Abstract: A network communications system is provided for operating a loyalty points or pre-paid value program. The system may include, but is not limited to, a retail device that provides machine-readable encoded information representing a uniform resource identifier and transaction information, and that receives redemption information from a customer device. The system may also include a remote server, that supports the loyalty points/pre-paid value program for many retailers. The server may be associated with the uniform resource identifier, and be configured to receive the transaction information from the customer device, and to transmit the redemption information to the customer device. The customer does not need to download any specific customer application to participate in the program.