The present invention relates to Augmented Reality (AR) advertising in taxi rides. More specifically the invention relates to a mobile application utilizing existing taxi application maps for immersive, landmark-triggered AR advertisements. The disclosed landmark-triggered advertising in taxi rides provides the alignment of ads with specific landmarks on the user's route, the invention provides relevant and engaging content based on their potential interests and location.

A method and system for leveraging an existing issuer user application, associated with a payment network, to create centralized merchant loyalty platform. The centralized merchant loyalty platform consolidates computing resources from different merchant systems to a centralized processing system. The centralized processing system creates a scalable computing platform that allows for loyalty programs associated with a plurality of different merchants to be seamlessly accessed through the existing issuer user application.

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.

Methods and systems for processing trip-based insurance policies for vehicles. According to aspects, a trip-based insurance policy of a vehicle specifies an amount of trip units for insured vehicle travel and has an associated policy term. In certain cases, a customer may exhaust trip units before an expiration of the policy term. The methods and systems therefore enable the purchase of additional trip units so that the customer remains insured. In other cases, upon expiration of the policy term, an insurance provider may calculate an amount of unused trip units. The insurance provider may determine one or more types of credit that are based on the amount of unused trip units. The insurance provider may also apply the one or more types of credit to an account of the customer.

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.

A loyalty program management system associated with an enterprise location is provided. The loyalty program management system is programmed to: a) receive a plurality of input data associated with a plurality of patrons, wherein the plurality of input data represents actions of the plurality of patrons; b) determine a current location of a patron of the plurality of patrons, wherein the current location of the patron is not at the enterprise location; and c) transmit a message to a computer device associated with the patron including a prize to be awarded if the patron visits the enterprise location.

An automated teller machine (ATM) includes a network interface, an input/output device configured to exchange data with a customer, and a processing circuit comprising a processor and memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive account information identifying a credit account associated with the customer, transmit the account information identifying the credit account, receive reward information associated with the credit account, display a reward indication notifying the customer of reward information and providing the customer with an ability to indicate a preference to perform a currency reward withdrawal, receive data comprising an indication of the preference of the customer to perform the currency reward withdrawal, transmit a redemption request based on the indicated preference, receive a redemption request authorization, and dispense an amount of currency corresponding to an amount identified in the redemption request authorization.

An electronic payment system is for a merchant server to transfer funds from a purchaser account to a merchant account, the merchant server to send a merchant transaction identification (ID) and transaction information. The electronic payment system includes a mobile wireless communications device to send a purchaser transaction ID and purchaser account access information. A payment processor server is to receive the purchaser transaction ID and purchaser account access information, and is also to send the transaction information to the mobile wireless communications device if the merchant transaction ID matches the purchaser transaction ID. The mobile wireless communications device is also to send confirmation of the transaction information to the payment processor server. The payment processor server is also to effect a transfer of funds from the purchaser account to the merchant account based upon the confirmation of the transaction information and the purchaser account access information.

This invention provides a new method of allowing sports sponsorship that does not require the installation of physical advertising materials to gain exposure during a game. First, the apparatus 110 grants a quantity of points to the fan in response to an action by the fan (S201). The actions to which points are granted are those designated by the sponsor company using the company terminal 120. At least part of the source of the points granted to the fan is borne by the sponsor company. Next, the apparatus 110 receives a request from the fan terminal 140 for a possible digital gift using the points granted (S202). The points shall be usable for a digital gift to a given sports team. The apparatus 110 then adds the number of points earned in accordance with the number of points for the digital gift included in the gift request to the points earned by the sports team to which the gift is to be given (S203).

Various exemplary devices, systems, and methods relating to a payment management system for an electric vehicle (EV) charging station are provided. In general, an EV charging station controller is configured to control an operation of the EV charging station and initiate an EV charging transaction upon receiving an indication of approval of payment for delivery of electrical charge from the EV charging station using a credit card or a debit card via a point-of-sale (POS) terminal. In another embodiment, the EV charging station controller is configured to initiate an EV charging transaction upon receiving an indication of approval of payment for delivery of electrical charge from the EV charging station using a loyalty card via the POS terminal. The loyalty card can be associated with customer payment information locally stored in a database of the EV charging station.