Abstract: A system for managing a loyalty reward program includes a server module configured to receive transaction requests from a plurality of merchant devices. Each transaction request includes transaction data comprising a customer identifier, a merchant identifier, a tender selection and an amount. A transaction processing module is operatively coupled with the server module and is configured to process the transaction data to identify a currency amount and at least one of a redemption amount as a function of the customer identifier and a reward amount as a function of the tender selection. A financial account access module is configured to access a financial account associated with the customer identifier and debit the currency amount from the financial account.

Abstract: A system for managing a loyalty reward program includes a server module configured to receive transaction requests from a plurality of merchant devices. Each transaction request includes transaction data comprising a customer identifier, a merchant identifier, a tender selection and an amount. A transaction processing module is operatively coupled with the server module and is configured to process the transaction data to identify a currency amount and at least one of a redemption amount as a function of the customer identifier and a reward amount as a function of the tender selection. A financial account access module is configured to access a financial account associated with the customer identifier and debit the currency amount from the financial account.

Abstract: A secure receipt access to management system accepts requests for receipt information and provides authentication of presenting the information. The system can issue a one-time password to a customer when access to a receipt is requested.