| CPC G06Q 20/18 (2013.01) [G06Q 20/3278 (2013.01); H04L 67/303 (2013.01); H04L 67/306 (2013.01); H04W 4/80 (2018.02); H04W 12/06 (2013.01); H04L 63/0853 (2013.01); H04L 63/0861 (2013.01); H04L 63/0876 (2013.01); H04W 12/63 (2021.01); H04W 12/71 (2021.01); H04W 88/02 (2013.01)] | 10 Claims |

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1. A method comprising:
receiving, by a processor of a mobile device, a source radio signal from a terminal including a terminal-type identifier encoded therein for a terminal-type of the terminal; and
when the terminal-type is determined to be of interest based on the terminal-type identifier, replying, by the processor of the mobile device, to the source radio signal with a reply radio signal including an account identifier encoded therein that identifies and is associated with account data for a loyalty account with which a user will interact on the terminal;
wherein the account identifier comprises a unique identifier associated with an application (app) installed on the mobile device, the user, a media access control (MAC) address of a radio device, or a globally unique identifier (GUID) of the mobile device;
wherein replying to the source radio signal comprises:
transmitting the reply radio signal via a different radio transceiver device than an original radio transceiver device that received the source radio signal;
transmitting the reply radio signal only when a signal strength of the source radio signal meets a threshold signal strength; and
providing a password or biometric input on the mobile device prior to replying to the source radio signal.
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