Abstract: Systems and methods are provided for operating an integrated stored-value and loyalty program within a financial infrastructure. An identifier and a packet of transaction information defining a transaction between a merchant and a customer are received at a loyalty host. Qualifying aspects of the transaction are identified from the packet of transaction information. A customer reward is determined from the identified qualifying aspects and a history of information defined by the identifier. Information defining the reward is transmitted to a stored-value host that records a value parameter that may be applied as value by the customer to another transaction.

Abstract: Methods and electronic architectures for volume based handling and processing electronic data, for which a fee is determined based on a selectable metric, are provided. One embodiment includes program instructions for collecting non-aggregated data in an encrypted form that cannot be accessed or presented in aggregation for analysis without first being decrypted. The process of decryption allows for the determination of the fee based on a selectable fee metric associated with the decryption.