A method for processing a transaction initiated using an electronic wallet application may include storing a virtual payment device configured to initiate a transaction. A rewards inquiry may be communicated to an issuer. A rewards inquiry response may be received from the issuer containing a rewards amount associated with the virtual payment device. The rewards amount may be displayed. A transaction may be initiated with a merchant using the virtual payment device. A redemption request may be communicated to the issuer. A redemption response including an updated rewards amount may be received from the issuer and include a difference between the rewards amount and the rewards amount applied toward the transaction. A system and computer program product are also disclosed.

The ECO ADVANTAGE MEDIATION APPARATUSES, METHODS AND SYSTEMS (ECO ADVANTAGE) transforms transaction and user, merchant, and payment data inputs into eco, transaction, and region analytics outputs. In some implementations, ECO ADVANTAGE receive a request for a user's transaction value modifier (TVM) balance and a merchant's current TVM schedule from a merchant, receive a TVM transaction confirmation indicating a transaction has been successfully processed and TVM transaction data, debit from a user's account an amount of TVMs received from another merchant in a previous transaction for use in the transaction, credit to the user's account an amount of TVMs based on the TVM transaction data, and store TVM transaction data in a TVM transaction record.

A system and methods for tracking and fulfillment of casino gift items. For instance, the system animates a list of gifts that are available to the player account via a casino gifting promotion. One or more of the gift items can be pre-selected before being earned during one or more subsequent gaming sessions. The pre-selected gift items appear on a user interface that combines content for the gifting promotion with content for a wagering game played during the one or more gaming session. A progress meter, for each gift item, shows an incremental increase in rewards points until enough rewards points accrue to redeem the gift item. The system automatically interfaces with a store front that provides the gift item. The system transacts fulfillment of the gift redemption and initiates (via the store front) the shipment of the gift item directly to a mailing address associated with the player account.

Systems and methods are described for providing an enhanced rebate and marketing program which may automatically enroll a consumer in a loyalty programs after the consumer completes rebate form; filter consumer information to provide to customer relationship management campaigns; capture real-time consumer responses to queries; provide real-time and dynamic, targeted offers and other communications to consumers and recipients; and provide bonus added value to consumer received rebates.

A computer system for issuing customer loyalty rewards includes a rewards regulator in electronic communication with a plurality of communication service providers (CSPs), which supply network connectivity and related services to a group of customers. The rewards regulator includes a rules engine for establishing and maintaining a set of rules for issuing customer loyalty rewards based on defined parameters of customer data use. The rewards regulator additionally includes a rewards engine configured to electronically receive customer data use information from the plurality of communication providers, compare the customer data use information against the set of rules maintained by the rules engine and, when applicable, establish customer loyalty rewards to be issued in compliance with the set of rules. At least one rewards organization in electronic communication with the rewards regulator is configured to receive and process customer loyalty rewards determined by the rewards engine.

The present invention teaches a system, method and computer program for enabling local or regional merchants to participate in an automated cause marketing (ACM) program using mobile devices. The ACM program that may provide benefits to several parties involved in fundraising for one or more supported organizations, including one or more supported organizations, advertising providers, merchants, and individuals. Merchants are able to access enhanced analytics regarding their transactions with members and non-members of the ACM program and can use these enhanced analytics to realize an increased number of or revenue from transactions with members. The present invention also teaches a system and method for enabling advertising providers to acquire and analyze data associated with consumers-merchant transactions. The present invention provides the above features optimally using mobile devices. Furthermore, the present invention, may enable a member to disseminate its charitable preferences and contribution notifications to members of its electronic social networks.

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.

Systems and methods describe providing alternate redemption options. One aspect involves receiving an order, analyzing consumer information using a redemption options algorithm to obtain redemption options including an alternate redemption option, providing an initial gift notification to a recipient device based on the gift order, the initial gift notification including the alternate redemption option, receiving an alternate redemption request, transmitting an alternate redemption information request, receiving alternate redemption information, adding alternate redemption information to the historical consumer information to obtain updated historical consumer information, training the redemption options algorithm using the updated historical consumer information to obtain an updated redemption options algorithm, and performing an alternate redemption action set using the alternate redemption information. Alternate redemption options may include an option to regift a gift, to donate the value of a gift to a donation recipient, and/or to donate a positive balance remaining after the redemption of a gift.

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.

There are provided a point management system and a point management method allowing effective use of points acquired by a customer, etc., and prevention of a waste in points. Therefore, exchange for various points or points having acquired a digital ticket is possible, exchange using foreign currency is possible, and the number of points desired to be traded for each type of currency, and a rate as a standard for exchange of each type of currency to one point are displayed on an exchanging currency selection screen. A standard number of points converted to one US dollar, one European euro, and one Chinese yuan, for example, is displayed, making it easy to understand transaction conditions under succeeding sales transaction status. Moreover, for example, point exchange conditions are displayed as a list and confirmed, thereby allowing specification of one's own exchange conditions, and allowing exchange of points etc. based on specification of accepted exchange conditions.