A point applying unit associates a predetermined point according to a type of regular purchase contract with user identification information according to a contractual user, for each predetermined period; a number-of-points information storage unit stores number-of-points information representing the number of points for each reward, in a plurality of providable rewards; a selection information acquisition unit retrieves selection information that is associated with the user identification information and represents a selected reward of the plurality of rewards; and a reward management unit enables the selected reward to be used, based on the user identification information, in a case where the total number of points are set by the selection information retrieved by the selection information acquisition unit and the number-of-points information in the number-of-points information storage unit and are associated with the selected reward has a predetermined relationship with the predetermined point associated by the point applying unit.

A loyalty program management system associated with an enterprise location is provided. The loyalty program management system is programmed to: a) receive a plurality of input data associated with a plurality of patrons, wherein the plurality of input data represents actions of the plurality of patrons; b) determine a current location of a patron of the plurality of patrons, wherein the current location of the patron is not at the enterprise location; and c) transmit a message to a computer device associated with the patron including a prize to be awarded if the patron visits the enterprise location.

Methods and systems for processing trip-based insurance policies for vehicles. According to aspects, a trip-based insurance policy of a vehicle specifies an amount of trip units for insured vehicle travel and has an associated policy term. In certain cases, a customer may exhaust trip units before an expiration of the policy term. The methods and systems therefore enable the purchase of additional trip units so that the customer remains insured. In other cases, upon expiration of the policy term, an insurance provider may calculate an amount of unused trip units. The insurance provider may determine one or more types of credit that are based on the amount of unused trip units. The insurance provider may also apply the one or more types of credit to an account of the customer.

A method of payment using rewards is provided. The method includes receiving a payment amount from a customer's mobile device; sending selectable payment options to the mobile device based on an amount of rewards points available in a customer rewards account and an amount of credit available in a customer account, the selectable payment options including an option to redeem a portion of the amount of rewards points available to fund a first portion of the payment amount and using a portion of the amount of credit available to fund a second portion of the payment amount; receiving a customer selection of the option; generating a single form of payment in the form of at least one of a quick response (QR) code, a bar code, or a near-field communication (NFC) transmission; and transmitting the single form of payment to the mobile device for providing to a merchant.

A mobile wallet computer system receives via a mobile device an indication from a user that the user wishes to perform a mobile wallet transaction to transfer funds to a merchant. The mobile wallet computer system determines an amount of merchant rewards from the merchant that are available for the user to use at the merchant. The mobile wallet computer system transmits information regarding the amount of available merchant rewards to the merchant computer system. The merchant computer system applies the merchant rewards to the transaction prior to submitting the transaction to a card network computer system.

The present disclosure involves systems, software, and computer implemented methods for automatically providing a lending offer for loyalty points based on a customer account analysis. One example method includes initiating an offer analysis for a customer account associated with a particular customer and storing an account balance and a point deficit balance. The offer analysis determines whether to provide an offer for a point loan, and is based on profile information of the customer, a current point balance, and a reward identified from the loyalty account. If an offer is to be provided, an offer for a loan of points equal to the difference between the current point balance of a loyalty account and the point value cost of the reward is transmitted to a client device of the customer. If accepted, the current point balance and the point deficit are both incremented by the amount of the offer.

An example server includes: a memory storing an account database for a centralized reward hub; a processor interconnected with the memory, the processor configured to: receive purchase data for a purchase by a customer, the purchase data including a customer identifier; determine whether account database includes an existing entry corresponding to the customer identifier; when the account database does not include an existing entry corresponding to the customer identifier, create a new entry for the customer identifier; send the customer a login link for the centralized reward hub based on the new entry or the existing entry corresponding to the customer identifier.

An example server includes: a memory storing an account database for a centralized reward hub; a processor interconnected with the memory, the processor configured to: receive a new hub account request for a new hub account at the centralized reward hub; obtain user parameters associated with the new hub account request; filter a list of merchants based on the user parameters; provide the filtered list of merchants for presentation at a client device; receive a selection of a merchant from the filtered list; send a new merchant account request to create a merchant account for the merchant; and create the new hub account in the account database for the centralized reward hub.

Systems, methods, and apparatus are disclosed for managing a loyalty program. In some embodiments, a system includes a loyalty program management (LPM) system and a point-of-sale (POS) terminal. The POS terminal is configured to read a membership identifier, identify a plurality of goods, complete a sale of the identified plurality of goods to the member, and transmit, to the loyalty program management system, the read membership identifier and information about the identified plurality of goods. Based on the received information, the LPM system is configured to identify one or more point categories, and update earned loyalty points of the member in each of the identified one or more point categories. The LPM system is further configured to provide the POS terminal with a redemption value to be applied to the sale.

An example server includes: a memory storing an account database for a centralized reward hub; a processor interconnected with the memory, the processor configured to: provide a centralized reward hub interface for display at a client device associated with a client account, the centralized reward hub providing multiple merchants for selection; receive a selection of a merchant from the client device; redirect the client device to a merchant site for the selected merchant; provide, to a discount module integrated with the merchant site, a point balance for a client account; receive, from the discount module, an updated point balance for the client account after application of a portion of the point balance to apply a discount at the merchant site; and update the point balance for the client account in the account database.