Abstract: Systems and methods are provided for processing a request to capture funds from a financial account: In one embodiment, a method is provided that includes receiving a request for a merchant to capture funds from a customer's financial accounts and determining, based on the request, whether the customer is a member of a program (such as a loyalty program) offered by the merchant. If the customer is a member of a program offered by the merchant, then an indication is provided of the customer's membership to the merchant. If the customer is not a member of a program offered by the merchant, then the request is forwarded for authorization.

Abstract: A data card for facilitating a transaction, including a card body having a front surface and a back surface, a first data storage section storing a first set of data, a second data storage section storing a second set of data, a third data storage section storing a third set of data, and a fourth data storage section storing a fourth set of data. At least two of the first data storage section, the second data storage section, the third data storage section, and the fourth data storage section store different data. Each of the data storage sections is operable for facilitating the same transaction.