US Patent 12086863 Systems for payment cards with updatable merchant data

A computing system includes a customer database storing information associated with a customer that includes information relating to an account associated with the customer and information received from a third-party computing system that includes a first offer; a network interface circuit structured to enable the computing system to exchange information over a network; and a processing circuit coupling to the customer database and to a payment device associated with the account. The payment device comprises a data storage. The processing circuit is structured to: receive, from the third-party computing system over the network, a second offer; update the information associated with the customer to include the second offer; determine to transmit the first offer to the data storage of the payment device and to refrain from transmitting the second offer; and transmit the first offer to the payment device for storage in the data storage of the payment device.