Abstract: A system for processing mobile payment transactions is described, the system includes a mobile electronic device having a mobile wallet module for initiating payment transactions from a mobile payment account associated with a payment service provider and operable to communicate with the payment service provider via a data network to settle the payment transaction. The mobile electronic device receives and stores data defining an off-line enabled merchant interface when the mobile electronic device is connected to the data network, processes an off-line payment transaction through the stored merchant interface when the mobile electronic device is not connected to the data network, and communicates details of the off-line payment transaction to the payment service provider when the mobile electronic device is re-connected to the data network.

Abstract: A point of sale system comprises at least one point of sale terminal arranged to receive an identifier for identifying customer account information associated with a customer and for identifying a first set of products and determining a first price for the first set of products. The point of sale system is further arranged to identify a second set of products based on the first set of products and determine a second price for the second set of products, determine a quantity of reward points in dependence upon the determined first and second prices, and to modify the identified customer account information based on the determined quantity of reward points.

Abstract: Method and apparatus for selecting customers to receive offers comprising: obtaining a set of transactions for a group of customers. Assigning transaction categories to the transactions within the set of transactions. Determining for each customer in the group of customers, a distribution of their transaction categories. Selecting the one or more customers to receive an offer based on their determined distribution of transaction categories.