Abstract: Embodiments of the present invention provide a system for providing an interactive real-time digital hub for processing supplemental resources. The present invention is configured to determine resource opportunities for a user as well as one or more customized supplemental resources associated with the resource opportunities. Next, a user interface of a computing device of the user is caused to display the resource opportunities and the user's activity is monitored to determine when the user has completed a resource opportunity. The associated supplemental resource is then provided to the user, and certain events related to the amount of the aggregate amount of supplemental resources can be executed in response to receiving a request for such execution by the user.

Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for using a preferred rewards program. In some embodiments, the apparatus is configured to receive information associated with a user's financial institution account on the last day of a current month, wherein the information comprises a monthly asset balance; determine an average asset balance based on generating an average monthly asset balance for at least two months prior to the current month; categorize the user, based on the average asset balance, to determine which of a plurality of status levels is applicable to the user, wherein the plurality of status levels is based on an asset balance range; identify an existing payment card associated with the user; and apply a benefit associated with the categorized status level to the user's existing payment card.