Abstract: A mobile rewards real-time redemption system allows members of programs to use a mobile rewards redemption application via their mobile device to redeem currency or points. A ‘ghost’ credit/debit vehicle (account) is used to redeem the rewards currency or points. The ghost card completes the financial transaction which is, from the perspective of a redemption retailer, a conventional card transaction.

Abstract: A mobile rewards real-time redemption system allows members of programs to use a mobile rewards redemption application via their mobile device to redeem currency or points. A ‘ghost’ credit/debit vehicle (account) is used to redeem the rewards currency or points. The ghost card completes the financial transaction which is, from the perspective of a redemption retailer, a conventional card transaction.

Abstract: A loyalty server method and system confirms that a purchased product of an SCPG/OEM is listed in a product code database, that the purchased product was purchased using a financial institution product of a particular financial institution, and that the member purchasing the product and requesting a reward is listed in a loyalty database. In response, currency is added to a reward account of the member and the SCPG/OEM is provided access to member contact information to contact the member directly. At least a portion of the reward can be provided by the SCPG/OEM.

Abstract: Customers making purchases via a mobile payments method involving an electronic receipt (ereceipt) will be provided the option to participate in a direct to consumer CPG\OEM program. A module within their mobile wallet will detect new receipts and submit them to the CPG\OEM Coalition Loyalty System. Once submitted to the CPG\OEM Coalition Loyalty System, ereceipts will be decomposed and purchased items within the ereceipt will be associated to individual CPGs\OEMs. Purchased items identified to individual participating CPG\OEM loyalty programs will have associated action invoked (e.g., discount, awarding of points or other marketing activities).

Abstract: A mobile rewards real-time redemption system allows members of programs to use a mobile rewards redemption application via their mobile device to redeem currency or points. A ‘ghost’ credit/debit vehicle (account) is used to redeem the rewards currency or points. The ghost card completes the financial transaction which is, from the perspective of a redemption retailer, a conventional card transaction.

Abstract: A mobile rewards real-time redemption system allows members of programs to use a mobile rewards redemption application via their mobile device to redeem currency or points. A ‘ghost’ credit/debit vehicle (account) is used to redeem the rewards currency or points. The ghost card completes the financial transaction which is, from the perspective of a redemption retailer, a conventional card transaction.

Abstract: An instant fulfillment system allows members of programs, such as an incentive, reward, affinity or loyalty program, to use an instant reward card to redeem currency or points stored in a database, for instant ‘rebates’ or ‘discounts’ at selected retailers.