Abstract: A short-term certificate is disclosed. The method receives a request for a short-term certificate to be generated from a credit account of a first party and provided to a second party, the request includes an amount allocated to the short-term certificate and an identifier for the second party. A part of the credit account is allocated to cover the value of the short-term certificate. The short-term certificate is generated and provided to the second party. However, no funds are taken from the credit account of the first party until the short-term certificate is redeemed.

Abstract: A system for determining attribution for an electronic credit application is disclosed. The system receives, via an Internet connection, an electronic credit application for a new credit account, the application includes customer identification information provided by the customer. The system also receives application location information related to the electronic credit application for the new credit account, the application location information obtained from an electronic device, which is not provided by the customer and replaces any application location information provided by the customer. The system additionally receives associate identification information related to the electronic credit application for the new credit account, and associate identification information obtained from sources other than the customer's keyed input. The system determines at least one attribution based on the received information.

Abstract: A computer system comprises a memory, a cellular telephony communications device configured for sending and receiving cellular text messages, and a processor coupled with the memory and the cellular telephony communications device. The processor is configured to: receive, via the cellular telephony communications device, a cellular text message sent from a cellular telephone of an accessing entity, wherein the cellular text message includes a cellular telephone number of the cellular telephone, an instruction regarding reward points, and an image file; use the cellular telephone number to identify a reward program account; extract an authentication token embedded in data of the image file; authenticate access to the reward program account based upon the authentication token; and in response to authenticating access to the reward program account, execute the instruction.