Abstract: Example methods and apparatus for combining electronic payment and rewards redemption at retail points of sale are disclosed. A point of sale (POS) system may be configured to facilitate contactless payments while securing customer payment data. When a customer with a payment application installed on a mobile device initiates a transaction, the application obtains reference data associated with a customer account from an account services server of the POS. The reference data is then passed from the application of the mobile device to a POS terminal, such as by near field communication. Upon receiving the token, the POS terminal obtains customer payment data from the account services server and rewards program data for the customer from a rewards program server. Available rewards may be automatically applied prior to processing payment using the payment data to complete the contactless payment transaction.

Abstract: Techniques for real-time delivery of personalized content are provided. An example method includes detecting that a delivery server invoked an API in response to the delivery server detecting that a client device is accessing a communication provided to the client device by the delivery server, the communication formatted in accordance with a template; receiving a request for offers, the request including a user identifier associated with a user of the client device and offer query criteria based on the template; building the offers by: retrieving candidate offers specific to the user from a database server using an API request; and, based on the offer query criteria, identifying the offers, from the candidate offers, to deliver to the delivery server; and transmitting the offers to the delivery server to cause the delivery server to populate the communication with content corresponding to the offers.

Abstract: Example methods and apparatus for combining electronic payment and rewards redemption at retail points of sale are disclosed. A point of sale (POS) system may be configured to facilitate contactless payments while securing customer payment data. When a customer with a payment application installed on a mobile device initiates a transaction, the application obtains reference data associated with a customer account from an account services server of the POS. The reference data is then passed from the application of the mobile device to a POS terminal, such as by near field communication. Upon receiving the token, the POS terminal obtains customer payment data from the account services server and rewards program data for the customer from a rewards program server. Available rewards may be automatically applied prior to processing payment using the payment data to complete the contactless payment transaction.