Abstract: Methods and associated systems related to generating, managing, and accessing data related to contractual obligations of a consumer and a plurality of different merchants in a universal consumer card redemption system are disclosed. A universal consumer card redemption system may comprise a universal software platform including a network of linked databases configured to store data associated with contractual relationships between at least one consumer and a plurality of different merchants. The universal software platform may be configured to link with both physical universal consumer cards and virtual universal consumer cards over a web-based interface.

Abstract: Methods and associated systems related to generating, managing, and accessing data related to contractual obligations of a consumer and a plurality of different merchants in a universal consumer card redemption system are disclosed. A universal consumer card redemption system may comprises a universal software platform including a network of linked databases configured to store data associated with contractual relationships between at least one consumer and a plurality of different merchants, and at least one web-based interface configured to communicate with at least one universal consumer card associated with a consumer and at least one web-enabled device associated with a merchant. The at least one web-enabled device may include a single-button redemption capability, wherein a plurality of offers and redemption options are presented via a single interface.

Abstract: Methods and associated systems related to generating, managing, and accessing data related to contractual obligations of a consumer and a plurality of different merchants in a universal consumer card redemption system are disclosed. A universal consumer card redemption system may comprises a universal software platform including a network of linked databases configured to store data associated with contractual relationships between at least one consumer and a plurality of different merchants, and at least one web-based interface configured to communicate with at least one universal consumer card associated with a consumer and at least one web-enabled device associated with a merchant.