Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.

Various implementations described herein are directed to a method for providing identity, payment and/or access. A primary account number (PAN) is read from a card or token. A hashed PAN is generated. A transaction result is determined based on the hashed PAN.

A computing device for risk-based analysis of a payment card transaction is provided herein. The computing device includes a processor communicatively coupled to a memory. The computing device is programmed to receive a request for authentication of the payment card transaction. The payment card transaction includes a suspect consumer presenting a payment card from a digital wallet of a privileged cardholder. The computing device is also programmed to identify fraud feature data from the digital wallet. The computing device is further programmed to compute a fraud score for the payment card transaction based at least in part on the fraud feature data. The computing device is still further programmed to provide the fraud score for use during authentication of the suspect consumer.

Methods and systems for regulating generation of units according to at least one encryption technique associated with a blockchain are disclosed. In some embodiments, a system includes a communication device configured to communicate with a computing device executing an application and a processor configured to execute instructions to perform operations. The operations include receiving transaction information describing a transaction; based on the transaction, determining product awards for at least one product awards program for the transaction; using the blockchain, determining a real-time conversion rate for the transaction, where the real-time conversion rate is regulated by the at least one encryption technique; based on the real-time conversion rate, converting the product awards to units; and entering into the blockchain encrypted data associated with the transaction, wherein the encrypted data is encrypted according to the at least one encryption technique.

In one embodiment, a method includes receiving, by a transaction processing system, an order request from a buyer. The order request includes identifying information for the buyer and corresponds to a request for a transaction between the buyer and a seller. The method includes identifying membership program information for the buyer corresponding to a membership program associated with the seller and order preference information for the buyer based on querying a database associated with the transaction processing system using the identifying information for the buyer. The method includes causing an order placement user interface to be presented to the buyer, the order placement user interface comprising data stored in the membership program information. The method includes receiving an order placement request corresponding to the order request via the order placement user interface. The method includes updating the membership program information for the user based on the order placement request.

In one embodiment, a method includes identifying an equity reward offer to be provided to a user, wherein the equity reward offer corresponds to an amount of equity associated a merchant, and redemption of the equity reward offer causes the corresponding amount of equity to be added to an equity account of the user, updating a redemption status of the equity reward offer based on activity of the specified user on the payment service and a pre-condition of the equity reward offer, such as a purchase associated with the merchant, and upon determining that the pre-condition has been satisfied, sending, to the client device associated with the specified user, instructions to display a notification message indicating that the equity reward offer can be redeemed using the payment account of the user to cause the associated amount of equity to be added to the equity account of the user.

Techniques and arrangements for concurrent processing of payments to multiple merchants in a shared program are described. A method, performed by a service computing device, can include receiving customer information associated with two transactions of a customer with two respective merchants that are in a shared program. Accrued benefits of the customer for conducting the two transactions in accordance with the program can be determined. The accrued benefits can be communicated to the customer via a customer device. The payments for both transactions can be processed, concurrently, in accordance with the accrued benefits. In examples, the merchants may be associated in the shared program based on locations of the merchants, a type of merchant, and/or goods or services offered for sale by the merchants.

The present invention provides an application linkage method, a computer program, and an application linkage system. In this application linkage method, an information terminal device: stores application account data of a user for a first application and a second application, and block chain account data of the user in a block chain system; transmits, in association with the block chain account data, a request for linking the first application and the second application to a first device that provides the first application or a second device that provides the second application; on the basis of the request for linking, causes the first device to transmit, to the block chain system, a request for giving the block chain account data a token based on the result of use of the first application by the user associated with the application account data; and causes the second device to obtain data about the presence or absence of the token given to the block chain account data, the amount of the token, and the content of or conditions for the token.

An electronic payment card processing system and method includes a host computing device having at least one processor in communication with a memory device and a multi-party payment processing network for processing payment-by-card transactions. The host computing device is configured to identify a first payment-by-card transaction between an enrolled cardholder and a first enrolled merchant that is processed over the multi-party payment processing network, identify at least one affiliated merchant of the first enrolled merchant; and send an affiliate incentive offer for the at least one affiliated merchant to the enrolled cardholder.

An example server includes: a memory storing an account database for a centralized reward hub; a processor interconnected with the memory, the processor configured to: provide a centralized reward hub interface for display at a client device associated with a client account, the centralized reward hub providing multiple merchants for selection; receive a selection of a merchant from the client device; redirect the client device to a merchant site for the selected merchant; provide, to a discount module integrated with the merchant site, a point balance for a client account; receive, from the discount module, an updated point balance for the client account after application of a portion of the point balance to apply a discount at the merchant site; and update the point balance for the client account in the account database.