Systems and methods for linking ach data with merchant loyalty data

A method for linking payment information with customer loyalty data, the method comprising:

• identifying, based on a received customer loyalty identifier, financial account information of a customer stored in a database of a point of sale (POS) system, the financial account information providing a payment vehicle associated with the customer;
• determining whether the payment vehicle reduces one or more fees to a merchant in exchange for completing a purchase transaction;
• upon determining that the payment vehicle reduces one or more fees to the merchant, determining whether the stored financial account information of the customer is enabled for the customer to apply to the purchase transaction;
• sending, based upon determining that a payment feature of the stored financial account information is not enabled for the customer loyalty identifier, first display instructions to the POS system for prompting the customer to enable the payment feature of the stored financial account information using the payment vehicle and to complete the purchase transaction using the payment vehicle;
• and
• applying the stored financial account information to the purchase transaction.

A computer system for linking payment information with customer loyalty data, the system comprising:

• a memory having processor-readable instructions stored therein;
• and
• a processor configured to access the memory and execute the processor-readable instructions, which when executed by the processor configures the processor to perform a plurality of functions, including functions to:
• identify, based on a received customer loyalty identifier, financial account information of a customer stored in a database of a point of sale (POS) system, the financial account information providing a payment vehicle associated with the customer;
• determine whether the payment vehicle reduces one or more fees to a merchant in exchange for completing a purchase transaction;
• upon determining that the payment vehicle reduces one or more fees to the merchant, determining whether the stored financial account information of the customer is enabled for the customer to apply to the purchase transaction;
• send, based upon determining that a payment feature of the stored financial account information is not enabled for the customer loyalty identifier, first display instructions to the POS system for prompting the customer to enable the payment feature of the stored financial account information using the payment vehicle and to complete the purchase transaction using the payment vehicle;
• and
• apply the stored financial account information to the purchase transaction.

A non-transitory computer readable medium storing a program causing a computer to execute a method of linking payment information with customer loyalty data, the method comprising:

• identifying, based on a received customer loyalty identifier, financial account information of a customer stored in a database of a point of sale (POS) system;
• determining whether the financial account information of the customer reduces one or more fees to a merchant in exchange for completing a purchase transaction;
• upon determining that the financial account information of the customer reduces one or more fees to a merchant, determining whether the stored financial account information of the customer is enabled for the customer to apply to the purchase transaction;
• sending, based upon determining that a payment feature of the stored financial account information is not enabled for the customer loyalty identifier, first display instructions to the POS system for prompting the customer to enable the payment feature of the stored financial account information and to complete the purchase transaction using the stored financial account information;
• and
• applying the stored financial account information to the purchase transaction.