Systems and methods are described for receiving behavior data associated with a plurality of users, generating a predictive model, receiving location data associated with the plurality of users, receiving service provider utilization data, determining, based on the predictive model, the location data, and the service provider utilization data, one or more recommended awards, transmitting to a subset of the plurality of users an offer to exchange a number of points to enter a drawing to win the one or more recommended awards, and receiving one or more requests to enter the drawing to win the one or more recommended awards in exchange for points.

Systems and methods are provided for incentivizing a user to purchase a cruise. A shopping portal is provided to the user that includes a plurality of products for purchase. For each purchase transaction completed by the user, a fair market value (FMV), a cost basis, and a gross margin are determined, wherein the gross margin is based on the difference between the FMV and the cost basis. A portion of the gross margin is allocated to a savings account associated with the user. The savings account can then be applied to the purchase price of a cruise.

Systems and methods are provided for normalizing hotel rooms across independent distribution channels. The method includes creating a meta-category matrix of sameness metrics for the hotel rooms based on a set of attributes. Room descriptions for a plurality of the hotel rooms are retrieved from a plurality of the independent distribution channels. Equivalent hotel rooms are automatically assigned to the same meta-category based on a rule set applied to the retrieved room descriptions and the set of attributes. Hotel rooms that do not correspond to one of the meta-categories are identified, and are manually assigned to a meta-category. The rule set is then revised based on the manual assignment.

The present invention is a system, data access management utility and a method of generating links between local merchants and community programs, whereby the merchant may provide incentives to customers in relation to community programs. The present invention may track community programs, as well as both online and offline customer transactions between participants that make use of the incentive. The present invention may include as participants, customers, merchants, community organizations, intermediaries, and other groups or individuals. Participants may have participant identifiers, which may be linked to a payment source. Data may be collected about all participants, either expressly, or from offline or online transactions between participants utilizing a participant identifier, and said data may be stored in a data storage area. All data in the data storage area may be utilized by logic tool, which may provide information, such as details of consumer behavior and analytic reporting. Matches between transactions and members and/or member activities may be identified by the system, and a level of certainty that the match is accurate may be determined.

A computer system for defining attributes associated with attended delivery/pickup locations is described. In various embodiments, the system is configured to enable an authorized user (e.g., a manager of an attended delivery/pickup location) to define certain attributes of a particular attended delivery/pickup location. In some embodiments, the system is configured to verify that the particular user is authorized to define the one or more attributes associated with the particular attended delivery/pickup location (e.g., by checking a list of one or more authorized users). Once the one or more attributes are defined, in one or more embodiments, the system is configured to accept or reject parcel delivery requests based at least in part on the attributes. In further embodiments, the system is configured to facilitate a return of a particular item to a retailer via the attended delivery/pickup location.

Systems and methods for dynamically configuring a user interface for multiple uniquely branded sites is provided. The method includes receiving, from a user, a credential and a selected product category. The method includes executing one of a number of business rule sets based on a brand identifier for a site. A number of price points are retrieved from remote servers using the retrieved product rule set. A fair market value (FMV) for the requested product using the plurality of price points. A cost basis for the requested product is retrieved from a database. A member preferred rate (MPR) for the requested product is calculated based on the FMV, the cost basis, the executed business rule set, and the lifetime value. The FMV, MPR, and a plurality of hyperlinks corresponding to a subset of the plurality of remote servers are displayed simultaneously via the user interface.

Systems and methods provide a real time cash incentive to a user for purchasing a hotel room using a web-based portal. The method includes prompting the user to provide a date, a geographic location, and a credential, then determining a consumer class and a lifetime value for the user based on the credential. Respective price quotes are received from a plurality of remote websites based on the date and geographic location. A weighted algorithm is applied to the price quotes to determine a fair market value (FMV), wherein the weights are based on the consumer class. A member preferred rate (MPR) is determined based on the FMV and the lifetime value, wherein the difference between the MPR and the FMV comprises a savings value. The method further includes displaying, on a user interface associated with the web-based portal, the FMV, the MPR, and indicia of the plurality of remote websites upon which the FMV is based.

Method, system and product for cross-enterprise matching of assets to members. One method comprises generating a plurality of asset templates redeemable in a set of vendors participating in a campaign; and applying a matching logic to uniquely and persistently match each asset template with a member, wherein the matching logic is based on a universal member property, wherein the universal member property is a property of a member that is applicable by each participating vendor and is vendor-defined and the value of which is automatically computed based on a vendor definition. Another method comprises determining a modified campaign definition using a campaign modification obtained from a vendor and based on a campaign definition; generating asset templates based on the modified campaign definition; applying a matching logic to obtain a list of matched members each of which is persistently matched with an asset template.

A wireless device is enabled to process a transaction. In one implementation, the wireless device receives card data for a plurality of financial account cards and stores the card data in memory associated with the wireless device. The wireless device determines merchant information for the transaction and determines rewards benefit information for at least some of the plurality of financial account cards. The wireless device provides a suggestion of at least one of the plurality of financial account cards to use in the transaction based on the determined rewards benefit information.

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.