on the computing device, receiving a selection of the at least one promotion program from the cardholder using the computing device, and sending the promotion codes associated with the selected promotion program to the server for a payment transaction that corresponds to the selected promotion program.

The invention relates to a computer-implemented system and method for loyalty integration to facilitate redemption of rewards using a mobile device. According to an embodiment of the present invention, a system and method comprise the steps of: connecting a merchant app, associated with a merchant, with a funding source associated with a financial institution, wherein the merchant app provides a merchant program to the user; identifying a number of points for conversion to stored value on the merchant app; converting the number of points to a stored value amount on the merchant app; loading the merchant app with the stored value; and responsive to a user request on the merchant app, performing a payment transaction for a purchase using the converted stored value.

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.

Systems and methods for P2P transaction functionality include transaction management. A system includes at least one processor and a storage medium storing instructions that, when executed by the at least one processor, cause the at least one processor to perform operations including identifying possible trigger transactions and creating a transaction bucket associated with the identified one or more participants. The operations also include performing calculations of amounts currently owed by each of the one or more participants, receiving a trigger event from the cardholder device. and sending notifications to the P2P service system asking for repayment based on the calculated amounts.

Systems and methods for P2P transaction functionality include associating a P2P service with a credit card transaction. A system includes at least one processor and a storage medium storing instructions that, when executed by at least one processor, cause the at least one processor to perform operations including receiving information about a transaction from a vendor where a card was used, providing transaction data elements and an interaction schema related to authorized and posted transactions, to one or more P2P service systems, receiving from one of the P2P service systems referential data elements, and associating the received data elements with the transaction.

Systems and methods for P2P transaction functionality include payment collection from a third party source. A system includes at least one processor and a storage medium storing instructions that, when executed by the one or more processors, cause the at least one processor to perform operations including receiving transaction information from a vendor where a card was used and analyzing the transaction information. The operations also include sending one or more requests for repayment to one or more P2P service systems, receiving repayment information, regarding one or more repayments, from the one or more P2P service systems and, based on the repayment information, applying the one or more repayments to the transaction performed on the card.