Abstract: A method that includes receiving, from educational institutions, a rule set for each educational institution; receiving, from merchants, user data and usage data for a plurality of users; wherein each user is associated with an educational institution; wherein each educational institution is associated with a branding theme that comprises any one or more of: a name of the educational institution, a name of a mascot of the educational institution, and a color theme associated with the educational institution; calculating, for each user and based on the user data for the user, usage data for the user, and the rule set for the educational institution that is associated with the user, a reward point balance; and displaying, for each user and using the branding theme associated with the educational institution associated with the user, an available reward points balance on a graphical user interface that is associated with the user.