The present disclosure is related to discounting a price of commodities to a consumer based on purchases made by the consumer with a financial card. A consumer registers with a reward program by providing information associated with a financial card to a reward program provider. The reward program provider may validate the financial card with a financial card provider (e.g., a card association), and, in response to a successful validation of the financial card, may receive, from the financial card provider, a token that may be used to identify purchases made by the consumer using the financial card, and the reward program provider may delete the financial information provided by the consumer during the registration process. The reward program provider may receive information that includes the token and indicates purchases made by the consumer and is used to determine rewards earned by the consumer.

Systems and methods for out-of-band, time-based matching for applying issuer benefits to a transaction are disclosed. In one embodiment, in an issuer authorization platform comprising at least one computer processor, a method for out-of-band, time-based matching for applying issuer benefits to a transaction may include: (1) receiving, from a computer application executed by an electronic device and over a communication network, a payment option to apply to a transaction conducted with a merchant; (2) receiving, from a payment network, an authorization request for the transaction from the merchant; (3) matching the payment option to the authorization request when the payment option and the authorization request are received within a predetermined time of each other; and (4) applying the payment option to the transaction.

Introduced here are computer programs and associated computer-implemented techniques for purchasing, selling, and/or transferring cryptocurrency to be disbursed as a reward for using a specialized payment card. The technology allows cardholders to receive cryptocurrency for completing transactions with specialized payment cards without requiring the card-issuing financial institution directly issue the cryptocurrency.

Methods and systems that record the location of a user and transmit targeted content to a user based upon their current and past location information. A network is configured to include a server programmed with a database of targeted content, a database of location information, a database of user information, a database searching algorithm, and a wireless communication system capable of communicating with the user's mobile device. The location of the mobile device is ascertained and recorded. The location information is analyzed to determine the routes taken by the user, businesses visited by the user, and other behaviors of the user. Targeted content is sent to the mobile device of the user or exposure to physical content is tracked. Whether the user visits the physical locations associated with the content is monitored. Detailed conversion tracking is provided to producers of targeted content and business owners.

Systems and methods for providing and operating a customer loyalty and rewards platform including network-based and merchant-based registration and management, including mobile messaging, remote and local customer registration options, enrollment and automated payment card account association therewith.

A distributed application is executed by a client device, sampling output by a player device that is playing audio-video content, and obtains information (e.g., advertising) relating to an object that is imaged or referenced in a portion of the playing content. The client device outputs the information on the client device while the content is playing on the player device, and optionally receives user input responsive to the information. The user of the client device receives the advertising or other information without any interruption of the content playing on the player device. Associating and providing user interface objects (information cards) in connection with limited portions of video content enables more user-friendly, less distracting advertising in connection with video content.

Methods and server systems for facilitating sharing of reward points between users are disclosed. Information related to linked one or more social IDs of a first user to a payment account of the first user is received and stored in a mapping file. A request for reward points redemption is initiated by the second user in response to an offer to redeem a fixed number of reward points posted by the first user on a social media platform. A social ID used by the second user to initiate the request on the social media platform is identified. A transfer of the fixed number of reward points from the first user to the second user is facilitated based on the mapping file and the social ID of the second user.

Embodiments described herein provide methods and systems for making reward point account balances liquid for the customer. In traditional systems, reward points issued to customers in their reward point accounts have limited redemption options. Embodiments discussed herein allow a user to provision their reward point account into a digital wallet. The user can then use the reward points to purchase goods and services using their reward point account as a payment source via the digital wallet. The result is that the reward point account balance becomes a liquid asset for the customer to use to purchase any goods and/or services at any merchant that accepts payments from a digital wallet. Further, due to real-time point conversion at the time of the transaction, the available point balance is always up-to-date for use through any access method available to the user.

Embodiments described herein provide methods and systems for making reward point account balances liquid for the customer. In traditional systems, reward points issued to customers in their reward point accounts have limited redemption options. Embodiments discussed herein allow a user to provision their reward point account into a digital wallet. The user can then use the reward points to purchase goods and services using their reward point account as a payment source via the digital wallet. The result is that the reward point account balance becomes a liquid asset for the customer to use to purchase any goods and/or services at any merchant that accepts payments from a digital wallet. Further, due to real-time point conversion at the time of the transaction, the available point balance is always up-to-date for use through any access method available to the user.

A method, apparatus, computer-readable medium, and/or system may comprise a user device 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 may comprise a processor and memory storing computer-executable instructions that, when executed by the processor, cause the computing device to receive, from the user device, the data indicative of the first routing network and the data indicative of the second routing network. The computing device may determine, based on the data indicative of the first routing network, a plurality of parameters for the first routing network. The computing device may determine, based on the data indicative of the second routing network, a plurality of parameters for the second routing network. The computing device may generate a secure session connection between the computing device and a server associated with the second routing network. The computing device may receive, from the server and via the secure session connection between the computing device and the server associated with the second routing network, 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. The computing device may store, at a database, the priorities for the first routing network and the second routing network.