Abstract: A blockchain-based multi-merchant loyalty point partnership system may include a blockchain API host that is configured to generate a reward based at least in part on transaction data received from a web site. In one example, a system is configured to receive a loyalty account and transaction data for a completed purchase from a loyalty partner site. A partnership smart contract is executed to validate that the transaction data meets a purchase requirement parameter of the partnership smart contract. A transaction record is stored which indicates that the loyalty account has the transaction data for meeting the purchase requirement parameter. The transaction record is transmitted to consensus participants associated with the blockchain network.

Abstract: A blockchain-based multi-merchant loyalty point partnership system may include a blockchain API host that receives a request to create a partnership smart contract for a multi-merchant loyalty point partnership. The request may specify various partnership parameters to include in the partnership smart contract. The blockchain API host may create the partnership smart contract and write the partnership smart contract to a blockchain. One or more qualified merchants may join the partnership smart contract to make the partnership active. In response to a customer completing a plurality of purchases that complete the partnership parameters of the partnership smart contract, the system may issue the customer a purchase reward which may include a loyalty point payout.

Abstract: A blockchain-based loyalty point distribution system may be configured to provide decentralized loyalty IDs. In one example, a system comprising a computing device that is configured to determine that a reward event has been initiated by a user and invoke executable code to display a user interface for selecting a loyalty provider for storing the reward event. The loyalty provider for storing the reward event is identified and the executable code is invoked to display a login page for the selected loyalty provider. A loyalty ID is determined and a customer reward to be written to a blockchain based at least in part on a public key.

Abstract: A blockchain-based loyalty point distribution system may be configured to provide decentralized loyalty IDs. The decentralized loyalty IDs may allow distribution of loyalty rewards in response to transaction-based events and non-transaction-based events, including behavioral interactions. The system may include a loyalty partner system that receives a rewards event from a customer. The loyalty partner system may determine a loyalty ID associated with the customer, and write the rewards event to the blockchain. A loyalty provider system may receive notification of the rewards event write and distribute the loyalty reward to the customer. The loyalty provider may instruct the loyalty partner to remit payment for the loyalty reward, and may update customer and loyalty partner balances on the blockchain.

Abstract: A blockchain-based loyalty point distribution system may be configured to provide decentralized loyalty IDs. The decentralized loyalty IDs may allow distribution of loyalty rewards in response to transaction-based events and non-transaction-based events, including behavioral interactions. The system may include a loyalty partner system that receives a rewards event from a customer. The loyalty partner system may determine a loyalty ID associated with the customer, and write the rewards event to the blockchain. A loyalty provider system may receive notification of the rewards event write and distribute the loyalty reward to the customer. The loyalty provider may instruct the loyalty partner to remit payment for the loyalty reward, and may update customer and loyalty partner balances on the blockchain.

Abstract: A blockchain-based multi-merchant loyalty point partnership system may include a blockchain API host that receives a request to create a partnership smart contract for a multi-merchant loyalty point partnership. The request may specify various partnership parameters to include in the partnership smart contract. The blockchain API host may create the partnership smart contract and write the partnership smart contract to a blockchain. One or more qualified merchants may join the partnership smart contract to make the partnership active. In response to a customer completing a plurality of purchases that complete the partnership parameters of the partnership smart contract, the system may issue the customer a purchase reward which may include a loyalty point payout.

Abstract: A computer-implemented method and system to facilitate a purchase. A request for payment for a charge by a provider to a customer having a plurality of accounts is received at a host computer. At least one of the accounts qualifies for pre-tax treatment and at least one account does not qualify for pre-tax treatment. A hold is placed on funds in one or more of the plurality of accounts sufficient to cover the charge. The host determines whether the charge qualifies for pre-tax treatment. If the charge qualifies for pre-tax treatment, then at least the account qualifying for pre-tax treatment is debited for some or all of the charge.

Abstract: A method comprises the steps of: receiving, at a host computer, a request from a provider for payment for a charge incurred by a purchaser; identifying a plurality of funding sources of the purchaser from which to draw funds for payment of the charge; and causing at least one of the plurality of funding sources to be debited for at least a portion of the purchasing amount of said item based on said payment authorization.

Abstract: A method comprises the steps of: receiving, at a host computer, a request from a purchaser for payment authorization for a charge for an item; determining whether said item qualifies for payment of a discounted amount of the item charge; receiving at the host computer a request from a provider for payment of the item charge; identifying a funding source of the purchaser from which to draw funds for payment of the item charge; and causing the funding source to be debited for at least a portion of the discounted amount of the item charge based on the payment authorization.

Abstract: A computer-implemented method to facilitate a purchase comprising: receiving, at a first host computer, a request from a provider for payment authorization for a charge to a purchaser; examining a database coupled to the first host computer for information concerning the purchaser; providing the information concerning the purchaser to a second host computer associated with the provider; receiving at the first host computer information from a third host computer concerning a negotiated amount of the charge to the purchaser; tendering payment of the negotiated charge to the provider; and withdrawing an amount no greater than the negotiated amount of the charge from an account of the purchaser.