Abstract: In some aspects, the techniques described herein relate to a method including: receiving, at a transaction decisioning platform, a customer pre-approval notification; receiving, at the transaction decisioning platform, a stream of transactions, wherein the transactions are associated with a demand deposit account and the demand deposit account is associated with a customer; receiving, at the transaction decisioning platform, a total finance amount for the customer; applying a transaction eligibility rule to each transaction in the stream of transactions; determining, based on application of the transaction eligibility rule, that one of the transactions from the stream of transactions is eligible for a credit product; determining, based on a customer eligibility variable, that the customer is eligible for the credit product; and including the one of the transactions from the stream of transactions on an eligible transaction list.

Abstract: In some aspects, the techniques described herein relate to a method including: receiving, at an attribute and income platform, demand deposit account information associated with a demand deposit account; receiving, at the attribute and income platform, financial information of a customer associated with the demand deposit account; generating, by the attribute and income platform, a financial profile for the customer; generating, by a customer decisioning platform, a pre-approval of a credit product for the customer, wherein the customer pre-approval is based on the financial profile for the customer; providing, by the event streaming platform, a customer pre-approval topic; publishing the customer pre-approval to the customer pre-approval topic; and subscribing, by one or more processing platforms, to the customer pre-approval topic.

Abstract: Distributed ledger-based loyalty reward points reconciliation platforms are disclosed. Embodiments may include a distributed ledger-supported platform that may enable multiple loyalty points/currencies to be distributed by multiple unaffiliated third-parties (e.g., partner merchants) in a transparent, automated way that facilitates adding loyalty points/miles to end customer loyalty accounts as well as settlement between the program provider and the partner merchant. This may be in exchange for some a fixed or per transaction fee for the program provider. The platform may further facilitate the “burning,” or using, of points by reversing the transaction flow and deducting points from the customer loyalty account.