Embodiments of the present invention provide methods, systems, apparatuses, and computer program products for classifying merchants. In one embodiment a method is provided comprising providing, a first promotion specifying a redemption and a charge monetary values, the redemption monetary value being specified by redemption parameters of the first promotion and a value indicative of a total amount of funds purchased in response to accepting an instance of the first promotion, wherein the funds purchased can be redeemed for offerings of one or more merchants specified by the promotion, the charge monetary value being a monetary value charged for accepting the first promotion, and providing a first classification classifying the first promotion as a promotion having a redemption monetary value that may be used to purchase offerings of the one or more merchants over the course of multiple transactions.

Computer systems and methods for interfacing with a third party website, comprising determining that a webpage of the third party website is being output in an interface of a web browser, and in response, generating an interface element that at least partially overlaps the webpage in the interface. The interface element includes a user-selectable graphical trigger that, when selected, causes digital codes to be automatically input into a data entry interface identified in the webpage, thereby triggering the third party website to receive each of the digital codes and to return a respective response. Based on monitoring the respective response to each of the digital codes, a particular digital code is identified that causes a greatest change in a numerical value displayed in the webpage. The particular digital code is applied to obtain a resulting numerical value that is displayed in the webpage.

Techniques and arrangements for generating multi-merchant loyalty programs and dynamically enrolling customers into a multi-merchant programs. The multi-merchant loyalty programs can be generated based on a determination that the merchants in respective programs are complementary, and/or the merchants being located within a threshold distance of one another. In some instances, a customer can be automatically enrolled in a multi-merchant loyalty program responsive to conducting a transaction with one of the merchants in the program. After enrollment, the customer can receive incentives to conduct transactions with the merchants in the program.

Systems and methods for automated personalized incentives are provided. A Universal Rewards Program (URP) automatically collects consumer data regarding spending and wagering behaviors, a provides personalized incentives such as cash back, discounts, deals, bonuses, gifts, retention incentives, referral bonuses, and other personalized incentives. The URP tailors the incentive based upon transaction data collected on the consumer. The URP can also monitor and provide an alert when spending and wagering behaviors can result in negative consequences.

Techniques and arrangements for generating multi-merchant loyalty programs and dynamically enrolling customers into a multi-merchant programs. The multi-merchant loyalty programs can be generated based on a determination that the merchants in respective programs are complementary, which may be done by determining that items offered for sale are complementary. One merchant can be associated with multiple multi-merchant programs. In some instances, a customer can be automatically enrolled in a multi-merchant loyalty program responsive to conducting a transaction with one of the merchants in the program. After enrollment, the customer can receive incentives to conduct transactions with the merchants in the program.

A payment integrated loyalty system including a point of sale terminal comprising a card reader, a communication subsystem configured to wirelessly communicate with a payment instrument, and configured to communicate over a network with at least a first and second server. The payment integrated loyalty system includes a processor in communication with the communication subsystem and card reader, configured to receive, through the communication subsystem, a payment instrument identifier associated with the payment instrument, and obtain a fingerprint based on one-way encrypting the payment instrument identifier. The processor is further configured to receive, from the first server via the communication subsystem, a loyalty balance associated with the fingerprint and to complete the financial transaction based on an updated amount based on the loyalty balance.

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.

This disclosure provides a loyalty program on a network-wide level. Embodiments may associate 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 analyzes and/or analyzes relating to consumer spending behaviors or patterns, for example. In accordance with one embodiment, the network may comprise any number of participants, including consumers (such as primary and supplementary members of an aggregate consumer account), retailers (e.g. including any of their employees), manufacturers, third-party providers, and the like. In accordance with one embodiment, this disclosure 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.

Methods, systems, and computer readable media for providing a personalized offers integration platform are provided. Personalized offers may be based on transaction details, geographic locations, and/or consumer preferences. In one embodiment, a wallet system, user equipment, electronic devices, and a payment and offers integration platform (POIP) are provided. The wallet system can receive of transaction details, geographic locations, and/or consumer preferences associated with a point of sale transaction. The received information may be translated into metadata, and an offer request is generated that includes the metadata. The POIP is configured to receive the offer request, determine a set of criteria from the metadata, query a plurality of offer or reward engines using the set of criteria for retrieving offers that correlate to the offer request, receive a plurality of offers from the plurality of offer or reward engines, and integrate the plurality of offers for formulating an offer response.

Rewards programs in which rewards are awarded for a series of transactions using a universal transaction associating identifier to associate transactions in common within each rewards program in a reward processing system. The system includes resource providers, a rewards program rule implementer having access to a rewards program database, and an implementer processor. The implementer processor receives transaction data whenever a transaction occurs using the universal transaction associating identifier, determines when a consumer has performed the transactions satisfying rules requirements, and identifies and awards a reward, including vouchers, for the consumer. The reward processing system generates a universal transaction associating identifier from a plurality of identification sources and provides for objects containing the universal transaction associating identifier. The reward processing system issues and redeems vouchers exchangeable for rewards. The system targets consumers and transmits messages adaptive to system elements, including rules requirements and the universal transaction associating identifier.