A rewards-based gaming system includes, in some embodiments, a gaming server, a rewards server, and a database server and integrates with the existing food or merchandise sales system of a business establishment. Patrons of the business have the opportunity to play a game, on an appropriately configured computing device, from a selection of games. Playing a game provides the player-patron with a chance to win rewards points, which can be electronically redeemed for prizes, using the same computing device. Game credits for playing games that are not free can be purchased for cash, cryptocurrency, or obtained in exchange for rewards miles or third-party loyalty points.

Web page data is generated for rendering coupons, for a currency of value available to a user for increasing a value of the coupons and for one or more activities that can be used to increase the currency of value. When at least one of the activities has been completed by the user, the currency of value is increased by an amount specified by the activity that has been completed. A selection is received of a coupon whose value is to be increased. Additional web page data is generated to including dollar amounts to which the coupon may be increased. When the user selects one of the dollar amounts, a number of the currency of value is determined corresponding to the selected dollar amount. The value of the coupon is increased by the selected dollar amount. The currency of value available to the user are decreased by the number of the currency of value corresponding to the dollar amount.

Discounted ticket prices for flight itineraries are obtained by purchasing merchandises offered by the airlines or by the airline partners. For example, duty free merchandises, souvenirs or specialty items are purchased together with the flight tickets to lower the prices of the flight itineraries.

A virtual wallet of a consumer is established for receiving and transferring units of rewards over a plurality of disparate communication channels and a plurality of disparate entities. Units of rewards are processed to credit the virtual wallet from an issuing entity to the consumer and the units of rewards are processed to debit the virtual wallet of the consumer and credit a redeeming entity. Moreover, the units of rewards represent blockchaining reward value.

This is a system for optimizing purchasing rewards, comprising a rewards management system data lake comprising a user database and a merchant database, wherein the user database is configured to store a plurality of purchasing options, and the merchant database is configured to store merchant data, wherein the merchant data comprises a merchant classification and transaction classification. The system comprises an optimization engine configured to analyze, periodically, the plurality of purchasing options against the merchant data to produce a reward value for each purchase option against the merchant type and the transaction type, and generating, periodically, a lookup table to rank the plurality of purchasing options based on the reward value. The system further comprises a transaction application programming interface configured to receive a transaction input, wherein the transaction input comprises a merchant code and a transaction code, evaluate the transaction input by matching the merchant code against the merchant classification and matching the transaction code with the transaction classification, identify an optimized purchasing option from the plurality of purchasing options in the lookup table, wherein the optimized purchasing option comprises the highest reward value, and generate a transaction output for the optimized purchasing option.

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, methods, and apparatuses for encouraging engagement with a rewards system are described herein. A customer associated with a customer device holds a rewards account with a provider associated with a provider computing system. The provider computing system receives rewards and payment card activity of the customer, analyzes the rewards and payment card activity, and generates a rewards engagement rating, which the provider uses to generate and transmit tailored rewards engagement messages to the customer device. The messages provide rewards earn and burn opportunities in which the customer can select to participate.

Disclosed is a method for managing a loyalty rewards program. The method comprises maintaining a plurality of loyalty reward accounts, each linked to a payment vehicle enrolled in the loyalty rewards program and each recording at least one loyalty index derived from purchases made using the payment vehicle, the at least one loyalty index being redeemable for any one or more of discounts, goods or services. The method also comprises accruing interest on the at least one loyalty index recorded for each of the plurality of loyalty reward accounts, administering accrued interest for each of the plurality of loyalty reward accounts in accordance with rules of the loyalty rewards program and increasing the loyalty index associated with one of the plurality of loyalty reward accounts by a factor determined in response to the accrued interest on that loyalty index.

A system for a customer initiated payment transaction includes a mobile device of a customer, a card of the customer having card information, and a merchant having merchant information and payment information. The mobile device is operative to process a card payment transaction by the steps of, the mobile device: receiving the merchant information and the payment information; being activated, for processing the card payment transaction, by the card; creating a payment authorization, request using the card information, the merchant information, and the payment information, and sending the payment authorization request to an acquirer; and receiving a result of the payment authorization request from the acquirer.

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.