Abstract: Embodiments provide a method of integrating a loyalty program with a payment card of a customer. In some implementations, the method includes sending, by a merchant terminal, a payment transaction request to a server system associated with a payment network. The payment transaction request includes a payment transaction amount to be paid to a merchant account from an issuer account of the customer and a consumer identifier linked to the loyalty program associated with the merchant loyalty card. The method includes receiving a notification comprising a payment transaction approval message and a machine-readable script through the payment network. The machine-readable script comprises the consumer identifier and is executable by the merchant terminal.

Abstract: Embodiments provide methods and systems of enabling an electronic payment from a merchant device using customer credential when a customer does not have mobile device or card with him. The customer enters customer credential, associated with a customer wallet, on a merchant wallet application accessible in the merchant device. The customer credential and merchant credential are transmitted to a server system associated with a payment network. The server system validates the customer credential, generates and transmits a pull payment request to a customer wallet server for approval of the payment request for transferring funds from customer wallet to the merchant wallet. After the approval, the server system transmits the successful payment response to the merchant device.

Abstract: The present disclosure generally relates to offline payment transfer. A first electronic device monitors its connectivity to a wide area network and determines it is in the offline mode if it is disconnected from the wide area network. The first electronic device then activates a first offline wallet stored on the first electronic device. The first electronic device establishes a local area network connection with a second electronic device also in the offline mode, the second electronic device having a second offline wallet stored thereon. Payment data is communicated between the first and second electronic devices via the local area network connection. The payment data comprises a payment amount for transfer between the first and second offline wallets. The first and second electronic devices update the first and second offline wallets in response to said transfer of the payment amount.

Abstract: Embodiments provide a method of integrating a loyalty program with a payment card of a customer. In some implementations, the method includes sending, by a merchant terminal, a payment transaction request to a server system associated with a payment network. The payment transaction request includes a payment transaction amount to be paid to a merchant account from an issuer account of the customer and a consumer identifier linked to the loyalty program associated with the merchant loyalty card. The method includes receiving a notification comprising a payment transaction approval message and a machine-readable script through the payment network. The machine-readable script comprises the consumer identifier and is executable by the merchant terminal.