Abstract: The disclosure relates to systems and methods for facilitating loyalty and reward functionality in mobile commerce. In one embodiment, a method for providing a loyalty/reward program can include receiving an indication that a consumer has entered a predefined merchant location; transmitting a notification to a mobile device associated with the consumer; providing one or more payment tools on a mobile device for the consumer to facilitate a purchase from a merchant associated with the predefined merchant location; generating a loyalty/reward credit for an account associated with the consumer; and receiving an instruction from the consumer to redeem loyalty/reward credit for goods and/or service from the merchant.

Abstract: Systems, methods, and computer-readable media for processing payment delegate transactions are provided. A transaction message associated with a payment instrument of a customer may be received by a payment processing service from a merchant. The payment processing service may determine when the payment instrument is not a payment delegate. When the payment instrument is not a payment delegate, the payment processing service may communicate a response to the merchant processor. When the payment instrument is a payment delegate, a message may be communicated to a funding source gateway and/or an indication that the payment instrument is a payment delegate may be communicated to at least one memory.