Abstract: Systems and methods configured for receiving, from a user device associated with a user, a first request to associate the user with a target and account information associated with the user; retrieving the target from a database to associate the user with the retrieved target; receiving, from an entity, event data associated with the account information; computing an amount of contribution based on the received event data; transmitting the computed amount of contribution to a distribution system configured to distribute the contribution to the associated target; updating the database by aggregating the computed amount of contribution to a stored contribution data associated with the user; retrieving pre-authenticated data of the user allowing transmission of a message to a public forum; generating the message based on the event data and the computed amount of contribution; and transmitting the message to one or more devices via the public forum.

Abstract: Systems and methods configured for receiving a first signal from a user device associated with a user account; modifying a data record linked to the user account to unsuspend a protection program for the user account in response to the first signal; receiving a first request from a transaction processing system charging a first amount against the user account, the first amount being greater than a current balance of the user account; and processing the first request by: generating an authorization signal for the transaction processing system approving the first amount; modifying the data record to reflect a first balance corresponding to a difference between the current balance and the first amount; and generating a first notification signal for the user device based on the first request.

Abstract: Systems and methods configured for receiving, from a user device associated with a user, a first request to associate the user with a target and account information associated with the user; retrieving the target from a database to associate the user with the retrieved target; receiving, from an entity, event data associated with the account information; computing an amount of contribution based on the received event data; transmitting the computed amount of contribution to a distribution system configured to distribute the contribution to the associated target; updating the database by aggregating the computed amount of contribution to a stored contribution data associated with the user; retrieving pre-authenticated data of the user allowing transmission of a message to a public forum; generating the message based on the event data and the computed amount of contribution; and transmitting the message to one or more devices via the public forum.