Abstract: An example server includes: a memory storing an account database for a centralized reward hub; a processor interconnected with the memory, the processor configured to: receive purchase data for a purchase by a customer, the purchase data including a customer identifier; determine whether account database includes an existing entry corresponding to the customer identifier; when the account database does not include an existing entry corresponding to the customer identifier, create a new entry for the customer identifier; send the customer a login link for the centralized reward hub based on the new entry or the existing entry corresponding to the customer identifier.

Abstract: An example server includes: a memory storing an account database for a centralized reward hub; a processor interconnected with the memory, the processor configured to: provide a centralized reward hub interface for display at a client device associated with a client account, the centralized reward hub providing multiple merchants for selection; receive a selection of a merchant from the client device; redirect the client device to a merchant site for the selected merchant; provide, to a discount module integrated with the merchant site, a point balance for a client account; receive, from the discount module, an updated point balance for the client account after application of a portion of the point balance to apply a discount at the merchant site; and update the point balance for the client account in the account database.

Abstract: An example server includes: a memory storing an account database for a centralized reward hub; a processor interconnected with the memory, the processor configured to: receive a new hub account request for a new hub account at the centralized reward hub; obtain user parameters associated with the new hub account request; filter a list of merchants based on the user parameters; provide the filtered list of merchants for presentation at a client device; receive a selection of a merchant from the filtered list; send a new merchant account request to create a merchant account for the merchant; and create the new hub account in the account database for the centralized reward hub.