Abstract: Exemplified systems and methods facilitate secured mobile payment transactions using credit cards, debit cards, bank account without having to transmit credit card, debit card, or bank account numbers over a wireless network. Rather, the exemplified systems and methods facilitate a highly secure and intuitive payment transaction and/or ATM cash withdrawal or transaction via two independent processes tied to a cloud or enterprise network—one performed between a customer computing device and a cloud network or enterprise network and another performed between a merchant computing device (including an ATM system) and the cloud or enterprise network. The validation token comprising a short code between 3 and 6 tokens in length is beneficially realized.

Abstract: A plurality of credentials is retrieved for a user by a computing device, wherein each of the plurality of credentials is associated with a loyalty program. For each loyalty program, itinerary data is retrieved from a server associated with the loyalty program using the credentials associated with the loyalty program from the plurality of credentials. The retrieved itinerary data retrieved for each of the loyalty programs is aggregated into an itinerary. The itinerary is presented to the user at the computing device. Loyalty points may be awarded to a user based on interaction with an application running on the computing device where the loyalty points may be redeemed for goods and services. Advertisers may be provided compensated based on the redemption of the loyalty point by users at their physical or virtual stores.