Abstract: According to one embodiment, an apparatus may store a user account and a points balance associated with the user account. The apparatus may determine a geographic location of a user associated with the user account and communicate, based at least in part upon the geographic location, an offer for a product. The offer may be associated with an expiration time. The product may be associated with a points price. The points balance may be at least equal to the points price. The apparatus may receive a signal indicating an acceptance of the offer. The signal may be associated with a timestamp and with the user account. The timestamp may indicate a time that is at least as early as the expiration time. The apparatus may communicate a second signal indicating that the user can receive the product.

Abstract: According to one embodiment, an apparatus stores a user account and a points balance associated with the user account. The apparatus further determines a geographic location of a user associated with the user account. The apparatus then communicates, based at least in part upon the geographic location, an offer for a product. The produce may be associated with a points price and the points balance is at least equal to the points price. The apparatus then receives a signal indicating acceptance of the offer. The signal may be associated with the user account. The apparatus then communicates a second signal indicating that the user can receive the product.

Abstract: According to one embodiment, an apparatus may store a plurality of accounts. The apparatus may present, in a first region of a display, information associated with a first account in the plurality of accounts; in a second region of the display, information associated with a second account in the plurality of accounts; and in a third region of the display, a plurality of transfer amounts. The apparatus may detect a touch on the third region of the display indicating a selection of a transfer amount from the plurality of transfer amounts. The apparatus may communicate, in response to the detection of the touch, a message to initiate the transfer of the selected transfer amount from the first account to the second account.

Abstract: Financial activities may be performed in a social networking environment. To perform the financial activities, a first message is received to create a first financial goal associated with a user. The first message comprises the first financial goal and a reward for achieving the first financial goal. The first financial goal is available for display in a social networking environment associated with the user. A processor creates the first financial goal associated with the user and stores the first financial goal. The status of the first financial goal is monitored. Information associated with the first financial goal is received from a data source, and the processor updates the status of the first financial goal according to the received information.