Abstract: In one aspect, a computing apparatus is configured to facilitate the identification of a transaction resulting from an activity occurring in a substantially separate context or environment, such as an offline transaction in a “brick and mortar” retail store resulting from an online advertisement or an online search. The computing apparatus may match information about the activity and information about the transaction to correlate the online activity and the offline transaction. The matching process may involve the use of an offer for a discount, an incentive, a rebate, a reward, reward points, cash back, a gift, etc. The offer is to be provided in the advertisement associated with an online activity and redeemed in a payment transaction, processed via the transaction handler, to correlate the advertisement and the transaction.

Abstract: In one aspect, a computing apparatus is configured to receive a request for a profile to customize information for presentation to a user identified in the request and, responsive to the request identifying the user, provide the profile that is generated based on transaction data of the user. The profile summarizes the transaction data of the user using a plurality of values representing aggregated spending in various areas. The information includes an advertisement selected, prioritized, adjusted, or generated based on the profile. The advertisement includes at least an offer, such as a discount, incentive, reward, coupon, gift, cash back, benefit, product, or service.

Abstract: A statement credit reward system receives a request to redeem reward points from an account holder in exchange for a virtual gift card, where the account holder's request may be in response to an offer from a merchant for the card. The statement credit reward system receives transaction information corresponding to one or more transactions conducted by the account holder with one or more merchants. The transaction information may contain a qualifying transaction conducted by the account holder with a merchant. The statement credit reward system will attempt to match a statement credit trigger with the qualifying transaction. If a match is not found, the statement credit reward system adds the predetermined number of reward points back into the account holder's balance of reward points. If a match is found, the statement credit reward system credits the monetary amount of the statement credit trigger to the account holder's balance.

Abstract: In one aspect, a computing apparatus includes: a data warehouse to store data associating a plurality of account identifiers with an offer having a predefined purchase requirement and an aggregated purchase requirement for a benefit; and a transaction handler configured to process a plurality of transactions. The transaction handler is further configured to determine whether each of the plurality of transactions satisfies a predefined purchase requirement, identify a set of transactions each satisfying the predefined purchase requirement, and determine whether the set of transactions satisfies an aggregated purchase requirement for the benefit. In one example, the transaction handler is configured to provide the benefit via statement credits when the set of transactions satisfies the aggregated purchase requirement.

Abstract: In one aspect, a computing apparatus includes: a transaction handler to process transactions; a portal to receive from users enrollment input identifying account identifiers of the users and respective loyalty programs; and a data warehouse to store data associating the account identifiers with the respective loyalty programs. In response to an authorization request received in the transaction handler for a payment transaction identifying a first account identifier, the computing apparatus is to use the data warehouse to determine whether the first account identifier is enrolled with a loyalty program; and if the first account identifier is enrolled with a first loyalty program, the computing apparatus is to use the transaction handler to request purchase details from the merchant via a response to the authorization request, and determine benefits to be awarded to the user of the first account identifier.

Abstract: A computer receives information that a request is made to authorize a transaction for a sale of a product by a merchant to an account holder in a transaction conducted on a consumer account issued to the account holder. When the computer confirms that the transaction is authorized and that the transaction occurs within a predetermined time period for which there is a rebate associated with the product and a corresponding sponsor financially responsible for the rebate, the computer communicates that the rebate is to be debited to an account of the sponsor and either: (i) given as a discount by the merchant at the point of sale to the account holder; or (ii) credited to an account issued to the account holder by the issuer.

Abstract: In one aspect, a computing apparatus is configured to facilitate the identification of a transaction resulting from an activity occurring in a substantially separate context or environment, such as an offline transaction in a “brick and mortar” retail store resulting from an online advertisement or an online search. The computing apparatus may match information about the activity and information about the transaction to correlate the online activity and the offline transaction. The matching process may involve the use of an offer for a discount, an incentive, a rebate, a reward, reward points, cash back, a gift, etc. The offer is to be provided in the advertisement associated with an online activity and redeemed in a payment transaction, processed via the transaction handler, to correlate the advertisement and the transaction.

Abstract: In one aspect, a computing apparatus is configured to receive a request for a profile to customize information for presentation to a user identified in the request and, responsive to the request identifying the user, provide the profile that is generated based on transaction data of the user. The profile summarizes the transaction data of the user using a plurality of values representing aggregated spending in various areas. The information includes an advertisement selected, prioritized, adjusted, or generated based on the profile. The advertisement includes at least an offer, such as a discount, incentive, reward, coupon, gift, cash back, benefit, product, or service.