Provided are 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.

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.

The present invention relates to NFT and virtual currency purchasing system using points and the method thereof, and more particularly, to NFT and virtual currency purchasing system using points and the method thereof, which can make the NFT and virtual currency be purchased by the points obtained from brands, stores, and apps and can make the purchased NFT and virtual currency be paid at stores.

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.

Systems and methods are provided for enabling access to digital content based on geographic locations visited by mobile device users. One method includes receiving a promotion associated with premium digital content, access information, and one or more locations in which the premium digital content is accessible. The premium digital content includes restricted access content and the premium digital content is associated with open access content, determining one or more geo-fences based on the one or more locations, transmitting at least part of the promotion to one or more mobile devices, receiving a geographic location of the one or more mobile devices, determining whether the geographic location of the one or more mobile devices is within at least one of the one or more geo-fences, and transmitting, when the geographic location of the one or more mobile devices is determined to be within the one or more geo-fences, access information for the premium digital content to the one or more mobile devices within the one or more geo-fences.

A method for confirming post-authorization erasure of a transaction payment using reward points includes: storing account profiles including data related to reward accounts, each including an account identifier and point amount; receiving a transaction message associated with a payment transaction, the message including a specific account identifier and transaction amount; identifying a specific account profile that includes the specific account identifier; calculating a point cost based on the transaction amount; identifying an authorization reference key associated with the payment transaction and specific account profile; identifying a unique identifier associated with the authorization reference key; storing an authorization record including authorization reference key and unique identifier; generating a request message including the identified unique identifier one of: the point cost and transaction amount; and transmitting the request message to a consumer associated with the specific account profile.

Method and apparatus for incentivizing ride share users, where offers are presented to the users and based on selected offers, corresponding fares may be reduced. A ride share incentivization may include user profile database, a business database, a route generator, and an advertisement generator. The route generator is configured to generate a first route and a first fare based on a first ride share request, and a second route and a second fare based on a second ride share request. The advertisement generator may generate offers for the rider share users and adjust the fares of the ride share users based on the selected offers. The advertisement generator may further adjust one or more offers when no offers are selected.

Systems and methods for facilitating delivery of parcels to, from, and between attended delivery/pickup locations. In various embodiments, the attended delivery/pickup locations may be associated with brick-and-mortar retail locations and used to facilitate inventory transfer between locations, shipment of goods purchased at the brick-and-mortar-retail locations to other attended delivery/pickup locations or other locations, and to receive delivery of parcels sent from any suitable location. In some embodiments, the attended delivery/pickup locations are configured to receive shipments of items ordered from online retail websites. In other embodiments, the attended delivery/pickups locations are associated with shopping centers and configured to facilitate shipment of items purchased at the associated shopping centers.

Systems, methods, and apparatuses for implementing commerce rewards across tenants for commerce cloud customers utilizing blockchain technologies in conjunction with a cloud based computing environment are described herein. For example, according to one embodiment there is a system having at least a processor and a memory therein executing within a host organization and having therein: means for operating a commerce cloud platform on behalf of a plurality of merchants, in which the commerce cloud platform provides at least customer payment processing on behalf of the plurality of merchants; receiving a first purchase transaction for an unknown customer from a first one of the plurality of merchants, in which the purchase transaction indicates transaction source information; creating a new global ID for the unknown customer and associating the purchase transaction and the transaction source information with the new global ID at the commerce cloud platform; allocating commerce rewards points to the unknown customer via the new global ID based on the first purchase transaction; receiving a second purchase transaction for the unknown customer from a second one of the plurality of merchants, in which the second purchase transaction indicates transaction source information for the second purchase transaction; prompting the unknown customer associated with the second purchase transaction to confirm they are associated with the first transaction based on at least a partial matching of the transaction source information associated with the first and second purchase transactions; and inviting the unknown customer to participate in a commerce rewards program to redeem the commerce rewards points. Other related embodiments are disclosed.

Systems and methods for facilitating payments and reward tracking are disclosed. In one embodiment, in a merchant information processing apparatus comprising at least one computer processor, a method for facilitating customer payments and reward tracking may include: (1) providing an interface for accessing a financial institution backend in a merchant interface; (2) receiving user information from the financial institution backend; (3) generating a merchant loyalty account for the user based on the user information received from the financial institution backend; and (4) providing merchant loyalty account information to the financial institution backend.