Abstract: Systems, methods and computer program products are provided for payment processing and employee compensation disbursement. Employee compensation is determined and disbursed into virtual accounts associated with corresponding employees, so as to avoid costs associated with traditional check distribution. Employees are provided with a means for accessing funds stored in their virtual accounts and utilizing such funds in a variety of possible manners, where employers are provided with the benefit of the float on the employee compensation funds until the funds are actually retrieved by the employees from their virtual accounts. Incentives are also provided for employees to use funds in their virtual accounts to purchase products, merchandise and/or services back from the employer company, so that the company employer further benefits from increased sales and the ability to retain funds allocated to virtual accounts.

Abstract: A method, system and products thereby for enhanced customer loyalty program with improved access to restaurant information. The system having a server configured to perform operations including storing data including at least an identifier associated with a customer account in the customer rewards program, the identifier corresponding to a registered credit card number. The server may be further configured to receive the data from a merchant terminal relating to a qualified purchase, the merchant terminal being located at one of the plurality of independent merchants participating in the closed coalition customer rewards program, and verify a customer's membership in the closed coalition customer rewards program. Additionally, the server may be further configured to transfer an award associated with the qualified purchase transaction to the customer account, and process a customer's directive for redeeming the award for use at the participating restaurant.

Abstract: A method and system for promoting customer loyalty to an anchor business within a certain geographical region from a plurality of participating merchants. The system having a server configured to store data including an identifier associated with a customer account in a customer rewards program. The server may receive the data and purchase transaction amount from a merchant terminal, verify a customer's membership in the customer rewards program, and transfer an award associated with the purchase transaction amount to the customer account. Additionally, the server may process customer's directive for redeeming the award for use at the anchor business.

Abstract: A method, system and products thereby for enhanced customer loyalty program with improved access to restaurant information. The system having a server configured to perform operations including storing restaurant data of a participating restaurant in a database and retrieving the restaurant data in response to a search engine command. The server may be further configured to receive electronic notification from the participating restaurant of a qualified purchase transaction associated with a customer account in a customer rewards program. Additionally, the server may be further configured to transfer an award associated with the qualified purchase transaction to the customer account, and process a customer's directive for redeeming the award for use at the participating restaurant.

Abstract: A closed loop loyalty, recognition and rewards program for merchants. Each merchant decides upon their own rewards criteria and similar or analogous identification systems are used to identify customers who are loyal customers of several merchants in a community. This works in conjunction with a system for identifying a customer's product based upon equity accumulation, the system having a memory and a remote processor. The consumer is issued for example, a chip in one embodiment which is RFID enabled and when the consumer enters the business their data comes up on the screen and loyalty programs that are customized for that merchant based upon the frequency of visits by the consumer, may be accessed. The two criteria for rewards are based upon number of visits and a timeframe specified by the merchant, likewise the system is designed so the merchants can communicate with their consumers and invite them to special events or make them aware of special offers.