Systems and methods for P2P transaction functionality include rewards-based P2P funding. 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 enrolling a cardholder in a reward funding service and enabling the cardholder to use accumulated incentive program rewards. The operations also include a request for a transaction for redeeming rewards of the cardholder, approval of the transaction, and granting access to accumulated incentive program rewards for use in a P2P service system.

A client device detects a QR code (or NFC tag). The client device decodes the QR code. The client device determines that the data encoded within the QR code includes a URL. Based on the URL, the client device sends a first request to a first server identified by the URL. In response to the first request, the client device receives from the first server data configured to cause the client device to display, to a user of the client device, at least one of: a video or an interactive web page. Responsive to the data encoded in the QR code, the client device sends to a coupon server: identification data associated with a user of the client device, and a request for the coupon server to distribute a digital coupon for an offer associated with an identifier encoded within the QR code to an account associated with the user.

Methods, system and devices for managing loyalty incentive schemes are provided. In particular, payment terminals are provided that each comprise an electronic screen for displaying information to a user relating to a payment transaction, data input means, including at least one payment instrument interface for interfacing with a customer payment instrument, and at least one telecommunication module. A terminal management server is provided for managing the operation of the payment terminals. An incentive management server is also provided, for managing incentives to be applied at the payment terminals.

The disclosure relates to systems and methods for facilitating bill payment functionality in mobile commerce. In one embodiment, a method can include receiving a transaction code at the mobile device; transmitting the transaction code to a merchant device for association with a transaction; receiving transaction information associated with a transaction based on the transaction code at the mobile device; displaying the transaction information at the mobile device; displaying at least one payment option at the mobile device; receiving a selection of one of the at least one payment option; transmitting the selected payment option and transaction information from the mobile device for approval of the payment of the transaction; receiving notification of approval of the payment at the mobile device; and receiving a payment completion code associated with the notification of approval, wherein the payment completion code is provided to the consumer on a bill associated with the transaction.

An artist comprehensive ability evaluation and cultivation assistant system based on artificial intelligence comprises an artificial intelligence unit configured to: construct an artificial intelligence model according to an artificial neural network model and acquired data related to artist comprehensive ability evaluation and cultivation suggestions; and provide, according to the artificial intelligence model, a user having a demand for artist comprehensive ability evaluation and cultivation suggestions with one or more of: artist comprehensive ability reward point values, cultivation suggestions, prediction of situations and matching of information.

A computing system is configured to receive location data from a first wireless device of a first user. The system determines one or more coordinates associated with an establishment. The system determines that the first user is located at the establishment using the location data and the coordinates associated with the establishment. The system receives, from a second wireless device of a second user, a request for a location of the first user. The system determines that that the second user has permission to obtain the location of the first user. The system then transmits, to the second wireless device, information associated with the establishment where the first user is determined to be located.

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.

In general, intelligent fuel dispensers are provided. In at least some implementations, an intelligent fuel dispenser can determine customer identities and/or other characteristics and provide customized fueling sessions based on the determined customer identities and/or other characteristics. In at least some implementations, the fuel dispenser includes a touchless interface allowing customers to complete fueling sessions with minimal physical contact with the fuel dispenser.

A method for the transmission of data to a magnetic read head of a payment terminal. The method is implemented by an electronic device capable of generating a magnetic field representative of an encoding of the data to be transmitted, and the transmission of the data includes a plurality of emissions of a same sequence of standardized data. The standardized data is data representative of a payment means and is formatted according to the ISO/IEC 7813 standard. The method further includes transmitting secondary data that are emitted between two successive emissions of the sequence of standardized data.

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.