Merchant loyalty platform

A computer-implemented method, comprising:

• displaying, by a consumer device via execution of an issuer application operating on the consumer device, a graphical user interface (GUI) comprising a button configured to allow modification of a first redemption rule associated with a merchant, wherein the issuer application is associated with an issuer system and enables a consumer to view loyalty program data for a plurality of merchants associated with the consumer;
• transmitting, by the consumer device and at least in part in response to selection of the button by the consumer, a requested modification to the first redemption rule;
• receiving, by a loyalty rewards server and at least in part in response to the requested modification to the first redemption rule, a configuration request to configure the first redemption rule, wherein the configuration request comprises a consumer PAN, a merchant identifier associated with the merchant, and the requested modification to the first redemption rule;
• modifying, by the loyalty rewards server, the first redemption rule associated with the merchant at a rewards database for the consumer, wherein the rewards database comprises rewards data for the plurality of merchants associated with a consumer, and wherein the rewards database is remote to the plurality of merchants;
• providing, by the loyalty rewards server, an acknowledgement message to the issuer system indicating that the first redemption rule was modified;
• receiving, by the loyalty rewards server, transaction information associated with a transaction between the consumer and the merchant, wherein the transaction information comprises a transaction amount, the merchant identifier associated with the merchant, and the consumer PAN associated with the consumer;
• querying the rewards database, by the loyalty rewards server, earned-rewards rules, set by the merchant, with the merchant identifier and redemption rules set by the consumer, wherein the redemption rules automatically apply an earned-rewards, and wherein the redemption rules comprise the modified first redemption rule;
• determining, by the loyalty rewards server, the transaction qualifies to apply consumer rewards to the transaction amount based the earned-rewards rules;
• calculating, by the loyalty rewards server, a value associated with redeemed points to apply to the transaction based on the earned-rewards rules and the modified first redemption rule;
• transmitting, by the loyalty rewards server, the value associated with the redeemed points to a payment processing server, wherein the transaction amount in a transaction authorization request is reduced by the value associated with the redeemed points;
• receiving, by the loyalty rewards server, a message indicating that the transaction amount was approved for the transaction authorization request;
• and
• updating, by the loyalty rewards server, a rewards balance in the rewards database for the consumer based on the consumer PAN and the merchant identifier.

A system comprising:

• one or more memories;
• and
• one or more processors communicably coupled to the memories, wherein the one or more processors is configured to:
• display, via execution of an issuer application, a graphical user interface (GUI) on a consumer device comprising a button configured to allow modification of a first redemption rule associated with a merchant, wherein the issuer application is associated with an issuer system and enables a consumer to view loyalty program data for a plurality of merchants associated with the consumer;
• transmitting, at least in part in response to selection of the button by the consumer, a requested modification to the first redemption rule;
• receive, and at least in part in response to the requested modification to the first redemption rule, a configuration request to configure the first redemption rule, wherein the configuration request comprises a consumer PAN, a merchant identifier associated with merchant, and the requested modification to the first redemption rule;
• modifying the first redemption rule associated with the merchant at a rewards database for the consumer, wherein the rewards database comprises rewards data for the plurality of merchants associated with the consumer, and wherein the rewards database is remote to the plurality of merchants;
• providing an acknowledgement message to the issuer system indicating that the first redemption rule was modified;
• receive a transaction authorization request, wherein the transaction authorization request comprises transaction information associated with a transaction between the consumer and the merchant, and wherein the transaction information comprises an original transaction amount, the merchant identifier associated with the merchant, and the consumer PAN associated with the consumer;
• query the rewards database for earned-rewards rules, set by the merchant, with the merchant identifier and redemption rules, set by the consumer, with the consumer PAN, wherein the redemption rules automatically apply an earned-rewards, and wherein the redemption rules comprise the modified first redemption rule;
• determine the transaction qualifies to apply consumer rewards to the original transaction amount based the earned-rewards rules and the modified first redemption rule;
• calculate a value associated with redeemed points to apply to the transaction based on the earned-rewards rules and the modified first redemption rule;
• update an updated transaction amount for the transaction authorization request, wherein the updated transaction amount is the original transaction amount in the transaction authorization request reduced by the value associated with the redeemed points;
• transmit the updated transaction amount for the transaction authorization request to the issuer system;
• receive an authorization response indicating that the updated transaction amount was approved for the transaction authorization request;
• update a rewards balance in the rewards database for the consumer based on the consumer PAN and the merchant identifier;
• and
• transmit the authorization response to the merchant indicating that the updated transaction amount was approved for the transaction authorization request.