Abstract: Methods, non-transitory computer readable media, and transaction management computing devices that assist with processing a transaction involving a merchant and a user using a system include receiving over at least one communication channel an indication of a user transaction. Location information indicating a location of the user transaction or merchant information indicating a merchant involved in the user transaction is determined. A first attribute package and a first payment format is identified and communicated to the client device. The user transaction is initiated upon receiving a confirmation indicating selection of the identified first payment format and the identified first attribute package. The user transaction is held open for a predetermined period of time to allow the user to modify the selected first payment format or the selected first attribute package for the user transaction to a different attribute package or a different payment format.

Abstract: Systems and methods for leveraging micro-location devices for improved travel awareness are disclosed. In one embodiment, a system for performing a location-based action in a network of micro-location devices may include a plurality of micro-location devices, each micro-location devices associated with a unique identifier and a location, each of the plurality of micro-location devices transmitting a signal comprising its associated unique identifier; a backend in communication with a database, the database storing the unique identifier and location associated with each of the micro-location devices; and a mobile device that receives a signal comprising a unique identifier from one of the plurality of micro-location devices and communicates the unique identifier to the backend. The backend may determine a mobile device location based on the unique identifier received from the mobile device and may perform an action based on the mobile device location.

Abstract: In one embodiment, a method includes receiving an indication that a user has initiated a transaction and determining whether location information identifying a location of the transaction was received. A first attribute package of a plurality of attribute packages of the user may be identified based on customized rules and, if received, based on the location information. An identification of the first attribute package may be sent to the user's client system as a recommended payment attribute package for processing the transaction. In response to the identification of the first attribute package, the transaction may be opened, and a payment attribute package for the transaction may be set to the first attribute package. The transaction may be held open for a predetermined period of time to allow the user to modify the payment attribute package for the transaction to a different attribute package.

Abstract: In one embodiment, a method includes receiving, over at least one communication channel, an indication of a user transaction. A computer processor may be automatically activated to determine location information or merchant information. The processor further selects and retrieves a first attribute package selection code module and a first payment format selection code module for execution. The computer processor may then execute the first attribute package selection code module to identify a first attribute package of a plurality of attribute packages of the user and execute the first payment format selection code module to identify a first payment format of a plurality of payment format. Furthermore, the computer processor communicates an instruction to a client system an instruction to identify the selected first attribute package and payment format as a recommendation to the user.

Abstract: In one embodiment, a method includes receiving an indication that a user has initiated a transaction and determining whether location information identifying a location of the transaction was received. A first attribute package of a plurality of attribute packages of the user may be identified based on customized rules and, if received, based on the location information. An identification of the first attribute package may be sent to the user's client system as a recommended payment attribute package for processing the transaction. In response to the identification of the first attribute package, the transaction may be opened, and a payment attribute package for the transaction may be set to the first attribute package. The transaction may be held open for a predetermined period of time to allow the user to modify the payment attribute package for the transaction to a different attribute package.

Abstract: Systems and methods for leveraging micro-location devices for improved travel awareness are disclosed. In one embodiment, a system for performing a location-based action in a network of micro-location devices may include a plurality of micro-location devices, each micro-location devices associated with a unique identifier and a location, each of the plurality of micro-location devices transmitting a signal comprising its associated unique identifier; a backend in communication with a database, the database storing the unique identifier and location associated with each of the micro-location devices; and a mobile device that receives a signal comprising a unique identifier from one of the plurality of micro-location devices and communicates the unique identifier to the backend.

Abstract: A method for identifying and offering rewards is provided. A user's transaction history or category history, such as, for example, spending history, transaction history, merchant history, purchases history, services history, product history, channel history, frequency of spending history, SKU history, redemption history, reward earnings history, earning levels, reward categories, or currency type, currency history, customer responses to questions, and/or other data or information that enables identification of relevant rewards is determined. Next, at least one reward category based on the user's transaction history or reward category history is dynamically prioritized, and at least one top reward category based on the dynamic prioritizing of the at least one reward category is determined. Finally, the user is dynamically rewarded discounts, rebates, coupons, or other reward incentives based on the least one top reward category.