Abstract: A system and method including a downloadable application which forces to view targeted advertisements on their mobile device in order to gain access to use of the mobile device. The ads appear on a lock screen of the mobile device upon powering up or waking up of the mobile device. The user can take one of several actions with respect to the displayed ad and upon such action screen is unlocked and the user is provided with full function of the mobile device. The user can be incented for each action through the accumulation of points which can be used towards paying the user's phone bill or for receiving another reward.

Abstract: A system and method including a downloadable application which forces to view targeted advertisements on their mobile device in order to gain access to use of the mobile device. The ads appear on a lock screen of the mobile device upon powering up or waking up of the mobile device. The user can take one of several actions with respect to the displayed ad and upon such action screen is unlocked and the user is provided with full function of the mobile device. The user can be incented for each action through the accumulation of points which can be used towards paying the user's phone bill or for receiving another reward.

Abstract: A system for processing consumer and financial transactions related to past and future healthcare services and healthcare service searches or inquiries is claimed. The system generates a presenting a health plan member with options regarding fulfilling the healthcare service net due amount with applicable discounts and implements a decision scoring system for a platform for processing healthcare related transactions.

Abstract: A method includes performing operations as follows on at least one processor: receiving credentials from a shopper, the credentials being associated with a purchase from a merchant, evaluating a history of purchases by the shopper from the merchant, determining that the shopper is entitled to virtual card present status from a financial institution based on evaluating the history of purchases, and sending a payment authorization request message for the purchase to the financial institution that comprises an indication that the shopper is entitled to virtual card present status.

Abstract: A system for processing consumer and financial transactions related to past and future healthcare services and healthcare service searches or inquiries is claimed. The system generates a presenting a health plan member with options regarding fulfilling the healthcare service net due amount with applicable discounts and implements a decision scoring system for a platform for processing healthcare related transactions.

Abstract: A processing server may receive transaction data from one or more point of sale (POS) terminals in near real-time. Transaction data received from each of the POS terminals may be in a format that is specific to the POS terminal. Upon receiving the transaction data having the POS specific format, the processing server may convert the transaction data to a common format that is compatible with the operations of the processing server. Further, the processing server may index the converted transaction data into one or more categories. Responsive to indexing, the processing server may generate aggregate data from the indexed transaction data. Further, the processing server may receive a request for a data report associated with the aggregate data. Responsive to receiving the request, the processing server may generate the data report, format the data report to match a user preference, and transmit the data report for presentation.

Abstract: A method includes performing operations as follows on at least one processor: receiving credentials from a shopper, the credentials being associated with a purchase from a merchant, receiving an open approval for advancing funds for the purchase from a financial institution, matching the open approval with the credentials received from the shopper, and notifying the merchant that payment has been approved.

Abstract: A method includes performing operations as follows on at least one processor: receiving credentials from a shopper, the credentials being associated with a purchase from a merchant, determining that the shopper is registered for a loyalty program with the merchant based on the credentials, determining that the shopper has a mobile payments account with a mobile payments processor associated with the loyalty program, the mobile payments account having a mobile phone number associated therewith, sending a payment request for the purchase to the mobile payments processor with the mobile phone number, and receiving an approval for advancing funds for the purchase from the mobile payments processor responsive to the shopper sending a payment request from a mobile device having the mobile phone number.

Abstract: A processing server may receive transaction data from one or more point of sale (POS) terminals in near real-time. Transaction data received from each of the POS terminals may be in a format that is specific to the POS terminal. Upon receiving the transaction data having the POS specific format, the processing server may convert the transaction data to a common format that is compatible with the operations of the processing server. Further, the processing server may index the converted transaction data into one or more categories. Responsive to indexing, the processing server may generate aggregate data from the indexed transaction data. Further, the processing server may receive a request for a data report associated with the aggregate data. Responsive to receiving the request, the processing server may generate the data report, format the data report to match a user preference, and transmit the data report for presentation.