A method that includes receiving a string from a remote station, the string associated with an interaction event between a user and the remote station, is provided. The method includes verifying that the string includes a content validation for a user account in a network service, mapping at least a portion of the string to a ticker symbol associated with an entry in a database and transmitting, to the user, a message indicating that a fractional value associated with the ticker symbol has been added to the user account in the network service. A system configured to execute the above method is also provided.

The innovation disclosed and claimed herein, in one aspect thereof, comprises systems, methods and computer program products that enable transactions requested by a user using a trade asset card. The innovation enables the transactions to be completed in real time or near real time per pre-determined rules and settings, or audited changes to rules and settings, while staying perpetually invested in the user's investment portfolio.

Disclosed are a method, a system, and a non-transitory computer-readable record medium for a reward on a cryptocurrency exchange. A cryptocurrency reward method includes determining a reward amount for a user that meets a reward condition in a cryptocurrency exchange, the reward amount being in a fiat currency, setting at least one cryptocurrency as at least one selected cryptocurrency based on a selection of the user, converting the reward amount into the at least one selected cryptocurrency to obtain at least one converted reward amount, and transferring the at least one converted reward amount to an account of the user.

A shareholder investment system and method is provided. At least certain embodiments relate to processing of loyalty rewards such as rewards generated via the use of credit cards, debit cards, prepaid cards, etc. A payment processing system for financial transactions is enhanced to support reward transactions. The reward communications can be processed over the payment processing system together with payment transactions. Consumer's can accumulate monetary value associated with the rewards in a rewards account. The rewards are based on awards provided by conducting transactions using a rewards account associated with a shareholder rewards program or by conducting transactions with particular merchants participating in the rewards program. The accumulated monetary value can then be used for purchase of shares of stock of participating merchants.

A cooperative environmental and life benefit exchange system is presented. The system includes a grid for transmitting available electrical energy, a plurality of rate payers using energy generated from renewable energy sources, a plurality of utility companies providing the grid, a plurality of credits redeemable for acquiring one or more of a plurality of life benefits, and an administrator overseeing a redemption process. In one embodiment, credits are accumulated by the rate payers based on either a predetermined amount of electrical energy purchased from or sold back to the grid. In the redemption process the credits accumulated by the rate payers are redeemed at a redemption rate to provide a redemption value. The redemption value is remitted by the rate payers to satisfy benefit cost for acquiring the life benefits, or portions thereof.

A point saving system for pension payment according to one embodiment of the present disclosure comprises: a customer terminal in which an application for customers is installed configured to make a payment by using an account that is pre-registered in the application for customers; an affiliated store terminal in which an application for affiliated stores is installed, configured to receive customer information on customers from the customer terminal, and transmit an amount of payment, together with the received customer information, to a main server; and the main server of a company configured to receive the customer information and the amount of payment from the affiliated store terminal, save points, for each customer, that correspond to a certain percentage of the received amount of payment on the basis of the received customer information, set levels of the customers on the basis of the saved points for each, determine customers to receive a pension on the basis of the set levels and the customer information, and pay a predetermined amount of pension to each of the determined customers to receive a pension according to the set levels.

Systems, methods, and apparatuses for managing rewards earned by a user are provided. A method includes receiving, by a financial institution computing system, at least one reward parameter corresponding to an action of a user, determining, by the financial institution computing system, a reward based on the at least one reward parameter, and vesting, by the financial institution computing system, two or more portions of the reward at different times over a vesting period.

A computerized trading system includes a master node and a plurality of regional nodes, the master and regional nodes each including a processor and memory, and where the master node is communicatively coupled to each of the regional nodes over a network. The master node and regional nodes are programmed to perform a method for updating limits for each of the regional nodes, where the master node maintains a global limit and a ratio representing a proportion of the global limit allocable to each of the regional nodes. The master node allocates to each regional node a local limit that is a proportion of the global limit in accordance with the ratio, and monitors the local limit utilization at each of the regional nodes. When the master node detects one or more events, the master node allocates a new local limit to one or more of the regional nodes.

A point saving system for pension payment according to one embodiment of the present disclosure comprises: a customer terminal in which an application for customers is installed configured to make a payment by using an account that is pre-registered in the application for customers; an affiliated store terminal in which an application for affiliated stores is installed, configured to receive customer information on customers from the customer terminal, and transmit an amount of payment, together with the received customer information, to a main server; and the main server of a company configured to receive the customer information and the amount of payment from the affiliated store terminal, save points, for each customer, that correspond to a certain percentage of the received amount of payment on the basis of the received customer information, set levels of the customers on the basis of the saved points for each, determine customers to receive a pension on the basis of the set levels and the customer information, and pay a predetermined amount of pension to each of the determined customers to receive a pension according to the set levels.

A system and methods of processing feedback for use by a large organization which process the information using artificial intelligence and graphically display the results is disclosed. The continuous process of refining the data of this method and system uses collective reactions to correct misinterpreted feedback to improve the quality and accuracy of future iterations.