The present disclosure involves systems, software, and computer implemented methods for automatically providing a lending offer for loyalty points based on a customer account analysis. One example method includes initiating an offer analysis for a customer account associated with a particular customer and storing an account balance and a point deficit balance. The offer analysis determines whether to provide an offer for a point loan, and is based on profile information of the customer, a current point balance, and a reward identified from the loyalty account. If an offer is to be provided, an offer for a loan of points equal to the difference between the current point balance of a loyalty account and the point value cost of the reward is transmitted to a client device of the customer. If accepted, the current point balance and the point deficit are both incremented by the amount of the offer.

A system and method for locating nearby attended delivery/pickup locations with a particular item in stock is described. The system receives a request from an individual to purchase a particular item from an on-line retailer. The system receives information associated with attended delivery/pickup locations, including location and inventory information. The system then determines which (if any) attended delivery/pickup locations (e.g., the attended delivery/pickup locations are not the on-line retailer) are near the individual and have the particular item in stock and notifies the individual. In various embodiments, the system enables the user to purchase or reserve the particular item at the particular attended delivery/pickup location.

A method for the transmission of data to a magnetic read head of a payment terminal. The method is implemented by an electronic device capable of generating a magnetic field representative of an encoding of the data to be transmitted, and the transmission of the data includes a plurality of emissions of a same sequence of standardized data. The standardized data is data representative of a payment means and is formatted according to the ISO/IEC 7813 standard. The method further includes transmitting secondary data that are emitted between two successive emissions of the sequence of standardized data.

According to one aspect of the present invention, there is provided a method for managing a medical information platform using a blockchain, the method comprising the steps of: dynamically calculating an exchange ratio between tokens and points, with reference to at least one of an amount of points that a user intends to exchange for tokens on a medical information platform, an amount of tokens that the user intends to exchange for points on the medical information platform, an amount of tokens present in a token pool managed by the medical information platform, and an amount of points previously exchanged for tokens on the medical information platform; and providing the user with the tokens or points exchanged with reference to the calculated exchange ratio.

An example system includes an e-commerce platform to: identify a customer identifier associated with a customer browsing a vendor e-storefront on the e-commerce platform; and a loyalty rewards system in communication with the e-commerce platform, the loyalty rewards system to: receive the customer identifier; identify a point balance associated with the customer identifier; determine whether the point balance satisfies a threshold condition; when the point balance satisfies the threshold condition, select a reward option; and send, from a nudge module, a nudge including the selected reward option for presentation by the e-commerce platform to the customer; and wherein the e-commerce platform is further to: in response to an indication from the customer to apply the reward option, store the reward option for a subsequent purchase; and in response to a selection of one or more items for the subsequent purchase, apply the reward option to the selection.

A method for facilitating transactions is provided. Various users register their payment modes to avail a payment mode interchange service offered by a server for online purchases. During registration, the users specify corresponding offer amounts in exchange for allowing purchases of other users to be performed by using their payment modes. When an offer on a purchase is not applicable on a payment mode of a first user, the first user is recommended by the server to make the purchase by using a payment mode of a second user on which the offer is applicable. The payment mode of the second user is charged with a purchase amount of the purchase and the offer amount specified by the second user is billed on the payment mode of the first user. The second user receives the offer amount and the first user receives an incentive associated with the offer.

Embodiments relate to methods and systems for managing information between merchants, intermediaries, and/or end users. The method includes providing a first detectable identifier for a first unit of a product. First detectable identifier is different from a second detectable identifier for a second unit of the product. First detectable identifier includes instructions which, when detected by a user device, causes the user device to send a redemption request. Responsive to receiving the redemption request from a user device, performing a redemption process. Redemption process includes obtaining an information payload for the first unit of the product. Information payload includes a redemption reward; and a redemption status. Redemption status is an unredeemed status or redeemed status. Redemption process includes identifying the redemption status for the information payload. Responsive to a determination that the redemption status is the unredeemed status, the redemption process includes transferring, to the user, the redemption reward.

The present disclosure involves systems, software, and computer implemented methods for automatically providing linking partner loyalty rewards accounts using authorized user and primary user information associated with an account. One example method includes authenticating a user at a partner system, and receiving from the user information associated with an account. The information associated with user's account is communicated to a financial institution system via an API where the user can then be verified as an authorized user on an account. The financial institution system then provides the partner system with information associated with the primary user of the account, and the partner system can link a loyalty account of the primary user with the loyalty account of the authenticated user.

This disclosure provides a loyalty program on a network-wide level. Embodiments may associate UPC and SKU data on a network level to reward consumers and/or to analyze the data for a variety of business purposes, such as market segmentation analyzes and/or analyzes relating to consumer spending behaviors or patterns, for example. In accordance with one embodiment, the network may comprise any number of participants, including consumers (such as primary and supplementary members of an aggregate consumer account), retailers (e.g. including any of their employees), manufacturers, third-party providers, and the like. In accordance with one embodiment, this disclosure enables participation by supplementary members who are associated with a primary member and, in this manner, facilitates the tracking of supplementary member purchasing behavior, reward points earning behavior, and reward points redemption behavior.

A virtual punch card rewards system is described. The system includes a user database that stores user information concerning a plurality of users, a network interface configured to communicate data over a network, 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 transaction information concerning a payment account belonging to a user, determine a reward category for the user based on the retrieved transaction information, generate virtual punch card parameters for the user based on the determined reward category, and transmit, by the network interface over the network, virtual punch card content to a computing device associated with the user, the virtual punch card content including a first graphical interface configured to present the user with at least one of the generated virtual punch card parameters.