Systems and methods for distributing digital rewards between third parties

An apparatus for distributing digital rewards between third parties, the apparatus comprising:

• communications hardware configured to:
• receive rewards data representative of at least a digital rewards profile comprising a digital rewards amount for a digital rewards program of a user, and
• receive a rewards mapping request comprising instructions to identify one or more available digital rewards sources compatible with the digital rewards amount;
• receive, from a first user device, user location data representative of a first user device location;
• geolocation circuitry configured to determine, using a satellite-based radio navigation system and based on the first user device location, geofence location data representative of a geofence location;
• digital rewards mapping circuitry configured to identify, based on the rewards mapping request, the geofence location data, and the rewards data, one or more digital rewards sources associated with the geofence location, wherein the one or more digital rewards sources comprises one or more of a second digital rewards profile comprising a second digital rewards amount or an incentive multiplier;
• credential circuitry configured to authenticate the user location data based on (i) an identification of the first user device to a point-of-sale device using active or passive near-field communication protocols, and (ii) a determination that the point-of-sale device is associated with the geofence location, wherein the first user device and the point-of-sale device include respective near-field communication circuits;
• and
• digital rewards transfer circuitry configured to, in response to authenticating the user location data, cause transmission, from the one or more digital rewards sources to the digital rewards profile, of at least one of a predefined digital rewards amount of the digital rewards program.

A computer program product for distributing digital rewards between third parties, the computer program product comprising at least one non-transitory computer-readable storage medium storing software instructions that, when executed, cause an apparatus to:

• receive rewards data representative of at least a digital rewards profile comprising a digital rewards amount for a digital rewards program of a user;
• receive a rewards mapping request comprising instructions to identify one or more available digital rewards sources compatible with the digital rewards amount;
• receive user location data representative of a first user device location;
• determine, at least in part using a satellite-based radio navigation system and based on the first user device location, geofence location data representative of a geofence location;
• identify, based on the rewards mapping request, the geofence location data, and the rewards data, one or more digital rewards sources associated with the geofence location, wherein the one or more digital rewards sources comprises one or more of a second digital rewards profile comprising a second digital rewards amount or an incentive multiplier;
• authenticate, by credential circuitry, the user location data based on (i) an identification of the first user device to a point-of-sale device using active or passive near-field communication protocols, and (ii) a determination that the point-of-sale device is associated with the geofence location, wherein the first user device and the point-of-sale device include respective near-field communication circuits;
• and
• in response to authenticating the user location data, cause transmission, from the one or more digital rewards sources to the digital rewards profile, of at least one of a predefined digital rewards amount of the digital rewards program.