Abstract: The present disclosure provides a multi-tenant loyalty platform for selective configuration of loyalty programs in a multi-tenant environment. An example platform comprises a processor and a memory storing instructions which, when executed by the processor, configure the multi-tenant loyalty platform to: cause presentation of loyalty program options to a first tenant in a multi-tenant environment; receive, from the first tenant, first order data relating to a selected program configuration; cause presentation of loyalty program options to a second tenant; receive, from the second tenant, second order data different from the first order data; store the first and second order data in a loyalty program data structure that includes loyalty program rules specific to each of the first and second tenants and the respective first and second loyalty programs; and configure the first and second loyalty programs using data stored in the loyalty program data structure.

Abstract: Methods and apparatus for using characterized devices such as memories. In one embodiment, characterized memories are associated with a range of performances over a range of operational parameters. The characterized memories can be used in conjunction with a solution density function to optimize memory searching. In one exemplary embodiment, a cryptocurrency miner can utilize characterized memories to generate memory hard proof-of-work (POW). The results may be further validated against general compute memories; such that only valid solutions are broadcasted to the mining community. In one embodiment, the validation mechanism is implemented for a plurality of searching apparatus in parallel to provide a more distributed and efficient approach. Various other applications for characterized memories are also described in greater detail herein (e.g., blockchain, social media, machine learning, probabilistic applications and other error-tolerant applications).

Abstract: Systems and methods for conducting person to person (P2P) transactions using points are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for person-to-person reward points gifting may include: (1) receiving, from a bank customer, a request to issue a reward points gift to a gift recipient, the request identifying gift recipient contact information for the gift recipient and a reward points amount; (2) sending a notification to the gift recipient contact information for the gift recipient to log in a gift recipient account to redeem the reward points gift; and (3) transferring the reward points amount to a gift recipient reward points account.

Abstract: Methods and apparatus for using characterized devices such as memories. In one embodiment, characterized memories are associated with a range of performances over a range of operational parameters. The characterized memories can be used in conjunction with a solution density function to optimize memory searching. In one exemplary embodiment, a cryptocurrency miner can utilize characterized memories to generate memory hard proof-of-work (POW). The results may be further validated against general compute memories; such that only valid solutions are broadcasted to the mining community. In one embodiment, the validation mechanism is implemented for a plurality of searching apparatus in parallel to provide a more distributed and efficient approach. Various other applications for characterized memories are also described in greater detail herein (e.g., blockchain, social media, machine learning, probabilistic applications and other error-tolerant applications).

Abstract: An automated method adapted to associate a consumer with a rewards program is described. The method includes: providing a bill to the consumer using a processing device; receiving payment information regarding the consumer; receiving biographical information regarding the consumer; and updating information regarding a user account associated with the rewards program. A software application adapted to process a payment and update rewards program information includes sets of instructions for: generating a bill for a set of goods or services provided to a consumer; receiving a method of payment from the consumer; determining an account associated with the method of payment; and updating the rewards program information associated with the account. An automated method of facilitating a redemption associated with a rewards program includes: receiving a bill associated with a consumer purchase; receiving payment information from the consumer; and applying at least a portion of a redemption balance to the bill.

Abstract: The present disclosure is directed toward a system that allows a promotion and marketing system to provide promotions to users of the promotion and marketing system for established that are currently not affiliated with the promotion and marketing system.

Abstract: A device may receive a command associated with identifying a merchant for a virtual card swap procedure wherein the virtual card swap procedure is to replace a credit card of a user with a virtual card corresponding to the credit card. The device may identify the merchant for the virtual card swap procedure based on the command. The device may obtain the virtual card for the user. The device may determine a virtual card swap procedure template for the merchant. The device may perform the virtual card swap procedure based on the virtual card swap procedure template.

Abstract: In one aspect, there is provided a computer-implemented loyalty commerce network for facilitating generation of an application via an application computing device for communicating with loyalty programs via corresponding loyalty program computing devices, the network comprising: an application programming interface for receiving a request for generating said application and for generating said application based on said request and pre-defined templates associated with at least one of said loyalty programs; a loyalty program interface configured for communicating between the loyalty commerce network and said at least one loyalty program, said loyalty program interface for redirecting said request to said loyalty program; said loyalty program interface for defining a plurality of pre-defined criteria for validating said application; and, a loyalty server processor for processing said request and for validating said application in dependence upon said criteria being met.

Abstract: A merchant funded rewards program for a participating entity enables merchants to become member merchants by registering with the program and receives transaction data from the participating entity. Reward points are provided to customers of the participating entity according to parameters defined by the member merchants based on the transaction data. Fees are charged to the member merchants for the rewards points.

Abstract: A system and method for operating a reward points accumulation and redemption program wherein a user earns rewards from a plurality of independent reward issuing entities, with each tracking the user's earned rewards. A trading server accumulates some or all of the user's earned rewards from the reward servers and credits the accumulated rewards into a single reward exchange account associated with the user. The user may then select an item for purchase with the accumulated rewards. The item is provided to the user in exchange for a subset or all of the rewards. Reward points may also be redeemed in exchange for services, such as the playing of a video game or Internet access.

Abstract: My pin driven CRE & MCPC system will consolidate rewards and credit & debit cards of each member into a single high security micro chip personal card that can be used at all vendors where these credit & debit cards are accepted. The CRE & MCPC card will be used as a traditional credit/debit card by inserting it into the card terminal at any vendor that accepts credit/debit card, enter their 5 digit pin; select the card from their account to charged the purchase to (ie: 1=AMEX; 2=VISA; 3=MASTERCARD; 4=DISCOVER and so on for local store credit cards.) This MCPC system will give each member the option to split up the payment of a single purchase with more than one card in their CRE & MCPC account. Members will also manage other aspect of rewards and credit/debit cards.

Abstract: A system and method of discounting a price-per-unit (PPU) of fuel during a fueling transaction by a customer at a fuel merchant. In one aspect, the invention identifies an issuer of the customer's credit card, associates the issuer with a PPU discount for the fuel, and discounts the posted PPU by an amount equal to the PPU discount associated with the identified credit card issuer. In another aspect, the invention determines that the customer participates in a reward program with a vendor with whom the fuel merchant has a relationship agreement for providing PPU discounts for fuel in exchange for redeemed reward points from the reward program. The customer's reward points are converted to a PPU discount, and the posted PPU of the fuel is discounted accordingly.

Abstract: Data is detected from transaction systems, the data including a party's financial inflows, holding, outflows, payables and receivables. Data is also detected from location systems, the data including a party's proximity to a place or further party. Data is processed to determine if a reward should be triggered. Rewards are expressed as an amount of a virtual currency.

Abstract: A method of providing rewards to a user by storing, in a portable computing device, user profile data which may be accessed by a merchant terminal. A merchant terminal interacts with the portable computing device by accessing the user profile data from the portable computing device, and providing the user with a reward in accordance with the user profile data accessed by the merchant terminal, wherein the merchant terminal provides a relatively greater reward to the user when relatively more user profile data is accessed by the merchant terminal and a relatively lesser reward to the user when relatively less data is accessed by the merchant terminal.

Abstract: A system and method for operating a reward points accumulation and redemption program wherein a user earns reward points from a plurality of independent reward points issuing entities, with each tracking the user's earned reward points in a user reward point account stored on a multi-function card (such as a frequent flyer account or a credit card loyalty account). The multi-function card is adapted to aggregate some or all of the user's earned reward points from the reward accounts and credit the aggregated points into a single reward exchange account on the multi-function card. The user may then select an item for purchase with the accumulated reward points from the multi-function card. The item is provided to the user in exchange for a subset or all of the reward points from the multi-function card.

Abstract: A method and system for linking multiple pre-existing reward programs is disclosed. The method includes receiving information about a first pre-existing reward program for a first product, where the first reward program provides for a first reward, and receiving information about a second pre-existing reward program for a second product, wherein the second reward program provides a second reward. A combination reward program is provided, and the combination reward program provides a combination reward that is greater than each of the first reward and the second reward.

Abstract: A system and method for providing a universal loyalty rewards and currency consolidation program is disclosed. The system allows customers to make purchases and earn rewards from a plurality of participant merchants using multiple payment forms, and at the same time, allows customers to redeem rewards at both participant and non-participant merchants. The system may be implemented in both physical retail environments and online shopping environments.

Abstract: Reward program management system for managing multiple rewards earned through participation in multiple reward earning programs of different earn partners by a person, the person having multiple identifiers, comprising: a server accessible to earn partners receiving reward information including rewards earned by the person and one of the multiple identifiers; a database storing the rewards earned by the person and the identifier associated with each reward; the server providing the person with an interface to receive information from the person regarding at least two of the multiple identifiers to create a set of linked identifiers; a computer processor retrieving and totaling the rewards earned by the person stored in the database in association with all of the identifiers of the set of linked identifiers to create a total reward; the server, accessible to burn partners, providing information regarding the total reward upon receipt from a burn partner of one of the set of linked identifiers.

Abstract: The loyalty system allows a consumer to accumulate general loyalty points from one or more merchants, and convert any desired subset of general points to loyalty dollars associated with a specific merchant. The system stores, for each consumer, the merchant loyalty dollars (or monetary equivalent) by merchant within a remotely-accessible host database or within a smart card database. Upon conducting a purchase at a particular merchant, the consumer may utilize a code key to facilitate access to the consumer's own loyalty dollars for the particular merchant. The loyalty dollars are then applied to the purchase transaction as a discount or rebate. The consumer may also re-load the merchant loyalty dollar accounts.

Abstract: A value allocation brokerage and exchange system. In one embodiment, the value allocation brokerage and exchange system comprises a broker server used to buy and sell points over the Internet. The broker system is operably coupled to a local area network over a communications link. The local area network includes a database server hosted by a database host, with the database server maintaining a database of recent Internet point transactions. The broker server receives requests from users to exchange points with respect to a plurality of potential point systems.

Abstract: A system that facilitates providing of commercial offers is described. During operation, this system receives financial information associated with a user of financial software. Then, the system presents an icon corresponding to the commercial offer to the user. This commercial offer is targeted to the user based on a financial history of the user, which includes multiple transactions with multiple commercial establishments. Moreover, the icon exhibits animated behavior which can vary over time, and the user can pursue the commercial offer by interacting with the icon.

Abstract: Embodiments are directed to sharing a loyalty and rewards program across multiple merchants. In one scenario, a computer system receives an indication that a user has redeemed a specified number of loyalty points using a redemption code for items at a second merchant, where the user has received at least some loyalty points from a first merchant as the result of a prior purchase, and where the user's loyalty points are stored in loyalty points store. The computer system then debits, from the user's store of loyalty points, the specified number of loyalty points redeemed by the user, credits the second merchant with at least some of the value associated with the items paid for using the stored loyalty points, and debits the first merchant for at least some of the value associated with the items paid for using the user's stored loyalty points.

Abstract: Systems and methods are disclosed for providing a financial account with incentives. In one implementation, a method is provided that includes receiving a selection of at least one identified merchant from a customer, the customer being associated with the financial account. The method also includes providing a first incentive to the financial account for one or more purchases made with the financial account at a merchant other than the identified merchant. Further, the method may include providing a second incentive to the financial account for one or more purchases made at the identified merchant with the financial account, wherein the first incentive is different than the second incentive.

Abstract: The systems and methods of the disclosure allow user from various countries to take advantage of offers when they are traveling internationally. Once the purchase associated with the offer is made, the transaction information may be processed by the system, such that, the credit and debit associated with the purchase are transmitted to the transaction account and the merchant. The transaction information may be further processed to determine whether the particular transaction is eligible for a reward. Where the transaction is eligible for a reward, the credit and debit associated with reward are transmitted to the transaction account and the sponsoring entity. The reward may be provided in any suitable currency or in various currencies based on the parameters governing the reward offer.

Abstract: A system and method for implementing a merchant loyalty program is disclosed. The invention includes receiving purchase data, wherein the purchase data comprises a consumer account code, a purchase amount, and a service establishment code; associating the service establishment code with a merchant proprietor rewards account code; calculating a reward amount based on the purchase amount; and, crediting a merchant proprietor reward account with at least a portion of said reward amount.

Abstract: A filtering module to process purchase transaction data received from a retailer POS is disclosed. Merchant information is used to filter purchase transactions by determining whether the purchase transaction qualifies an initiating purchaser for a reward. The retailer POS transmits purchase data from a merchant to a host, wherein the purchase data includes retailer data, transaction data and a retailer item identifier, and wherein the retailer item identifier enables the host to determine a manufacturer item identifier. The retailer POS then receives a determination that the merchant is a qualifying merchant when the purchase data corresponds to the loyalty program data and causes the host to issue loyalty awards based on the manufacturer item identifier and the loyalty program data.

Abstract: A search engine, system and method for locating and rating a plurality of electronic mentions of respective ones of a plurality of brands.

Abstract: A system and method for operating a reward points accumulation and redemption program wherein a user earns reward points from a plurality of independent reward points issuing entities, with each tracking the user's earned reward points in a user reward point account stored on a multi-function card (such as a frequent flyer account or a credit card loyalty account). The multi-function card is adapted to aggregate some or all of the user's earned reward points from the reward accounts and credit the aggregated points into a single reward exchange account on the multi-function card. The user may then select an item for purchase with the accumulated reward points from the multi-function card. The item is provided to the user in exchange for a subset or all of the reward points from the multi-function card.

Abstract: A system for managing coupon redemption and prioritization is provided. According to one aspect of the system, the system allows an electronic coupon or reward to be redeemed a specific number of times. The specific number of times may range from one to infinity. According to another aspect of the system, the system automatically resolves any redemption conflict associated with the concurrent redemption of electronic coupon(s) and paper-based coupon(s) by using certain predefined rules and logic.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for associating a gift card with a financial account and converting the gift card to rewards points. An exemplary apparatus is configured to: receive information associated with a gift card, the gift card being associated with a merchant; associate the gift card with an account; enable selection of an option to an option to convert the gift card to rewards points; and convert the gift card to the rewards points based at least partially on the user selecting the option to convert the gift card to the rewards points.

Abstract: A system and method for offering rewards. The method comprising the steps of: receiving a plurality transaction occurrences from a plurality of merchants relating to at least one account; ordering the plurality of transaction occurrences based on an ordering scheme; selecting a winning transaction from the plurality of transaction occurrences based on a reward selection scheme; and rewarding at least one reward to a user associated with the winning transaction.

Abstract: A system and method for operating a reward points accumulation and redemption program wherein a user earns rewards from a plurality of independent reward issuing entities, with each tracking the user's earned rewards. A trading server accumulates some or all of the user's earned rewards from the reward servers and credits the accumulated rewards into a single reward exchange account associated with the user. The user may then select an item for purchase with the accumulated rewards. The item is provided to the user in exchange for a subset or all of the rewards. Reward points may also be redeemed in exchange for services, such as the playing of a video game or Internet access.

Abstract: A method for attributing revenue for embedded software. The method includes the first step of determining the presence of more than one type of embedded software on a given client site. Then, the process assigns priority based on the length of time each type has resided on the client system and the source of each type, followed by classifying each software type, based on the history of present and predecessor copies of the software. A distribution factor is applied to each software type, based on priority and classification, partner revenue is distributed based on the distribution factor applied to each software type.

Abstract: A system and method for providing a commercial game that poses questions to a user related to advertisements that the user views or listens to using a multimedia device such as a computer connected to the Internet. Points may be awarded to the user based on the number of questions answered correctly, the number of advertisements viewed, the length of time advertisements are viewed, the number of attempts at answering each question before providing the correct answer, or other advertiser-selected criteria. Points earned by the user are immediately redeemable for services such as subscription services, movies downloads, Pay-Per-View credits, or for any other tangible or intangible good, service, or reward representing a monetary value. If the user provides an incorrect answer to a question, the user is permitted to watch the advertisement multiple times until a correct answer is provided and points are awarded.

Abstract: A crowdfunding platform can receive an indication that an entity has completed an action. Examples of an entity include a funder, a campaign account owner, a third party and a combination thereof. Examples of actions include making a purchase, subscribing to a service, joining an entity's social network, etc. Upon receiving the indication, an account (e.g., a crowdfund account such as a funder and/or campaign account) can be credited with a value that can correspond to the completion of the action. Value can be transferred from an external account (such as travel rewards program, an external virtual currency account, etc.) to a crowdfund account and vice versa. If the transferor account is denominated in a different unit of value than the transferee account, an exchange rate can be determined and applied to the transaction.

Abstract: The present invention provides a system for implementing a loyalty program on a network-wide level. The system associates UPC and SKU data on a network level to reward consumers and/or to analyze the data for a variety of business purposes, such as market segmentation analysis and/or analysis relating to consumer spending behaviors or patterns, for example. In accordance with one aspect of the invention, the network may comprise any number of participants, including consumers (such primary and supplementary members of an aggregate consumer account), retailers (and any of their employees), manufacturers, third-party providers, and the like. In accordance with one aspect, the system enables participation by supplementary members who are associated with a primary member and, in this manner, facilitates the tracking of supplementary member purchasing behavior, reward points earning behavior, and reward points redemption behavior.

Abstract: A method of providing coupons for shopping includes storing a shopping list in an electronic device including items for purchase via a merchant, storing electronic representations of coupons in the electronic device and associating the electronic representations of coupons with items included in the shopping list.

Abstract: A system and method for operating a reward points accumulation and redemption program wherein a user earns rewards from a plurality of independent reward issuing entities, with each tracking the user's earned rewards. A trading server accumulates some or all of the user's earned rewards from the reward servers and credits the accumulated points rewards into a single reward exchange account associated with the user. The user may then select an item for purchase with the accumulated rewards. The item is provided to the user in exchange for a subset or all of the rewards. Reward points may also be redeemed in exchange for services, such as the playing of a video game or Internet access.

Abstract: Methods and systems for paying with loyalty currency at a merchant website by a user using a browser app are provided. The user is presented with the loyalty currency balance information based on the loyalty currency units available in the loyalty currency account. Thereafter, the user is presented with an option to pay for the purchase transaction using the loyalty currency. The user may select the option of paying for the purchase transaction using the loyalty currency, thereby redeeming the loyalty points.

Abstract: A method and apparatus are disclosed, the method for enabling a customer to perform a transaction for an item. A plurality of loyalty programs may be used to perform the transaction. A cash payment may additionally be used if not enough points are used for the transaction. A profit made from the transaction is determined and is shared amongst the clients managing the loyalty programs used for performing the transaction.

Abstract: Techniques, for automatically determining frequent traveler award redemptions by rule are disclosed. The frequent travel award redemption program is encoded in rules using predefined data structures based on fare by rule data structures. The techniques automatically determine a travel itinerary based on a query and the rules. Also included is a graphical user interface that displays a plurality of possible travel options for redemption using a frequent travel award. The rules include fields to determine co-pay options and for calculating mileage purchase options.

Abstract: A method, system and computer program for enabling a loyalty system to be linked to one or more card issuers, cardholders, merchants, and thereby their cardholders. A system operable to create, implement and manage one or more loyalty programs that provide benefits to members of the loyalty programs in connection with transactions between the members and one or more merchants associated with the loyalty system. The method includes registering on the loyalty system one or more card issuers; one or more merchant acquirers associated with the one or more card issuers; a plurality of cardholders as members of the loyalty program. Establishing and applying rules for accrual and processing of benefits from the merchants to cardholders associated with the one or more card issuers in connection with transactions between the cardholders and the merchants with the loyalty system. Defining a rule based survey utility operable to issue surveys to members of the loyalty system on a transaction and non-transaction basis.

Abstract: A method and system are provided for linking loyalty programs for merchants and debit card customers.

Abstract: A method for managing bonuses is disclosed.

Abstract: A system including a memory storing user account information, wherein the information comprises funding sources including multiple non-cash, non-credit based funding options; and one or more processors for communicating the multiple non-cash, non-credit based funding options on a merchant site; receiving a selection of a first option of the multiple non-cash, non-credit based funding options made by a user from the merchant site; and processing a payment using the selected first option.

Abstract: The invention relates to a method for real time credit calculation of differing loyalty programs based on telephone usage of a user and use of IP-based multimedia sub system (IMS) services, wherein statistical data for the user is recorded and stored in a databank by means of an OSAS (Online Statistic Advertisement Server) service. The invention is characterized by storage of loyalty profiles in the LPF, registration of the customer in the IMS, start up of a service by the customer/user, contacting the OSAS in real time via the HSS profile, recording the statistics in real time for the service such as, for example, type, time spans and similar, triggering the OLS based on the HSS profile, startup of the interfaces by the OLS, use of operator systems through the OLS and provision of the service after contacting the OLS.

Abstract: To execute an ecommerce purchase transaction between a customer and merchant using rewards points made available to the customer through a rewards program provider, a system executes a transaction with the merchant and the rewards program provider. The system receives a customer request to execute the purchase using rewards points. Additionally, the system retrieves customer reward points information responsive to a customer authorization and determines a redemption rate for redeeming the rewards points to transaction currency. The system executes a redemption transaction with the rewards program provider, thereby receiving transaction currency in exchange for released points. The system also executes a transaction with the merchant, purchasing one or more customer selected item on behalf of the customer using transaction currency. Finally, the system provides the user with updated reward points account information.

Abstract: The loyalty system allows a consumer to accumulate general loyalty points from one or more merchants, and convert any desired subset of general points to loyalty dollars associated with a specific merchant. The system stores, for each consumer, the merchant loyalty dollars (or monetary equivalent) by merchant within a remotely-accessible host database or within a smart card database. Upon conducting a purchase at a particular merchant, the consumer may utilize a code key to facilitate access to the consumer's own loyalty dollars for the particular merchant. The loyalty dollars are then applied to the purchase transaction as a discount or rebate. The consumer may also re-load the merchant loyalty dollar accounts.

Abstract: A computerized system and method that enables identifying the best payment currency for a product or service is disclosed. Payment currencies include cash, reward programs and the unit or currency in which reward programs are denominated, and combinations thereof. A single product search request initiates searches of multiple payment currencies. Availability, discounts, prices, comparable costs, net values and relative values are determined and/or calculated per each payment currency. Comparable cost, relative value, or other criteria, may be used to determine the best payment method, that is, the lowest cost in a common currency, such as cash. Determination of the best payment currency is accomplished in “real-time” and has an advantage of leveraging quantitative and qualitative analysis in its determination. In addition, the search may be personalized by adding information unique to each user.

Abstract: A distributed computer system is provided for collecting player information. Further, a scoring system is provided that rates a player based on one or more elements of the collected information. Players may be rated with respect to a number of characteristics. Responsive to a determined rating or score, action may be taken by the distributed system with regard to the player. For instance, the player may be provided a complimentary offer, provided an award, and invitation to come to a gambling location, presented an advertisement, or other action may be performed involving the player. Further, the distributed computer system may permit a player to manage their frequent player accounts and receive complimentary offers based on a set of criteria specified by the player.