| CPC G06Q 30/0238 (2013.01) [G06Q 20/208 (2013.01); G06Q 30/0219 (2013.01); G06Q 30/0222 (2013.01)] | 20 Claims |

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1. A computer-implemented method comprising:
storing, by one or more processors and in one or more databases, (i) a first set of benefits available to a user for a plurality of eligible items that are not individually identified, and ii) a second set of benefits available to the user for individually identified eligible items;
receiving, by the one or more processors and from a remote system, transaction data comprising a plurality of transaction items, and a single identifier associated with the user;
determining, by the one or more processors and based on accessing the first set of benefits and the second set of benefits in the one or more databases using the single identifier, that at least one of the first set of benefits or the second set of benefits applies to at least one transaction item of the plurality of transaction items;
generating, by the one or more processors and based on applying the at least one of the first set of benefits or the second set of benefits to the at least one transaction item, a benefit amount;
adjusting, by the one or more processors and in the one or more databases, at least one of the first set of benefits or the second set of benefits based on the benefit amount;
generating, by the one or more processors, a transaction treatment instruction associated with the benefit amount based on whether the first set of benefits or the second set of benefits were applied to the at least one transaction item; and
transmitting, by the one or more processors, the benefit amount and the transaction treatment instruction to the remote system for application during a transaction associated with the transaction data.
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