Multi-purpose device having multiple certificates including member certificate

A terminal comprising:

• a processor;
• and
• a non-transitory computer-readable storage medium, comprising code executable by the processor for implementing a method comprising:
• electronically receiving, from a multi-purpose device of a member, a signed member certificate comprising member attributes indicating member benefit information for adjusting a transaction associated with the member, wherein the signed member certificate is signed using a membership provider private key corresponding to a membership provider certificate public key of a signed membership provider certificate associated with a membership provider certificate authority;
• electronically receiving, from the same multi-purpose device, a payment certificate comprising payment attributes for processing the transaction, the payment certificate being different from the signed member certificate;
• digitally verifying the member attributes of the signed member certificate using the membership provider certificate public key of the membership provider certificate that is associated with the membership provider certificate authority;
• digitally verifying the signed membership provider certificate associated with the membership provider certificate authority using a root certificate public key associated with a root certificate authority;
• determining, the member benefit information for the member in response to the digital verification of the member attributes and the digital verification of the signed membership provider certificate, the determining of the member benefit information based on the member attributes of the signed member certificate;
• determining a payment balance for a transaction associated with the member in response to determining the member benefit information, the determining of the payment balance based on a transaction amount for the transaction and the member benefit information, the payment balance including an adjustment to the transaction amount based on the member benefit information;
• and
• processing the payment balance based on the payment attributes of the payment certificate received from the multi-purpose device.