Embodiments provide a method of integrating a loyalty program with a payment card of a customer. The method includes sending, by a merchant terminal, a payment transaction request to a server system associated with a payment network. The payment transaction request comprises a payment transaction amount to be paid to a merchant account from an issuer account of the customer and a loyalty program identifier of the loyalty program associated with the merchant loyalty card. The method includes receiving a notification comprising a payment transaction approval message and a machine-readable script through the payment network. The machine-readable script comprises the loyalty program identifier and is executable by the merchant terminal. The method further includes storing the loyalty program associated with the merchant loyalty card with existing customer data in the payment card of the customer by executing the machine-readable script thereby integrating the loyalty program with the payment card.

A method for managing reward points which can be applied in a portable device with a secure element for storing reward points comprises exchanging near field communication data exchange format (NDEF) messages with a computer device when the portable device is placed in close proximity to the computer device. An application running on the portable device performs various reward points operations according to a payload of a received NDEF message and can update the reward points stored in the secure element following such operations.

Methods and server systems for facilitating earning of reward points on payment card transactions by users are disclosed. An estimate of reward points earned by a user in a preset interval is determined based on payment card transactions previously executed by the user. At least one option associated with a respective reward point target and a predetermined award for achieving the reward point target is generated. The reward point target is greater than the estimate of reward points. Subsequent to the user selection of an option, reward points earned in each future preset interval for a predefined time duration are tracked. In response to achieving the reward point target associated with the selected option in each future preset interval for the predefined time duration, the predetermined award associated with the selected option is credited to a payment account associated with the user.

Methods and systems are presented for providing a token exchange framework that enables exchanges of reward tokens corresponding to different reward systems and/or different merchants. The token exchange framework includes a blockchain for storing transaction data associated with transactions of reward tokens. During the onboarding process, reward systems associated with different merchants may be connected to the blockchain of the token exchange framework via one or more bridges. Reward tokens may be issued to represent reward data corresponding to the different reward systems, and can be freely exchanged within the token exchange framework via the blockchain. When a transaction for redeeming a reward is received, reward tokens in the blockchain can be converted into reward data corresponding to the merchant's reward system and process the transaction with the merchant using the converted reward data.

Disclosed herein are systems and methods for interacting with a consumer ledger. The systems and methods include: receiving a copy of the consumer ledger from one of a plurality of miners; adding a transaction to the consumer ledger; and transmitting the consumer ledger to the plurality of miners for conformation.

Decentralized computer systems and methods are disclosed for establishing and conducting payment processing with loyalty points using distributed ledger. One method includes: receiving a consumer identification, an issuer identification, and transaction information from a point of sale system when the loyalty card is presented for a transaction of a good or service at a merchant, identifying the network node containing distributed ledger associated with the issuer according to received issuer identification prompting, to participants of the shared ledger, to validate whether the consumer distributed ledger has required loyalty points for the transaction; if all of the participants of the shared ledger accepts the transaction, generating, a new immutable entry to the distributed ledger for the transaction with remaining loyalty points in the loyalty card after deducting the points required for the transaction; and sending a transaction approved message to the point of sale system at the merchant.

An end-user computing device may utilize an imaging device to capture input from an electronic tag of a physical asset. The end-user computing device may generate supplemental digital data associated with the input. The end-user computing device may transmit the input and the supplemental digital data to an authentication and digital assets server. The authentication and digital assets server may authenticate the physical asset and transmit the authentication results to the end-user computing device, which may display the authentication results. If the authentication of the physical asset is successful, the authentication and digital assets server may select one or more digital assets and transmit the one or more digital assets to the end-user computing device. The end-user computing device may display the one or more digital assets.

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.

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.

Disclosed herein are systems and methods for interacting with a consumer ledger. The systems and methods include: receiving a copy of the consumer ledger from one of a plurality of miners; adding a transaction to the consumer ledger; and transmitting the consumer ledger to the plurality of miners for conformation.