Abstract: A virtual punch card rewards system is described. The system includes a user database that stores user information concerning a plurality of users, a network interface configured to communicate data over a network, and a processing circuit comprising a processor and memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive transaction information concerning a payment account belonging to a user, determine a reward category for the user based on the retrieved transaction information, generate virtual punch card parameters for the user based on the determined reward category, and transmit, by the network interface over the network, virtual punch card content to a computing device associated with the user, the virtual punch card content including a first graphical interface configured to present the user with at least one of the generated virtual punch card parameters.

Abstract: A system includes a network interface configured to communicate with a user device and a processing circuit. The processing circuit is configured to receive, via the network interface, a cookie identifier and a device identifier associated with the user device and identify a profile associated with at least one of the cookie identifier and the device identifier by searching a profile database with at least one of the cookie identifier and the device identifier. The processing circuit is further configured to generate an advertisement based on the profile and transmit the advertisement to the user device to be displayed. The processing circuit prompts a user of the user device to input user identification into a user identification prompt, receives user identification from the user device, and determines that the user identification is associated with the profile by matching the user identification with information stored in the profile.

Abstract: A virtual punch card rewards system is described. The system includes a user database that stores user information concerning a plurality of users, a network interface configured to communicate data over a network, and a processing circuit comprising a processor and memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive transaction information concerning a payment account belonging to a user, determine a reward category for the user based on the retrieved transaction information, generate virtual punch card parameters for the user based on the determined reward category, and transmit, by the network interface over the network, virtual punch card content to a computing device associated with the user, the virtual punch card content including a first graphical interface configured to present the user with at least one of the generated virtual punch card parameters.