A method comprising, in combination: receiving a unique identifier from a consumer; receiving a list of at least one item to be purchased corresponding to a pending transaction; identifying a consumer account associated with the unique identifier; applying at least one accrued point of the consumer account to determine a redemption possibility; and providing a redemption possibility to the consumer. A system comprising, in combination: a point-of-sale (POS) device, further comprising a reader configured to receive a unique identifier and a display configured for providing information to at least one of a merchant and a consumer; an account management system, further comprising an account database containing information regarding at least one consumer account; wherein the POS device and the account management system are communicatively connected to transmit at least one of a unique identifier and a redemption possibility.