Systems and methods of providing an incentive credit via a plurality of point of sale (pos) devices having intermittent or unreliable network communications with a central network

A method of providing an incentive credit via a customer relationship management (CRM) system operating on a plurality of point of sale (POS) devices having intermittent or unreliable network communications with a central network, comprising:

• (i) providing a payment vehicle configured as an RFID band or as an NFC wireless communication object;
• (ii) providing a first POS device of a plurality of POS devices, the first POS device configured to process a commercial transaction through a node-to-node network;
• (iii) capturing transaction data associated with the payment vehicle, at the first POS device, for processing the commercial transaction;
• (iv) providing a second POS device of the plurality of POS devices, the second POS device in communication with at least one access point to a central network;
• (v) establishing, with the plurality of POS devices, the node-to-node network for processing the commercial transaction, the node-to-node network configured to enable communications between the plurality of POS devices and the central network, and configured to obtain customer token ID information from a credit vault intermediary institution and to associate the customer token ID information with the payment vehicle;
• and
• (vi) invoking, at the first POS device, an incentive credit based on the customer token ID information.

A plurality of point of sale (POS) devices having intermittent or unreliable network communications, for providing an incentive credit, comprising:

• (i) a payment vehicle configured as an RFID band or as an NFC wireless communication object;
• (ii) a plurality of POS devices establishing a network, for processing a commercial transaction, and configured to enable communications between the plurality of POS devices and a central network, and configured to obtain customer token ID information from a credit vault intermediary institution and to associate the customer token ID information with the payment vehicle;
• and
• (iii) a first POS device of the plurality of POS devices, the first POS device configured to process the commercial transaction through direct network communications with an access point to a central network, and, when experiencing network communication issues with the access point, further configured to process the commercial transaction through the network, the first POS device further configured to capture transaction data associated with the payment vehicle and further configured to transmit the transaction data, through the network, and the first POS device further configured to invoke an incentive credit based on the customer token ID information.