Abstract: A wireless financial transaction instrument, such as a card, has a magnetic stripe, a display, and an on-board power supply, such as a battery, and is usable with a dual capture point of sale terminal. Information is received by such a terminal from the card wirelessly, and also from the magnetic stripe, and the data received contactlessly is preferably used to verify that read from the stripe. The display can display the account number on command, or to display a current balance, or amount of credit remaining, or any combination of these items of information.

Abstract: A filtering module to process purchase transaction data received from a retailer POS is disclosed. Merchant information is used to filter purchase transactions by determining whether the purchase transaction qualifies an initiating purchaser for a reward. The retailer POS transmits purchase data from a merchant to a host, wherein the purchase data includes retailer data, transaction data and a retailer item identifier, and wherein the retailer item identifier enables the host to determine a manufacturer item identifier. The retailer POS then receives a determination that the merchant is a qualifying merchant when the purchase data corresponds to the loyalty program data and causes the host to issue loyalty awards based on the manufacturer item identifier and the loyalty program data.