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.

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.

An automated teller machine (ATM) includes a network interface, an input/output device configured to exchange data with a customer, and a processing circuit comprising a processor and memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive account information identifying a credit account associated with the customer, transmit the account information identifying the credit account, receive reward information associated with the credit account, display a reward indication notifying the customer of reward information and providing the customer with an ability to indicate a preference to perform a currency reward withdrawal, receive data comprising an indication of the preference of the customer to perform the currency reward withdrawal, transmit a redemption request based on the indicated preference, receive a redemption request authorization, and dispense an amount of currency corresponding to an amount identified in the redemption request authorization.

An information controlling apparatus includes: a first registering unit configured to register registration information linking a predetermined user's biometric information and personal information; an acquiring unit configured to acquire the biometric information of the user; a biometric authentication controlling unit configured to control biometric authentication of the user; a second registering unit configured to register action information pertaining to the entry into or exit from a first facility or purchase information pertaining to the purchased product or service at the first facility linked to the registration information of the user whose biometric authentication has succeeded; a determining unit configured to determine, based on the registration information, a service suitable for the user and available at a second facility; and a processing unit configured to perform a process pertaining to providing of the service.

In some aspects, the techniques described herein relate to a method including: providing, in a collaboration space, a point conversion interface; passing, via the point conversion interface, user credentials to a third-party point issuer; receiving, via the point conversion interface and from the third-party point issuer, a number of points, wherein the number of points is associated with the user credentials; multiplying the number of points by a conversion factor, wherein the multiplying produces a number of unified points; crediting a points pool associated with a collaboration space, with the number of unified points; and receiving, at the collaboration space and from a user of the collaboration space, an instruction to apply the number of unified points to a travel objective, wherein the travel objective is included on a digital itinerary provided by the collaboration space.

A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to during an active web session within a web browser executing on a computing device determine that a web page active within the web browser is eligible for loyalty point redemption; and send, via the communications module and to the computing device, a signal to modify the web page active within the web browser to display at least one selectable option associated with offsetting a purchase price of at least one item using loyalty points from a loyalty points account.

The present disclosure relates to systems and methods for redeeming financial rewards for cash at an ATM. A customer inputs financial account credentials into an ATM, and these credentials are relayed to a financial institution computing system. The financial institution computing system then authenticates the customer by determining whether the input credentials match credentials stored in a database associated with the financial institution computing system. Once the customer is authenticated, the financial institution computing system polls the customer database and determines whether the customer has earned any rewards through usage of the financial account. Any available rewards are converted to a cash value and transmitted back to the ATM for view by the customer. Upon receipt of a customer indication that they wish to redeem the reward, the ATM is then configured to dispense the converted reward amount to the customer.

A method and system for crediting a financial account of a user with an amount is provided. The amount is maintained in a lock mode for a set time period in the account. The crediting of the amount is based on a registration request received from the user. The user further provides the amount that the user wants to maintain in the account. Reward points are determined based on transaction history of a transaction card associated with the account and are blocked in the account based on the registration request. The reward points are settled as and when the user performs transactions in the set time period by way of the transaction card. The amount that is equivalent to the reward points is credited in the account of the user when the reward points are settled in the set time period.

Computer-implemented systems and methods for initiating a transaction, the transaction generating a validation request to verify a customer's identity, the validation request requesting a first unique randomized identifier from a mobile payment cloud; transmitting the first unique randomized identifier to a customer device, the first unique randomized identifier being forwarded to the mobile payment cloud as a second unique randomized identifier to validate the transaction; receiving an authentication from the mobile payment cloud based on a result of validating the transaction; transmitting a customer identification code and the cash value to an interbank network as an interbank transaction request; receiving a response from the interbank network regarding the interbank transaction request; and processing the transaction based on the response from the interbank network.

A network based indoor positioning and geofencing system and method is described. Beacons are disposed within a physical premises and each beacon transmits a signal containing identifying information. A networked indoor positioning module receives measured reference points that include a measured beacon identifier and a measured signal strength. The networked indoor positioning module uses the measured reference points to generate calculated signal strength values for at least one detected beacon. At least one geofence is associated with the physical premises and the geofence includes some of the calculated signal strength values. A wireless device receives a beacon identifier and a beacon signal strength, when the wireless device is in or near a geofence associated the physical premises. The networked indoor positioning module determines that the wireless device is within at least one geofence by comparing the received beacon identifier and the received beacon signal strength with the calculated signal strength values corresponding to the detected beacon.