TECHNIQUES FOR USER-CONTROLLED REAL-TIME DATA PROCESSING.

摘要

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.