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