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. 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 advantages optimally using a mobile device. Furthermore, the present invention, may enable a member to disseminate its charitable preferences to members of its electronic social networks.

A method may include: receiving from a user computer program, a selection of a good or service to purchase from a good/service provider using loyalty points and an identification of a date for an event associated with a purchase; determining that the user does not have sufficient loyalty points in a user loyalty point account for the purchase; predicting a predicted number of loyalty points that the user will earn before the date of the event; approving the purchase and borrowing loyalty points necessary for the purchase; conducting the purchase using loyalty points in the user loyalty point account and the borrowed loyalty points; periodically reducing a borrowed loyalty points balance against new loyalty points earned by the user by redeeming the new loyalty points; determining at the date of the event, a final loyalty points deficiency; and executing a transaction to pay for the final loyalty points deficiency.

The disclosure provides a posture support garment device with a back band, axilla region portions extending under the armpits and over shoulders, scapular region portions forming a cross-back structure, underarm regions, and a forward fastening portion. This design applies tension to improve posture while maintaining position during movement. An incentive system is disclosed with usage sensors, data analysis, value establishment, and credit exchange mechanisms. A flexible framework allows expanding motivations and contributions. A feedback system incorporates sensors to capture user signals, haptic devices for sensory feedback, and functional elements to analyze data and provide feedback, assisting users in regulating physiological states. The garment's unique structure, combined with integrated sensing and feedback capabilities, offers a comprehensive solution for posture improvement and user engagement.

An online system displays an ordering interface and, responsive to receiving a request from a client device associated with a user to place an order, retrieves information describing a set of unused credits provided to the user by each of one or more programs. The system identifies a set of the program(s), wherein the set of unused credits provided by each identified program is eligible to be used for acquiring an item in the order. The system accesses and applies a machine-learning model to predict an expiration of the set of unused credits provided to the user by each identified program based on the retrieved information and a current time. The system ranks the set of programs based on the prediction(s), determines a default allocation of a subset of each set of unused credits to the order based on the ranking, and updates the interface to include the default allocation.

Disclosed are various embodiments for generating user points for payment actions applied to an owed balance from eligible payment accounts or source accounts associated with an entity. In some examples, a system comprises a client device that is configured to receive payment action data from a client device associated with a user identifier. A payment action is identified for an owed balance assigned to the user identifier. The payment action comprises a first identifier for a source account and a second identifier for the owed balance. A common attribute is identified between the first identifier and the second identifier. A payment amount for the payment action is determined to have been held for a threshold time period. The payment amount for the payment action is determined to have been cleared. A user point amount for the user identifier is generated.

Decentralized computer systems and methods are disclosed for establishing and conducting payment processing with loyalty points using distributed ledger. One method includes: receiving a consumer identification, an issuer identification, and transaction information from a point of sale system when the loyalty card is presented for a transaction of a good or service at a merchant, identifying the network node containing distributed ledger associated with the issuer according to received issuer identification prompting, to participants of the shared ledger, to validate whether the consumer distributed ledger has required loyalty points for the transaction; if all of the participants of the shared ledger accepts the transaction, generating, a new immutable entry to the distributed ledger for the transaction with remaining loyalty points in the loyalty card after deducting the points required for the transaction; and sending a transaction approved message to the point of sale system at the merchant.

In generating links between local merchants and community programs, a merchant may provide incentives to customers in relation to community programs. Community programs may be tracked as may online and offline customer transactions using the incentive. Participants may include 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 behaviour 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 network computer system records deposits to a donation funding account that is shared amongst a plurality of users. The donation funding account includes a total fund that is based on the recorded deposits for the plurality of users. The network computer system maintains an allocation profile for each of the plurality of users, where the allocation profile identifies, for each user, one or more user-selected organization recipients and an allocation of a portion of the total fund that is attributable to that user. In response to a given event, the network computer system automatically generates an output such as a donation acknowledgment report, based on the allocation profile specified by the respective user. The described by various examples, the output can be in the form of a visual representation and/or report.

An end-user computing device may utilize an imaging device to capture input from an electronic tag of a physical asset. The end-user computing device may generate supplemental digital data associated with the input. The end-user computing device may transmit the input and the supplemental digital data to an authentication and digital assets server. The authentication and digital assets server may authenticate the physical asset and transmit the authentication results to the end-user computing device, which may display the authentication results. If the authentication of the physical asset is successful, the authentication and digital assets server may select one or more digital assets and transmit the one or more digital assets to the end-user computing device. The end-user computing device may display the one or more digital assets.

Systems and methods for golf course tee time booking, score tracking, and customer relationship management are disclosed in near real-time. The system may be used for administering a loyalty program whereby loyalty points are earned and automatically redeemable for future purchases at golf courses, and for providing rate integrity. For example, the price in dollars for a deal (and the associated fees and taxes) is automatically converted into a point value which is displayed as the purchase price for the deal instead of the dollar amount. The system may be used for automated score tracking for individual rounds of golf, tournaments or leagues. The disclosed system can agglomerate tee time booking and score tracking for individual golf courses or associations of affiliated courses thereby providing customers with a centralized booking system and loyalty program.