Systems, methods, and apparatuses for processing a rewards transaction including an accounts database storing information associated with accounts held by a financial institution including a payment account associated with a customer, a rewards account database storing information associated with reward accounts, including a rewards account associated with the customer, and a processing circuit. The processing circuit is structured to receive transaction details that define a rewards transaction associated with the rewards account, receive a rewards transaction request associated with the rewards account, the rewards transaction request including a rewards amount and recipient details, debit an amount of points from the rewards account maintained by the financial institution and associated with the customer, where the amount of points are less than or equal to the rewards amount, and complete the rewards transaction without converting the rewards amount to currency.

A system and method for providing location based services for user-fee chargeable facilities is provided. The invention provides for detecting location, and offering and charging for usage of user-fee chargeable facilities. The invention further provides a convenient and common platform for offering user-fee chargeable services from different organizations. Furthermore, the invention provides a system and method that facilitates payment of fees through multiple payment channels, provides opportunities for using accumulated loyalty points in lieu of payments, availing personalized discounts and/or offers in lieu of financial payments and provides options for sharing the payment of fees between multiple users. The invention also provides a system and method that helps facility owners and operators and third party partners to reduce costs and increase revenue leveraging location-based services.

A device may obtain customer data, associated with a customer identifier, that includes an indication of a recency of a past purchase, a frequency of past purchases, and/or a monetary value associated with past purchases by a customer associated with the customer identifier. The device may determine, based on comparing the customer data and aggregate customer data, a first score that predicts a current measure of loyalty associated with the customer, and may predict, based on the first score, a predicted frequency of future purchases by the customer and a predicted monetary value associated with the future purchases, to determine a second score that predicts a future measure of loyalty associated with the customer. The device may compare the first score and the second score to determine a risk level associated with the customer, and may cause an action to be performed based on determining the risk level.

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.

Systems and methods for providing offers, incentives, and rewards across at least two merchants, wherein the system is operable to, in one embodiment, store a consumer profile including at least one account identifier, and wherein the at least one account identifier is related to at least one payment method. The system is further operable to receive at least one real-time purchase record and match elements of the real-time purchase record to the consumer profile, wherein the system is operable to provide merchant offers, incentives, and rewards based on the matching and the at least one real-time purchase record.

Herein disclosed are systems and methods for distributing fractional equity rewards to users of a loyalty platform based on tracked user loyalty purchases. The disclosed systems and methods may enable a reduction in time between a user loyalty purchase and distribution of a fractional equity reward determined based on the user loyalty purchase. In one example, by maintaining merchant deposit accounts within the loyalty platform, and by aggregating pending fractional equity rewards, a speed of fractional equity reward distribution may be increased. Further, the merchant deposit accounts may enable reduction of an amount of stock held in an inventory account of the loyalty platform. The disclosure is further directed towards reducing user frustration by displaying equity reward statuses indicating a status of a pending fractional equity reward, which may further include an indication of an estimated reward fulfillment time.

A computer system for defining attributes associated with attended delivery/pickup locations is described. In various embodiments, the system is configured to enable an authorized user (e.g., a manager of an attended delivery/pickup location) to define certain attributes of a particular attended delivery/pickup location. In some embodiments, the system is configured to verify that the particular user is authorized to define the one or more attributes associated with the particular attended delivery/pickup location (e.g., by checking a list of one or more authorized users). Once the one or more attributes are defined, in one or more embodiments, the system is configured to accept or reject parcel delivery requests based at least in part on the attributes. In further embodiments, the system is configured to facilitate a return of a particular item to a retailer via the attended delivery/pickup location.

A point management system manages points on the basis of an index related to a financial product, the points being held by a user in a loyalty points program with which accumulated points can be exchanged for a product or the like. The point management system includes a point management unit that, on the basis of a target value and/or a withdrawal value of a point balance in management set on the basis of a tiered unit of exchange in exchanging points for a product or the like, calculates information related to prediction of whether or not the point balance reaches each of the target value and/or the withdrawal value by a term, or selects a financial product with which the point balance is highly likely to reach the target value.

A method for monitoring customer transactions is provided, the method including, in at least one payment processing device, receiving transaction data indicative a transaction between a customer and a merchant, the transaction being performed in respect of a respective customer account, determining an identifier associated with the transaction using mapping data indicative of associations between identifiers and customer accounts, determining a plurality of transactions associated with the identifier, analyzing the plurality of transactions to determine if the plurality of transactions meet one or more transaction criteria, selectively generating a notification if the plurality of transactions meet the one or more transaction criteria and providing the notification to at least one of the merchant and a customer.

A method for facilitating transactions is provided. Various users register their payment modes to avail a payment mode interchange service offered by a server for online purchases. During registration, the users specify corresponding offer amounts in exchange for allowing purchases of other users to be performed by using their payment modes. When an offer on a purchase is not applicable on a payment mode of a first user, the first user is recommended by the server to make the purchase by using a payment mode of a second user on which the offer is applicable. The payment mode of the second user is charged with a purchase amount of the purchase and the offer amount specified by the second user is billed on the payment mode of the first user. The second user receives the offer amount and the first user receives an incentive associated with the offer.