Systems and Methods to Organize and Consolidate Data for Improved Data Storage and Processing

A computing system, comprising:

• a portal coupled to a first communication channel;
• a transaction handler separate from the portal, the transaction handler coupled to a second communication channel separate from the first communication channel;
• and
• a data warehouse coupled with the transaction handler and the portal, the data warehouse storing a first record identifying a first value retrievable for application to a transaction that satisfies a set of conditions associated with the first record, the first value being less than a threshold,
• wherein the portal is configured to receive, over the first communication channel, an input identifying a second value applicable to transactions that satisfy the set of conditions, to determine a sum of the first value and the second value is below the threshold, and to update the first record to identify a third value equal to the sum of the first value and the second value,
• wherein the portal is configured to generate a trigger record to monitor the first record, wherein the trigger record identifies a subset of the set of conditions,
• wherein the transaction handler is configured to process a plurality of transactions received over the second communication channel, each transaction of the plurality of transactions comprising an authorization communication, wherein the second communication channel is dedicated to communication of the authorization communication of each transaction of the plurality of transactions, and the transaction handler is configured to determine a first transaction of the plurality of transactions triggers the trigger record based on the authorization communication satisfying the subset of the set of conditions identified by the trigger record,
• wherein, in response to a determination that the first transaction triggers the trigger record, the portal is configured to determine whether the first transaction satisfies the set of conditions;
• and
• in response to a determination that the first transaction satisfies the set of conditions, the transaction handler is configured to retrieve at least a portion of the third value from the first record and apply the portion of the third value to the first transaction while the first transaction is being processed for authorization via the transaction handler.

At least one non-transitory computer readable medium comprising instructions that, when executed by at least one processor, cause the at least one processor to:

• store, by a portal in a data warehouse coupled thereto, a first record identifying a first value retrievable for application to a transaction that satisfies a set of conditions associated with the first record, the first value being less than a threshold;
• receive, in the portal over a first communication channel, an input identifying a second value applicable to transactions that satisfy the set of conditions;
• determine, by the portal, a sum of the first value and the second value is below the threshold;
• update, by the portal, the first record to identify a third value equal to the sum of the first value and the second value;
• generate, by the portal in the data warehouse, a trigger record to monitor the first record, wherein the trigger record identifies a subset of the set of conditions;
• process, by a transaction handler separate from the portal and coupled to the data warehouse, a plurality of transactions, each transaction of the plurality of transactions comprising an authorization communication received by the transaction handler over a second communication channel separate from the first communication channel, the second communication channel dedicated to communication of the authorization communication of each transaction of the plurality of transactions;
• determine, by the transaction handler, a first transaction of the plurality of transactions triggers the trigger record based on the authorization communication satisfying the subset of the set of conditions identified by the trigger record;
• in response to a determination that the first transaction triggers the trigger record, determine, by the portal, whether the first transaction satisfies the set of conditions;
• and
• in response to a determination that the first transaction satisfies the set of conditions, retrieve, by the transaction handler, at least a portion of the third value from the first record and apply the portion of the third value to the first transaction while the first transaction is being processed in the transaction handler.