Abstract: A computer-implemented method of exchanging data is provided. Before a transaction, the transaction including exchange of data: associating a plurality of funding sources with an account; defining one or more rules, each corresponding to a condition and a specified funding source from the plurality; assigning a priority to each rule; and storing rules and priorities associated with the account. At a time of a transaction: receiving data describing the transaction; determining if the transaction satisfies any condition of the rules, the funding source from the satisfied rule being the determined funding source unless more than one rule has a satisfied condition. In the event of more than one rule with a satisfied condition, the highest priority rule among all satisfied conditions determines the funding source to be charged. In the event of determining that no condition is satisfied, charging any one of the plurality of associated funding sources.

Abstract: A method for providing merchant offers to customer mobile devices. In some embodiments, an offer engine determines, on a periodic basis for each of a plurality of merchants, a proximity-sensitivity score that indicates a likelihood that potential offers from the merchants would be accepted by customers. The process includes the offer engine receiving, from a mobile device of a customer, an indication of a customer's current location, then receiving customer transaction data in substantially real time and adjusting the proximity-sensitivity scores of the merchants based on the customer transaction data. The offer engine then automatically selects at least two offers from a plurality of potential offers based on the adjusted proximity-sensitivity scores for the customer, and transmits, to the mobile device associated with the customer, data associated with the at least two selected offers for display on a display screen of the customer's mobile device.

Abstract: According to some embodiments, a proximity-sensitivity score is determined for each of a plurality of merchants. The proximity-sensitivity scores may indicate, for example, a likelihood that potential offers from the merchants would be accepted by customers based on distances between customer locations and merchant locations. An indication of a customer's current location may be received, and a selection engine may automatically select for a customer, in substantially real time, at least one selected offer from a plurality of potential offers based at least in part on proximity-sensitivity scores and the customer's current location. Data associated with the selected offer may then be transmitted, via a wireless communication network, to a mobile device associated with the customer.

Abstract: Rewards systems, methods, means and computer program code are provided which include a transaction processing system, receiving a transaction authorization request message generated from a point of interaction, the transaction authorization request message including a purchase amount, and a customer account identifier, the transaction processing system generating an authorization response message for transmission to the point of interaction. The rewards systems further include a messaging system, in communication with the transaction processing system, generating a rewards message for transmission to a mobile device associated with the customer account identifier, the rewards message including details of a status associated with a reward transaction.