Abstract: A system may include a point-of-sale (POS) terminal, and a server configured to obtain, from the POS terminal, a purchase transaction identifier and a purchase amount associated with a purchase transaction of a given user. The server may also be configured to obtain, from a payment card processing server, a payment card transaction token associated with the purchase transaction, and match the payment card transaction token to the purchase transaction identifier, and based thereon, generate a loyalty account associated with the given user based upon the payment card transaction token. The server may also be configured to credit the loyalty account associated with the given user based upon the purchase amount, and generate and communicate a notification to the given user of the loyalty account and the associated credit.

Abstract: A shopper valuation system may include a user device associated with a given shopper, and a shopper valuation server. The server may obtain historical purchase data associated with shoppers at a given retailer, apply a machine learning algorithm to determine a corresponding shopper value for each of the shoppers, and obtain historical purchase data associated with the given shopper at the given retailer. The server may apply the algorithm to determine a shopper value for the given shopper based upon the historical purchase data for the shoppers and, the corresponding shopper values for the shoppers, and update the machine learning algorithm based upon the shopper value for the given shopper. The server may also communicate a notification to the user device soliciting the given shopper to enroll in a retailer loyalty program for payment to the given shopper of the shopper value for the given shopper.