Abstract: A system for dynamically revising a merchant page by one or more processors communicatively coupled to webservers hosting merchant pages may be configured to receive from a webserver a transaction amount and a unique identifier of a user interacting with the page without an input of a credit card number of the user and without the webserver accessing the credit card number in a data storage, identify, using the unique identifier and without receiving personally identifiable information from the webserver, a user profile including at least one dataset corresponding to a credit card of the user, and upon identifying an attribute of an alternative payment option for the user based on the user profile, generate an instruction to the webserver to dynamically render the page by displaying at least one interactive element including the alternative payment option based on an indicator of the credit card of the user.

Abstract: A method and system for consolidating loyalty rewards from multiple programs into a single currency which is managed in a single account allows a customer to utilize accumulated rewards for making full or partial payments at a point of sale with an online merchant. A payment transaction can represent the use of multiple accounts (i.e., reward currency, credit card, or debit card). When executing the transaction, the system conceals a customer's account information by generating a virtual account number (VAN). As such, the online merchant is not required to have any prior knowledge of the system and processes the transaction as a conventional credit card purchase.