Methods and systems are disclosed for real-time calculation of rewards associated with a commercial transaction. A real-time calculation of rewards can be associated with card payment transactions occurring on a payment account. In an aspect, a customer swiping their bank card at a merchant point of sale to initiate an authorization for a purchase can trigger notification and deliver of rewards associated with the pending commercial transaction.

An online transaction processing service may be used by a merchant to process payments for purchase transactions. The service may also support the merchant in other ways, such as by managing sales promotions and points-based loyalty programs. The service is configured to recommend the number of points to be redeemed for a particular sales promotion. The recommendation may be based on promotional goals of the merchant, on the number of reward points held by the customers of the merchant, on historical redemption rates by qualifying customers, etc.

A method of promoting a business of goods and services by a business entity is provided. The method involves sharing a proportion of the profit made by the business entity from a customer with the customer, wherein a proportion of the bill amount incurred by the customer is credited to an account/record associated with the customer and the customer could redeem a certain proportion of the accumulated balance in his/her record during their subsequent purchases. The shared profit could entice potential customers and bring back the old customers, without the need for the business entity to spend on advertisements, or providing discount coupons and vouchers.

Methodologies and apparatuses create and utilize member profiles and provide members the ability to combine their use of actual currency and virtual currency created by a travel partner using common virtual currency to obtain a product and/or service available from a wide variety of vendors. Further, the use of common virtual currency enables formulation, management, comparison and presentation of options for using virtual currency specific to travel partners.

A system and method for providing a consumer with at least one merchant offer. The method comprises identifying an end destination of the consumer, the end destination having an associated activity and activity cost, providing to the consumer the at least one merchant offer based on the end destination, the at least one merchant offer having an associated reward and an associated conversion ratio, prompting the consumer to select one of the provided at least one merchant offer and upon proof of fulfilment of the activity and disbursement in goods and/or services of the merchant by the consumer greater or equal to the activity cost multiplied by the conversion ratio of the selected merchant offer, providing the reward associated with the selected merchant offer to the consumer.

A client engagement and loyalty platform is provided. The client engagement and loyalty platform may receive, at a communication device, an order summary identifying a plurality of items, wherein the order summary is associated with a user account. The client engagement and loyalty platform may also receive, at the communication device, identification information, the identification information including one or more identifiers associated with a retail establishment. The client engagement and loyalty platform may also associate, based on the one or more identifiers of the retail establishment and the order summary, a plurality of reward points with the user account. The reward points can be redeemed to purchase merchandise and/or services.

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.

A device may receive, from a user device, credentials for a transaction account associated with a user. The device may provide, to a merchant device, authorization information enabling access to an indication of an incentive status associated with the user and the transaction account, wherein the incentive status indicates whether an incentive is available for the user. The device may receive, from the merchant device, an incentive status request including the authorization information. The device may determine that the authorization information is valid and is associated with the transaction account. The device may determine a current incentive status for the incentive, wherein the current incentive status is based on a satisfaction of a condition associated with the transaction account. The device may provide, to the merchant device, the indication of the current incentive status for the incentive.

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.

A system for enhancing payment card data security comprising a card payment terminal compliant with a security requirement for payment cards and a processing environment non-compliant with a security requirement for payment cards is disclosed. The compliant card payment terminal is configured to generate a token from a payment card data presented to the card payment terminal and transmit the token and a set of transaction parameters to the data processing environment non-compliant with a security requirement for payment cards. The non-compliant data processing environment is configured to receive the token identifying a security specification comprising at least one security parameter associated with the token and receive the set of transaction parameters and determine whether the transaction parameters submitted to the non-compliant data processing environment satisfy the at least one identified security parameter and provide a response to the compliant card payment terminal comprising the determination. The compliant card payment terminal is configured to initiate fulfillment of the transaction submitted to the compliant card payment terminal satisfying the at least one security parameter.