Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically providing a lending offer for loyalty points based on a customer account analysis. One example method includes initiating an offer analysis for a customer account associated with a particular customer and storing an account balance and a point deficit balance. The offer analysis determines whether to provide an offer for a point loan, and is based on profile information of the customer, a current point balance, and a reward identified from the loyalty account. If an offer is to be provided, an offer for a loan of points equal to the difference between the current point balance of a loyalty account and the point value cost of the reward is transmitted to a client device of the customer. If accepted, the current point balance and the point deficit are both incremented by the amount of the offer.

Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically modifying a financial product associated with a user, where the modified financial product is associated with an updated benefit at a partner system. One example method comprises receiving an indication of acceptance associated with a particular partner-related product for replacing a current product associated with a first customer. At least one term or condition associated with the particular partner-related product different than terms or conditions associated with the at least one current product are identified, including a change to at least one benefit associated with the partner system. The terms associated with the current product are modified without changing the unique identifier, and an indication of the at least one updated benefit associated with the partner system is transmitted to the partner system for immediate usage by the first customer.

Abstract: Computing platforms, methods, and storage media for processing instructions associated with one or more data transfers are disclosed. Exemplary implementations may: obtain, by a processor, a credit application identifier identifying a pending credit application that involves credit adjudication; identify, in conjunction with an adjudication database and based on the credit application identifier, an adjudication process identifier associated with ownership of a current adjudication task for the pending credit application; automatically generate, based on a role associated with the adjudication process identifier, a status of the pending credit application; and provide, by the processor, the status of the pending credit application.

Abstract: A system, comprises at least one processor; and a memory coupled to the at least one processor and storing a function-performing module comprising processor-executable instructions which, when executed by the at least one processor, configure the at least one processor to determine that a function performed by a function-performing module was not performed according to a defined rule; and responsive to determining that the function was not performed according to the defined rule, generate a notification indicating data corruption, the data corruption detection module and the function-performing module configured separately and in a blind manner.

Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically providing a lending offer for loyalty points based on a customer account analysis. One example method includes initiating an offer analysis for a customer account associated with a particular customer and storing an account balance and a point deficit balance. The offer analysis determines whether to provide an offer for a point loan, and is based on profile information of the customer, a current point balance, and a reward identified from the loyalty account. If an offer is to be provided, an offer for a loan of points equal to the difference between the current point balance of a loyalty account and the point value cost of the reward is transmitted to a client device of the customer. If accepted, the current point balance and the point deficit are both incremented by the amount of the offer.

Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically providing a lending offer for loyalty points based on a customer account analysis. One example method includes initiating an offer analysis for a customer account associated with a particular customer and storing an account balance and a point deficit balance. The offer analysis determines whether to provide an offer for a point loan, and is based on profile information of the customer, a current point balance, and a reward identified from the loyalty account. If an offer is to be provided, an offer for a loan of points equal to the difference between the current point balance of a loyalty account and the point value cost of the reward is transmitted to a client device of the customer. If accepted, the current point balance and the point deficit are both incremented by the amount of the offer.

Abstract: A system, comprises at least one processor; and a memory coupled to the at least one processor and storing a function-performing module comprising processor-executable instructions which, when executed by the at least one processor, configure the at least one processor to determine that a function performed by a function-performing module was not performed according to a defined rule; and responsive to determining that the function was not performed according to the defined rule, generate a notification indicating data corruption, the data corruption detection module and the function-performing module configured separately and in a blind manner.

Abstract: A system, comprises at least one processor; and a memory coupled to the at least one processor and storing a function-performing module comprising processor-executable instructions which, when executed by the at least one processor, configure the at least one processor to perform a function associated with a data record; and a data corruption detection module comprising processor-executable instructions which, when executed by the at least one processor, configure the at least one processor to determine whether the function performed in association with the data record was performed according to a defined rule; and responsive to determining that the function was not performed according to the defined rule, generate a notification indicating data corruption and identifying the data record.

Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically modifying a financial product associated with a user, where the modified financial product is associated with an updated benefit at a partner system. One example method comprises receiving an indication of acceptance associated with a particular partner-related product for replacing a current product associated with a first customer. At least one term or condition associated with the particular partner-related product different than terms or conditions associated with the at least one current product are identified, including a change to at least one benefit associated with the partner system. The terms associated with the current product are modified without changing the unique identifier, and an indication of the at least one updated benefit associated with the partner system is transmitted to the partner system for immediate usage by the first customer.

Abstract: A system, comprises at least one processor; and a memory coupled to the at least one processor and storing a function-performing module comprising processor-executable instructions which, when executed by the at least one processor, configure the at least one processor to perform a function associated with a data record; and a data corruption detection module comprising processor-executable instructions which, when executed by the at least one processor, configure the at least one processor to determine whether the function performed in association with the data record was performed according to a defined rule; and responsive to determining that the function was not performed according to the defined rule, generate a notification indicating data corruption and identifying the data record.

Abstract: The disclosed embodiments include computer-implemented apparatuses and processes that resolve securely email-based queries involving confidential third-party data. For example, an apparatus may receive message data associated with an inquiry from a first computing system. The message data includes encrypted interlaced data, an identifier, and temporal data, and when a structure of the message data corresponds to an expected structure, the apparatus generates a decryption key based on at least one of the identifier or the temporal data, and decrypts the encrypted interlaced data using the decryption key. Based on a portion of the decrypted interlaced data, the apparatus requests and receives a response to the inquiry from a second computing system, and transmits at least a portion of the response to the first computing system, which presents the portion of the response within a digital interface.

Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically modifying a financial product associated with a user, where the modified financial product is associated with an updated benefit at a partner system. One example method comprises receiving an indication of acceptance associated with a particular partner-related product for replacing a current product associated with a first customer. At least one term or condition associated with the particular partner-related product different than terms or conditions associated with the at least one current product are identified, including a change to at least one benefit associated with the partner system. The terms associated with the current product are modified without changing the unique identifier, and an indication of the at least one updated benefit associated with the partner system is transmitted to the partner system for immediate usage by the first customer.

Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically modifying a payment instrument type of a user. One example method comprises receiving, via a communications module, a first signal including an indication of acceptance associated with a particular product selected from a set of potential products for replacing a current product associated with a first customer. At least one term or condition associated with the selected product is identified that is different than the terms or conditions associated with the at least one current product. The terms and conditions associated with the at least one current product associated with the first customer are automatically modified to correspond with the at least one different identified term or condition associated with the selected product, wherein modifying the terms or conditions does not change a unique identifier associated with the at least one current product being modified.

Abstract: The present disclosure involves, systems, software, and computer-implemented methods for providing, at the time of a transaction, an estimate of a reward earned by a customer for the particular transaction. One example method comprises receiving information associated with a data exchange between at least a computing device of a user and a computing device of an entity, the information comprising information indicative of a card type used in the data exchange, a transaction amount, and a category code associated with the entity; identifying one or more accelerators; selecting, based on at least one of the information associated with the data exchange, a particular accelerator applicable to the data exchange; determining, at a time concurrent with the data exchange, a points estimate for the data exchange based on the transaction amount and the particular accelerator; and transmitting a notification comprising the transaction amount and the points estimate for the data exchange.

Abstract: The present disclosure involves systems, software, and computer implemented methods for categorizing data exchanges, based on a set of customizable criteria that has been customized by a third party. Each category to which the data transactions are assigned can be associated with a valuation return rate or earnings rate. Once each data exchange is assigned a category, an account associated with a user who is identified for the transaction can be credited a return based on the return rate associated with the category. In some embodiments, if no category exists that satisfies the customizable criteria, a new category can be generated.

Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically modifying a payment instrument type of a user. One example method comprises receiving, via a communications module, a first signal including an indication of acceptance associated with a particular product selected from a set of potential products for replacing a current product associated with a first customer. At least one term or condition associated with the selected product is identified that is different than the terms or conditions associated with the at least one current product. The terms and conditions associated with the at least one current product associated with the first customer are automatically modified to correspond with the at least one different identified term or condition associated with the selected product, wherein modifying the terms or conditions does not change a unique identifier associated with the at least one current product being modified.

Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically modifying a payment instrument type of a user. One example method comprises receiving, via a communications module, a first signal including an indication of acceptance associated with a particular product selected from a set of potential products for replacing a current product associated with a first customer. At least one term or condition associated with the selected product is identified that is different than the terms or conditions associated with the at least one current product. The terms and conditions associated with the at least one current product associated with the first customer are automatically modified to correspond with the at least one different identified term or condition associated with the selected product, wherein modifying the terms or conditions does not change a unique identifier associated with the at least one current product being modified.

Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically modifying a financial product associated with a user, where the modified financial product is associated with an updated benefit at a partner system. One example method comprises receiving an indication of acceptance associated with a particular partner-related product for replacing a current product associated with a first customer. At least one term or condition associated with the particular partner-related product different than terms or conditions associated with the at least one current product are identified, including a change to at least one benefit associated with the partner system. The terms associated with the current product are modified without changing the unique identifier, and an indication of the at least one updated benefit associated with the partner system is transmitted to the partner system for immediate usage by the first customer.

Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically providing a lending offer for loyalty points based on a customer account analysis. One example method includes initiating an offer analysis for a customer account associated with a particular customer and storing an account balance and a point deficit balance. The offer analysis determines whether to provide an offer for a point loan, and is based on profile information of the customer, a current point balance, and a reward identified from the loyalty account. If an offer is to be provided, an offer for a loan of points equal to the difference between the current point balance of a loyalty account and the point value cost of the reward is transmitted to a client device of the customer. If accepted, the current point balance and the point deficit are both incremented by the amount of the offer.

Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically modifying a payment instrument type of a user. One example method comprises receiving, via a communications module, a first signal including an indication of acceptance associated with a particular product selected from a set of potential products for replacing a current product associated with a first customer. At least one term or condition associated with the selected product is identified that is different than the terms or conditions associated with the at least one current product. The terms and conditions associated with the at least one current product associated with the first customer are automatically modified to correspond with the at least one different identified term or condition associated with the selected product, wherein modifying the terms or conditions does not change a unique identifier associated with the at least one current product being modified.