Abstract: A secure fob that enables a user to pay for an item or items without needing to present a mobile device. A secure fob may include a proximity capability to ensure that a mobile device is within a particular range, thereby eliminating the risk of fraudulent charges on a stolen fob. In such an embodiment, a fob may be disabled if the fob is not paired with the mobile device by virtue of being disconnected and/or physically separated from the mobile device. The secure fob also may include enhanced features to authorize transactions and locate the mobile device and/or the secure fob.

Abstract: Systems and methods are provided for enrolling a customer into a rewards program and allowing the customer to conveniently redeem reward benefits. Consistent with certain embodiments, computer-implemented systems and methods are provided for enrolling a customer into a rewards program. Enrolling the customer may include verifying the customer's credentials and allowing the customer to select categories of transactions and/or specific merchants for redeeming the reward benefits. Additionally, systems and methods are provided for redeeming the reward benefits. Consistent with certain embodiments, computer-implemented systems and methods are provided for determining the number of reward points or miles corresponding to cost of the transaction. Additionally, systems and methods are provided for crediting the account with the cost of the transaction.