Abstract: Described herein are service provider terminals and methods of operating service provider terminals. The service provider terminals include a member ID input module for receiving data indicative of a user member ID associated with a loyalty program, wherein the user accumulates a plurality of member points through performing one or more point earning activities offered by the loyalty program. The service provider terminals further include a service provider input module for receiving data indicative of a user service provider ID associated with a service account. Furthermore, the service provider terminals include a computation module for reducing the member points by a predetermined number of points.