Abstract: Techniques for redeeming accumulated rewards points at a service provider that is independent from a provider of the accumulated rewards points are described herein. The service provide may authenticate a user having an account at the service provider and then associate the user account with a user account at one or more points providers. The service provider may then determine a number of accumulated and available rewards points for the user account(s) at the points provider(s). The service provider may then allow the user to redeem one or more of the rewards points when conducting a transaction with the independent service provider.

Abstract: Financial transactions, such as buying and selling, may be facilitated by merchant-based shadow account numbers. A master account may contain several associated shadow accounts. Each shadow account may in turn be associated with a specific merchant or group of merchants. Merchants and users may store and use the shadow account numbers rather than the master account numbers. Stolen or otherwise compromised shadow account numbers are useless with other non-associated merchants. Furthermore, the shadow numbers may be easily invalidated while leaving the master account untouched.

Abstract: Financial transactions, such as buying and selling, may be facilitated by merchant-based shadow account numbers. A master account may contain several associated shadow accounts. Each shadow account may in turn be associated with a specific merchant or group of merchants. Merchants and users may store and use the shadow account numbers rather than the master account numbers. Stolen or otherwise compromised shadow account numbers are useless with other non-associated merchants. Furthermore, the shadow numbers may be easily invalidated while leaving the master account untouched.