Various embodiments are generally directed to utilizing an offline and/or online verification or authentication protocol to access, redeem, or otherwise utilize multiple loyalty points and loyalty accounts A method for utilizing various loyalty points includes: receiving, by an application executing on a processor, a request to redeem at least one loyalty point of a plurality of loyalty points of a loyalty points account, receiving, by the application, a cryptogram from a contactless card associated with an account, transmitting, by the application to a server, the cryptogram, determining, by the application based on a decryption result received from the server, that the server decrypted the cryptogram, and authorizing, by the application based on the determination that the server decrypted the cryptogram, the request to redeem the at least one loyalty point.

A computing system for encouraging the performance of a task comprises association data, a proxy module, a display module, and a reward module. The association data associates tags with stimuli related to performing tasks. The proxy module is configured to receive encoded data, to identify tags in the encoded data that have associated stimuli in the association data, and to generate modified encoded data that includes data representative of at least one of the stimuli. The display module is configured to receive the modified encoded data, to display information based at least in part on the modified encoded data, and to provide at least one mechanism for a user to perform a task related to at least one of the stimuli. The reward module is configured to reward a user for performing tasks related to the stimuli.

A computing system for encouraging the performance of a task comprises association data, a proxy module, a display module, and a reward module. The association data associates tags with stimuli related to performing tasks. The proxy module is configured to receive encoded data, to identify tags in the encoded data that have associated stimuli in the association data, and to generate modified encoded data that includes data representative of at least one of the stimuli. The display module is configured to receive the modified encoded data, to display information based at least in part on the modified encoded data, and to provide at least one mechanism for a user to perform a task related to at least one of the stimuli. The reward module is configured to reward a user for performing tasks related to the stimuli.

Techniques described herein include a platform and process enabling an electronic appliance to locally store payment credentials, loyalty point information, receive price comparison information for an item, redeem rewards or loyalty points to determine a best offer for the item, and enable delivery of said item to a user with minimal user interaction. In some embodiments, an electronic appliance can receive a query for offers for an item, receive order information from a plurality of merchants about the item, and apply loyalty points to determine an offer for the item. Upon receiving confirmation the electronic appliance may transmit access credentials for ordering the item for delivery and updating the loyalty point information for the account utilized to purchase the item from the determined offer.

A computer-implemented method for enhancing payment transaction authentication using a merchant loyalty scheme is provided. The method is implemented using a verification computer device in communication with a memory. The method includes receiving an authentication request message for a payment transaction originating from an originating merchant for a cardholder. The authentication request message includes a reward redemption flag. The method also includes determining that an authentication challenge is needed based on the authentication request message, transmitting an authentication challenge to the user if the reward redemption flag is not set, determining that the authentication challenge may be bypassed based on the reward redemption flag if the reward redemption flag is set, generating an authentication response message based, at least in part, on at least one of reward redemption flag and the authentication challenge, and transmitting the authentication response message to the originating merchant.

A method for determining customer lifetime value using an incentive system to provide for geographically limited rewards earned for transactions includes tracking payment card transactions between enrolled payment cardholders and enrolled merchants, creating a database of rewards eligible transactions, instructing a virtual payment card issuer to apply the rewards amount for each rewards eligible transaction to an account, receiving transaction authorization requests from the virtual payment card issuer corresponding to enrolled cardholders requesting to spend rewards within their corresponding account, if the transaction is occurring within a prescribed geographic area in which rewards can be spent, transmitting an authorization for the virtual card issuer to complete the transaction using the rewards, establishing a cohort of enrolled payment cardholders and associated transaction data, and calculating a custom lifetime value for the enrolled payment cardholders within the cohort, the calculation based on the transaction data acquired by the incentive management system.

A method for item obtainment via automated discharge includes: obtaining first data associated with a user profile of a user, the first data including information associated with one or more items selected by the user, via a graphical interface operating on a user device associated with the user; monitoring user activity of the user profile, the user activity including one or more of obtainment interactions made by the user indicated by interaction data associated with the user profile, a value amount accumulated by the user profile, or a discharge schedule; based on the monitoring of the user activity, determining whether one or more criteria for automated discharge are satisfied for at least one of the one or more items of the first data; and in response to the one or more criteria being satisfied for at least one item, performing a discharge action for the at least one item.

Systems, methods, and apparatus are disclosed for managing a loyalty program. In some embodiments, a system includes a loyalty program management (LPM) system and a point-of-sale (POS) terminal. The POS terminal is configured to read a membership identifier, identify a plurality of goods, complete a sale of the identified plurality of goods to the member, and transmit, to the loyalty program management system, the read membership identifier and information about the identified plurality of goods. Based on the received information, the LPM system is configured to identify one or more point categories, and update earned loyalty points of the member in each of the identified one or more point categories. The LPM system is further configured to provide the POS terminal with a redemption value to be applied to the sale.

An exemplary system, method and computer-accessible medium can include receiving information regarding a purchase by a person, receiving financial account information regarding a financial account associated with the person that was used to fund the purchase, generating rewards information associated with the purchase, generating an authentication token(s) based on the financial account information, sending the rewards information and the authentication token(s) over a network, and receiving a confirmation, over the network, that a rewards account associated with the person has been updated.

A method for confirming post-authorization erasure of a transaction payment using reward points includes: storing account profiles including data related to reward accounts, each including an account identifier and point amount; receiving a transaction message associated with a payment transaction, the message including a specific account identifier and transaction amount; identifying a specific account profile that includes the specific account identifier; calculating a point cost based on the transaction amount; identifying an authorization reference key associated with the payment transaction and specific account profile; identifying a unique identifier associated with the authorization reference key; storing an authorization record including authorization reference key and unique identifier; generating a request message including the identified unique identifier one of: the point cost and transaction amount; and transmitting the request message to a consumer associated with the specific account profile.