Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically providing a lending offer for loyalty points based on a customer account analysis. One example method includes initiating an offer analysis for a customer account associated with a particular customer and storing an account balance and a point deficit balance. The offer analysis determines whether to provide an offer for a point loan, and is based on profile information of the customer, a current point balance, and a reward identified from the loyalty account. If an offer is to be provided, an offer for a loan of points equal to the difference between the current point balance of a loyalty account and the point value cost of the reward is transmitted to a client device of the customer. If accepted, the current point balance and the point deficit are both incremented by the amount of the offer.

Abstract: The invention is directed to an interactive educational blanket for newborn children, children aged 6 to 24 months, and children 2 to 7 years of age, comprised of fabric body which has been prepared from two separate high quality pieces of fabric, preferably fleece, minky, stretch cottons, including organic fibers such as cotton and other washable fabrics sewn together at the outer edges filled with batting material for extra interior padding. The blanket further includes, on one side of the blanket, four panels containing visual and sensory stimulatory characterizations, which the child may view and manipulate, thus, providing the child with a variety of visual and sensory representation in each panel. The opposite side of the blanket is comprised of a high quality, durable fabric, which provides comfort to the child when sleeping or holding the blanket.