The loyalty program instrument may be a substrate including at least one of a 1 D bar code printed on the substrate, {HEAD ~ a 2 D bar code} printed on the substrate, {TAIL ~ a symbol} printed on the substrate, alpha numeric character printed on the substrate, a RFID tag embedded in the substrate, a RFID tag printed on the substrate and combinations thereof 
The loyalty program instrument may be a substrate including at least one of a 1 D bar code printed on the substrate , { HEAD ~ a 2 D bar code } printed on the substrate , { TAIL ~ a symbol } printed on the substrate , alpha numeric character printed on the substrate , a RFID tag embedded in the substrate , a RFID tag printed on the substrate and combinations thereof
OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH HEAD HEAD HEAD HEAD HEAD HEAD HEAD HEAD HEAD OTH OTH OTH OTH OTH TAIL TAIL TAIL TAIL TAIL TAIL OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH