An application platform configurable for collecting user data associated with a plurality of retail-branded credit cards is provided. The application platform includes a configurable front end comprising a graphical user interface layer that is configurable to a specific one of the plurality of retail-branded credit cards, a backend layer comprising credit card functionality for directly performing credit card transactions associated with a specific one of the plurality of retail-branded credit cards, a data collection layer comprising a data collector for collecting user data associated with the plurality of retail-branded credit cards and an offer provider for providing an offer to a user based on the user data associated with said plurality of retail-branded credit cards.

A reward point system comprising an industry vertical reception unit for receiving a user selected monetary value in a selected industry vertical, a point collection unit for receiving a quantity of points associated with the monetary value in the selected industry vertical, a redemption vehicle profile creation unit for generating a profile, and a redemption vehicle generation unit for loading the profile onto a redemption vehicle wherein the points on the redemption vehicle can be redeemed at any merchant in the selected industry vertical. Also provided are methods for utilizing said system.

A system and method for operating a reward points accumulation and redemption program wherein a user earns reward points from a plurality of reward points issuing entities, each of the reward points issuing entities tracking the user's earned reward points in a user reward point account stored on a rewards server. A trading server accumulates the user's earned reward points from each of the reward servers interconnected over a network in association with consideration provided by the reward servers to the trading server and credits the accumulated points into a reward exchange account associated with the user. The user may then select an item for purchase from a merchant computer interconnected to the network. The merchant computer provides the item to the user in exchange for consideration received from said trading server, and the trading server reduces the number of points in the user's reward exchange account in accordance with the consideration provided to the merchant computer.

Provided herein are systems, methods, and computer readable storage media for facilitating registration of consumers in merchant rewards programs. In providing such functionality, the system can be configured to, for example, receive input of various consumer data, determine if the consumer data has already been registered in a rewards program, and if a consumer is not registered, facilitate the registration of the consumer in a merchant rewards program.

A method for delivering customized data items to users of electronic privilege cards includes receiving a customized data item to be delivered to a user having an electronic privilege card, identifying the electronic device storing the targeted user's electronic privilege card, and transmitting the customized data item to the electronic device. In one embodiment, the data item is an offer or coupon that the user may redeem from an entity associated with the electronic privilege card, such as a retailer or service provider. In another embodiment, the electronic device storing the electronic privilege card is a mobile telephone.

Systems and methods for re-routing parcels being delivered to attended delivery/pickup locations that have no capacity and/or ability to take delivery of the parcels. In various embodiments, in response to determining that the attended delivery/pickup location doesn't have sufficient capacity and/or ability to accept delivery of the parcel, the system is configured to: (1) re-route the parcel to a different location; or (2) hold the parcel for later delivery. In some embodiments, the system is configured to determine an appropriate response to determining that the attended delivery/pickup location cannot accept delivery of the parcel substantially automatically. In other embodiments, the system is configured to provide the parcel recipient with one or more re-routing options.

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.

A system and control method are provided for encouraging patron use of washrooms at commercial establishments. A plurality of commercial establishments are enrolled in a washroom rewards program, as well as patrons that may frequent or visit such establishments. Respective point values in the washroom rewards program are established for defined washroom activities performed by the patrons in the washrooms of the commercial establishments. The identity and location of the commercial establishments are provided to the patrons. Upon the patrons performing one of the defined washroom activities in one of the commercial establishments, the patron is identified and awarded credit of the points for the defined activity to a player account assigned to the patron. Provisions are made for the patrons to redeem accumulated points in their respective account for an award.

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.

Reward payments are applied to a first account and/or any linked second accounts at a financial institution. A computer program determines whether the first account qualifies for application of a reward, which may be a first alternate interest rate and/or a reward payment formula. The program communicates application of the reward to the first account and any linked second accounts for an accounting period applicable to the reward if the first account qualifies for the reward. In an event wherein the first account does not qualify for the reward, the program communicates application of the base interest rate to the first account and any linked second accounts for an accounting period applicable to the base interest rate.