Abstract: A system and method enables a merchant to input a pending bill amount to a blue-tooth enabled beacon device and wirelessly relay that bill amount to a consumer's mobile device, which will then relay the amount to an internet connected server, which will securely calculate and apply the customer's store credit amount as a discount to the original bill, returning the updated amounts to the customer's mobile device for either manual payment or for payment using the customer's mobile wallet choice and subsequently the consumer mobile device will relay the appropriate net bill information to the blue-tooth enabled beacon device for display and then manual updating of a POS register.