Abstract: A method for automatic redemption of available reward points is disclosed. The method may include linking a stored data profile of a customer of a merchant with at least one reward account of the customer, and receiving an update corresponding to a changed value of reward points available for redemption. The method may include updating the stored data profile of the customer with the changed value of reward points for redemption, and automatically accessing a list associated with the profile of the customer in response to the updating the stored data profile of the customer. The list may include at least one item to be purchased. The method may include identifying and purchasing at least one item from a subset of items from the list whose redemption values are equal to or less than the changed value of reward points based on a customer preference setting.

Abstract: A method for route optimization is disclosed. The method may include receiving information of a plurality of transactions of a user. Each transaction may be associated with at least one of a plurality of items. The method may include analyzing the information to identify a user-specific periodic transaction pattern for each item, and generating a list including at least one of the plurality of items. The list may be generated based on the analyzed information. The at least one item in the list may be associated with at least two of the plurality of transactions of the user. The method may further include displaying the list to the user at a time corresponding to the periodic transaction pattern, and generating a route from a current location of the user to a location of each item in the list, ordered based on the location of each item in the list.