Abstract: In accordance with embodiments of the present disclosure, a process to sign-up a consumer with a loyalty program is provided. The process may include generating, by a first mobile device, a secured consumer ID for identifying the consumer; and receiving, by the first mobile device, a program ID associated with the loyalty program. The process may include transmitting, by the first mobile device, a request with the secured consumer ID and the program ID to a loyalty management system for signing up to the loyalty program, wherein the loyalty management system retrieves credential information associated with the consumer based on the secured consumer ID, and uses the credential information to automatically sign-up the consumer to the loyalty program identified by the program ID. The process may further include, upon successful signing-up to a membership of the loyalty program, receiving, by the first mobile device from the loyalty management system, a first merchant service provided by the loyalty program.