Transactional loyalty program for multiple independent businesses. We propose to solve two problems. First, for independent retailers there is a lack of a loyalty program for that is truly effective but easy to manage and second, there is a lack of aggregation of independent retailers to make schemes viable or to produce understanding and benefit for place (e.g. town) levels. This proposal solves both of these and provides synergies across both issues – the more independents signed up the better the scheme for them and the better the understanding of place based spend and the better the potential reward for consumers to use a place/town. We will solve these problems by using transactional data extracted from multiple independent retailers different Point Of Sale (POS) systems. The program will encourage shoppers to use the High Street by allowing businesses to reward them for their spend. The program will create new data allowing more sophisticated analysis of town centre usage by Town Centre Managers and other interested parties. The program will be delivered by combining miconex’s multi-channel communications platform and Sparkle cs’s “App Store for POS”™ technology, which can enable real time “interaction” within a POS transaction using either traditional paper, card or new digital (e.g mobile) without any changes to the POS software. Thus closing the loop for any type of offer variant. This means that together miconex and Sparkle can offer a low cost, easily deployed loyalty programme driven by real time transactional data across multiple and/or single retail locations