A computer-implemented integrated loyalty points management system and method includes a plurality of affiliate servers, an integrated loyalty points management server, and a loyalty pool. The affiliate servers may process purchases of loyalty points for issuing to customers. Loyalty points may be integrated loyalty points, which are issued by each of the affiliates for a purchase or purchases made by a customer. Any of the affiliate servers may process redemption of loyalty points by customers for goods, services, or money. The affiliate server may communicate with the integrated loyalty points management server and the loyalty pool to exchange redeemed loyalty points for cash.

A computer-implemented integrated loyalty points and non-integrated loyalty points management system and method includes a plurality of affiliate servers, an integrated management server, and a loyalty pool. The affiliate servers may process purchases of loyalty points for issuing to customers. Loyalty points may be integrated loyalty points or non-integrated loyalty points, which are issued by each of the affiliates for a purchase or purchases made by a customer. Any of the affiliate servers may process redemption of loyalty points by customers for goods, services, or money. The affiliate server may communicate with the integrated management server and the loyalty pool to exchange redeemed loyalty points for cash.

In accordance with an embodiment, an information processing apparatus includes an exchange processing start key, a display, and a controller. The exchange processing start key receives an operation to instruct to start point exchange processing of exchanging points into an exchange commodity. The display displays an exchange registration screen including information regarding the point exchange processing. The controller controls the display to display the exchange registration screen when the exchange processing start key receives the operation.

A transaction is conducted at a merchant location using redeemed loyalty points maintained in a loyalty point account for a customer. The transactions are conducted using a mobile device at a POS terminal. In response to receiving a customer ID from the mobile device, a loyalty server provides the monetary value of loyalty points. The customer may use the mobile device to redeem those points and have the value transferred into a financial account. A payment processing system connected to the POS terminal completes the transaction using the financial account.

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.

An electronic payment system is for a point-of-sale (POS) device to transfer funds from a purchaser account to a merchant account. The POS device is to send a merchant transaction identification (ID) and transaction information. The electronic payment system includes a mobile wireless communications device to send a purchaser transaction ID and purchaser account access information. A payment processor server is to receive the purchaser transaction ID and purchaser account access information, and further configured to send the transaction information to the mobile wireless communications device if the merchant transaction ID matches the purchaser transaction ID. The mobile wireless communications device also sends confirmation of the transaction information to the payment processor server, and also effects a transfer of funds from the purchaser account to the merchant account based upon the confirmation of the transaction information and the purchaser account access information.

Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.

A client device detects a QR code (or NFC tag). The client device decodes the QR code. The client device determines that the data encoded within the QR code includes a URL. Based on the URL, the client device sends a first request to a first server identified by the URL. In response to the first request, the client device receives from the first server data configured to cause the client device to display, to a user of the client device, at least one of: a video or an interactive web page. Responsive to the data encoded in the QR code, the client device sends to a coupon server: identification data associated with a user of the client device, and a request for the coupon server to distribute a digital coupon for an offer associated with an identifier encoded within the QR code to an account associated with the user.

In general, intelligent fuel dispensers are provided. In at least some implementations, an intelligent fuel dispenser can determine customer identities and/or other characteristics and provide customized fueling sessions based on the determined customer identities and/or other characteristics. In at least some implementations, the fuel dispenser includes a touchless interface allowing customers to complete fueling sessions with minimal physical contact with the fuel dispenser.

In general, intelligent fuel dispensers are provided. In at least some implementations, an intelligent fuel dispenser can determine customer identities and/or other characteristics and provide customized fueling sessions based on the determined customer identities and/or other characteristics. In at least some implementations, the fuel dispenser includes a touchless interface allowing customers to complete fueling sessions with minimal physical contact with the fuel dispenser.