A computer implemented method of operating a loyalty program using a computer system is provided. The method includes transmitting to communication devices associated with a corresponding plurality of consumers, who are members of the loyalty program, information describing at least one merchant, wherein the at least one merchant is a merchant that does not currently offer products in return for loyalty points of the loyalty program. The method further includes receiving, from the communication devices, selection data characterizing selections from among the at least one merchant. The method further includes collating the selection data to identify the at least one merchant, wherein the at least one merchant was selected by a number of the consumers that meets a criterion, the criterion indicating that the at least one merchant has been selected by a large number of the consumers.

The loyalty system allows a consumer to accumulate general loyalty points from one or more merchants, and convert any desired subset of general points to loyalty dollars associated with a specific merchant. The system stores, for each consumer, the merchant loyalty dollars (or monetary equivalent) by merchant within a remotely-accessible host database or within a smart card database. Upon conducting a purchase at a particular merchant, the consumer may utilize a code key to facilitate access to the consumer's own loyalty dollars for the particular merchant. The loyalty dollars are then applied to the purchase transaction as a discount or rebate. The consumer may also re-load the merchant loyalty dollar accounts.

Various embodiments herein relate to data processing, in particular with regard to a rule-based data processing engine. Such a rule-based data processing engine is employed in various embodiments to apply rules to customer data to generate offers of systems and programs, such as credit card and customer loyalty offerings, that achieve desired goals of an offering entity. One embodiment includes identifying at least one program for which an individual qualifies based upon data of the individual in view of respective program qualification criteria. This method further includes determining, for each identified program, at least one variable parameter of the respective program based on a respective parameter rule. This method then transmits, via a network, representations of each of the identified programs with respective determined parameters for presentation within a user interface.

An aggregated programs platform provides consumers with the ability to manage and consolidate the benefits and offerings of the consumers' available affinity, rewards, loyalty, health and wellness programs. The aggregated programs platform provides consumers with the ability receive real-time benefits at a point of sale based on identified products for purchase being associated with particular program providers' programs. Additionally, the aggregated programs platform provides providers with access to consumers in an informed and focused way.

A system is provided for processing a purchase transaction for a product selected by a member. The system includes: a gross margin module configured to calculate a gross margin based on a fair market value (FMV); a net margin module configured to calculate a net margin based on the gross margin, overhead costs, and transactional expenses; a lifetime value module configured to calculate a lifetime value associated with the member; and a yield engine configured to calculate a member preferred rate (MPR) based on the net margin and the lifetime value.

A computer-implemented method and computer system are proposed for assisting a consumer associated with a plurality of loyalty programs, and who wishes to obtain a reward using loyalty points. The consumer interacts with a computer system with access to a database containing information about the loyalty programs with which the consumer is associated and the number of points the consumer has accumulated in each program, and at least one reward database storing information relating to rewards on offer using the loyalty programs. The consumer specifies one or more parameters of the desired reward, and the computer system uses the databases to make at least one recommendation of which of the loyalty programs to use to obtain a reward with the specified parameters.

A resource allocation and conservation system comprises a network communication interface and a memory device storing a resource allocation and conservation application. A processing device is operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: receive a user resource data based on a user resource activity from a third party system associated with one of a plurality of independent third parties; and update a user record in the memory device with a user resource based on the user resource data and allocate the resource. A resource means a user benefit developed as a result of a user transaction with a third party or developed as a result of the user's relationship with a financial institution. A user resource generating activity may be a transaction such as the purchase of services or goods, the use of a credit card or the like.

A system determines points within a hierarchical marketing environment across several different business entities. The points are collected based on activities within the business entities. Three different categories of points are determined, with the difference in points being where the activities occur and whether points are redeemed for a discount or reward. A central server connects to a network of devices to redeem and collect points.

The invention facilitates pooling, gifting or transferring of geographic area loyalty points between accounts. The invention also facilitates a transfer of geographic area loyalty points from a consumer account associated with a sponsoring company to a consumer account associated with a host company. The invention may also facilitate gifting of loyalty points to charitable organizations on a recurring basis, wherein the gifting may transfer any portion of geographic based points to various charities. The system may also convert the geographic area loyalty points to a monetary value, thereby allowing the points to be donated to a charity such that the donation appears to be a monetary value donation to the charity.

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.