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: An organizer system for an ice cooler, ice chest or the like includes multiple trays of different heights that can be supported within a body of the ice cooler. The trays having different heights define multiple height compartments within the ice cooler, thereby enable different items such as cans, bottles, etc., to be stored with enhanced space efficiency. The trays each have dividing walls that define handles thereby enabling the trays to be removed from the ice cooler. The trays may be supported by a shelf within the ice cooler, or by an additional insert provided in the cooler. The insert may have sidewalls that abut the walls of the ice cooler. Cutouts may be provided in the insert sidewalls to enable drainage. The trays may also have openings for allowing cool air to circulate and to allow liquids to drain out of the trays. The openings may be positioned on the walls, bottom or both.

Abstract: An organizer system for an ice cooler, ice chest or the like includes multiple trays of different heights that can be supported within a body of the ice cooler. The trays having different heights define multiple height compartments within the ice cooler, thereby enable different items such as cans, bottles, etc., to be stored with enhanced space efficiency. The trays each have dividing walls that define handles thereby enabling the trays to be removed from the ice cooler. The trays may be supported by a shelf within the ice cooler, or by an additional insert provided in the cooler. The insert may have sidewalls that abut the walls of the ice cooler. Cutouts may be provided in the insert sidewalls to enable drainage. The trays may also have openings for allowing cool air to circulate and to allow liquids to drain out of the trays. The openings may be positioned on the walls, bottom or both.