Abstract: Tracking real-word and virtual actions taken by a user. A personalized set of actions are derived from the tracked actions (of the user or multiple other users similar to the user) for inducing the user to take loyalty program-based actions for a loyalty system within the personalized set of actions. An account associated with the user is credited with a reward based on the user performing one or a preconfigured number of the loyalty-based actions within the personalized set of actions.

Abstract: System and methods for extracting behaviors and suggesting behaviors to achieve a desired credit score may include receiving, via a network, account data including information regarding currency outlays made by a first sample population; generating, by a computing device, a plurality of behavior patterns based on currency outlay patterns extracted from the account data; receiving, by the computing device, credit score data for the first sample population; formulating, by the computing device, a model for predicting a credit score change; and storing the model on a data storage device. The model may include variables corresponding to each of the plurality of behavior patterns and a likely credit score affect.

Abstract: A virtual wallet of a consumer is established for receiving and transferring units of rewards over a plurality of disparate communication channels and a plurality of disparate entities. Units of rewards are processed to credit the virtual wallet from an issuing entity to the consumer and the units of rewards are processed to debit the virtual wallet of the consumer and credit a redeeming entity. Moreover, the units of rewards represent blockchaining reward value.

Abstract: A mobile application is configured for providing contextual information to a consumer operating a mobile device and/or reporting contextual information to an enterprise service about the mobile device. The contextual information is provided or reported when the mobile device is detected within a geofence area; the geofence area surrounds a retailer of interest to the consumer.

Abstract: A virtual wallet of a consumer is established for receiving and transferring units of rewards over a plurality of disparate communication channels and a plurality of disparate entities. Units of rewards are processed to credit the virtual wallet from an issuing entity to the consumer and the units of rewards are processed to debit the virtual wallet of the consumer and credit a redeeming entity. Moreover, the units of rewards represent blockchaining reward value.

Abstract: Various embodiments herein relate to data processing, in particular with regard to a rule-based data processing engine. Such a rule-based data processing engine is employed in various embodiments to apply rules to customer data to generate offers of systems and programs, such as credit card and customer loyalty offerings, that achieve desired goals of an offering entity. One embodiment includes identifying at least one program for which an individual qualifies based upon data of the individual in view of respective program qualification criteria. This method further includes determining, for each identified program, at least one variable parameter of the respective program based on a respective parameter rule. This method then transmits, via a network, representations of each of the identified programs with respective determined parameters for presentation within a user interface.

Abstract: Various embodiments herein each include at least one of systems, methods, software, and modules for collateralization of reward or loyalty program liability. Some such embodiments provide mechanisms for identifying program liability that has a low likelihood of being redeemed, such as liability associated with participant accounts that have had no activity, and are therefore considered stale accounts, for a certain period, such as two or more years. Liability associated with such accounts may then be bundled into a pool and the entity operating the program may pay another entity to incur the liability for those accounts, typically for pennies on the dollar of financial value of the rewards involved.

Abstract: Systems and methods for making a payment may include receiving, at a computing device comprising a processor, payment information regarding the payment. Once the payment information is received, the computing device may select a form of payment from a plurality of forms of payment based upon the payment information by comparison of a benefit received using each of the forms of payment. After selecting the form of payment, the computing device may make the payment via the form of payment.

Abstract: System and methods for extracting behaviors and suggesting behaviors to achieve a desired credit score may include receiving, via a network, account data including information regarding currency outlays made by a first sample population; generating, by a computing device, a plurality of behavior patterns based on currency outlay patterns extracted from the account data; receiving, by the computing device, credit score data for the first sample population; formulating, by the computing device, a model for predicting a credit score change; and storing the model on a data storage device. The model may include variables corresponding to each of the plurality of behavior patterns and a likely credit score affect.

Abstract: A mobile application is configured for providing contextual information to a consumer operating a mobile device and/or reporting contextual information to an enterprise service about the mobile device. The contextual information is provided or reported when the mobile device is detected within a geofence area; the geofence area surrounds a retailer of interest to the consumer.