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.

A system for managing multiple loyalty accounts, the system including one or more processing devices that receive a request indicative of a merchant and a user identifier, use the user identifier to obtain loyalty point data indicative of at least a points balance for each of multiple user loyalty accounts, use the merchant identifier to determine a merchant loyalty program for which the merchant can redeem loyalty points, calculate a points amount with the loyalty point data, the merchant loyalty program, and one or more rules, the one or more rules being at least partially indicative of conversion rates between loyalty programs, and at least one of provide a points indication indicative of the points amount to allow the points amount to be presented to the user, and cause points to be redeemed at least partially to allow a transaction to be selectively performed.

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.

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.

There is provided a system and method for consumer rewards redemption. One or more virtual tokens are issued as a reward to a consumer. A number of the one or more virtual tokens issued to the consumer and a cash store of value associated with each of the one or more virtual tokens are recorded. At least one transaction is then performed using the one or more virtual tokens as digital currency.

A user device is configured to transmit, to a computing device, data indicative of a first routing network and data indicative of a second routing network. The computing device determines, based on the received, a plurality of parameters for the first and second routing networks. The computing device may generate a secure session connection between the computing device and a server associated with the second routing network and receive, from the server and via the secure session connection, a modification to one or more parameters of the plurality of parameters for the second routing network. The computing device may determine priorities for the first routing network and the second routing network based at least in part on the plurality of parameters for the first routing network and the modification to the one or more parameters of the plurality of parameters for the second routing network.

Embodiments of the present invention relate to systems, methods, processes, computer program code, and means for creating digital wallets for users. In some embodiments, digital wallets are created, at least in part, on information obtained from payment transactions conducted by users.

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.

Embodiments of the present invention relate to systems, methods, processes, computer program code, and means for creating digital wallets for users. In some embodiments, digital wallets are created, at least in part, on information obtained from payment transactions conducted by users.

A processor-implemented method for payment selection. The method comprises receiving user identifying information associated with a user and payment account information associated with a plurality of user payment accounts associated with the user. The method includes receiving transaction request information for a transaction including the user identifying information and the payment account information for a first user payment account. The method includes determining a first potential benefit from completing the transaction using the first user payment account and a second potential benefit from completing the transaction using a second user payment account. The method includes determining that the second potential benefit is greater than the first potential benefit, completing the transaction with the second of the plurality of user payment accounts.