How a customer earns and spends IGL Stars at the forecourt
Three journeys cover almost every customer who drives into an IGL outlet — the prepaid Smart Card holder, the anonymous card or UPI payer, and the member who wants to pay with the points he has collected. Each one is described below in plain language, step by step, with the business value unlocked at every moment. The live device simulator demonstrates exactly these same three journeys on a real POS terminal and phone.
Existing wallet customer earns as he fuels
An unknown card / UPI customer becomes a member
A member pays for fuel with his points
Smart Card loyalty earning
Existing wallet customer earns as he fuels
Loyal prepaid customers keep fuelling with IGL but feel nothing extra for it — the relationship stays purely transactional.
Every fill silently earns Stars, printed on the slip and visible in the app before the customer drives away.
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He fuels up — the amount arrives on its own
Forecourt· Pump & terminalArjun fills 40 litres of diesel. The pump sends ₹2,480 straight to the terminal, so the attendant never types a rupee figure.
No keying errors, faster queue at the bayBill₹2,480
IGL POSHe fuels up — the amount arrives on its ownBill₹2,480POS terminal - 2
One tap of his IGL Smart Card pays
Payment· CustomerHe taps the prepaid card he already funded and confirms with his PIN on a secure keypad. No cash, no change, no bank decline.
Money already with IGL, near-100% approvalIGL POSOne tap of his IGL Smart Card paysPOS terminal - 3
IGL decides the reward, live
Loyalty brain· Loyalty engineIn the same instant the loyalty engine asks: who is he, which tier, which fuel, which outlet, any campaign today? Arjun is Gold and spent over ₹2,000 — so 2× applies.
Marketing changes reward rules in minutes, not releasesStars awarded248Loyalty engineIdentify customerApply tier & rulesPost to ledgerStars awarded248Loyalty brain - 4
The reward is printed on his slip
Customer· Terminal & SMSThe charge slip shows both the payment and the Stars earned, and an SMS lands on his phone at the same moment.
Reward is felt at the moment of purchaseIGL Smart CardThe reward is printed on his slipCustomer app - 5
His balance grows before he starts the engine
Customer· IGL Smart Card appThe app already shows 15,068 Stars and how close he is to the next tier — the reason he picks an IGL pump over the one across the road.
Higher visit frequency and share of walletNew balance15,068 StarsIGL Smart CardHis balance grows before he starts the engineNew balance15,068 StarsCustomer app
General payment loyalty earning
An unknown card / UPI customer becomes a member
The majority of forecourt customers pay by card or UPI and leave completely unknown — IGL cannot thank them, reach them or bring them back.
A mobile number captured at the pump turns an anonymous sale into a named, rewarded, contactable member in under a minute.
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She pays the normal way
Forecourt· Customer₹1,860 of petrol, paid with her own bank card and PIN. IGL never forces anyone to sign up before they can buy fuel.
Zero friction, no slowdown for non-membersBill₹1,860IGL POSShe pays the normal wayBill₹1,860POS terminal - 2
The sale clears — and normally the story ends here
Payment· Bank railsThe bank approves the sale on standard card rails. In the old world the customer now walks away unknown and unreachable.
This is exactly the leak IGL is pluggingIGL POSThe sale clears — and normally the story ends herePOS terminal - 3
The attendant asks for a mobile number
Loyalty brain· TerminalOne field is enough. IGL creates a loyalty identity on the spot and holds the 93 Stars for this exact bill against her number — even though she has no app yet.
Identity captured at the pump, points tied to a real personStars reserved93IGL POSThe attendant asks for a mobile numberStars reserved93POS terminal - 4
Her receipt becomes the invitation
Customer· Printed slipThe slip prints a QR stamped with her number and this transaction: '93 Stars are waiting — scan to claim.' Every fuelling bay becomes an acquisition channel.
Marketing reach for the price of a receiptIGL POSHer receipt becomes the invitationPOS terminal - 5
Twenty seconds to become a member
Customer· IGL Smart Card appThe app opens already knowing who she is. Her number is pre-filled — she only confirms the OTP. No forms, no KYC wall, no plastic card in the post.
Drop-off collapses, enrolment conversion multipliesIGL Smart CardTwenty seconds to become a memberCustomer app - 6
She opens a wallet that isn't empty
Customer· Loyalty engineIGL rewards the purchase she already made: 93 Stars credited and Silver tier unlocked with 1.5× on her next three fills.
Second-visit intent created at first contactOpening balance93 StarsIGL POSShe opens a wallet that isn't emptyOpening balance93 StarsPOS terminal
Loyalty redemption
A member pays for fuel with his points
Points that cannot be spent easily become a dead liability on the books and a broken promise to the customer.
Points buy fuel at the pump in seconds, approved by the customer on his own phone, with a clean audit trail for finance.
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Redeem sits right on the terminal menu
Forecourt· AttendantPoints only feel real when they can be spent. 'Loyalty Redeem' is one tile next to Sale — no supervisor, no helpdesk call.
Redemption made effortless = loyalty that feels realIGL POSRedeem sits right on the terminal menuPOS terminal - 2
Points become rupees in front of him
Payment· Terminal4,800 Stars convert to ₹1,200 of fuel at a clearly published rate, shown before he commits. No hidden maths.
Trusted, transparent value per pointFuel value₹1,200IGL POSPoints become rupees in front of himFuel value₹1,200POS terminal - 3
He approves it on his own phone
Customer· IGL Smart Card appHe scans a single-use QR locked to this pump, this amount and the next 90 seconds, sees exactly what will be burned, and confirms with his app PIN. The attendant never touches his phone.
Removes the biggest source of loyalty leakage at forecourtsIGL Smart CardHe approves it on his own phoneCustomer app - 4
The liability is burned and accounted for
Loyalty brain· Loyalty engineThe points are burned atomically with a voucher reference finance can reconcile. If the fuelling fails, the burn reverses automatically.
Clean liability accounting and daily settlementStars burned4,800Loyalty engineIdentify customerApply tier & rulesPost to ledgerStars burned4,800Loyalty brain - 5
Slip and app agree, to the point
Customer· Terminal & app₹1,200 of fuel paid entirely with points he earned at IGL — printed slip and app balance matching in real time.
One version of the truth, audit-ready across channelsBalance left10,268 StarsIGL Smart CardSlip and app agree, to the pointBalance left10,268 StarsCustomer app
What holds all three journeys together
The same loyalty engine sits behind every journey. Nothing changes on the payment rails and nothing new is asked of forecourt staff.
Tier, product, outlet and campaign rules are evaluated in the same instant the payment clears — and changed by marketing without a software release.
Points earned or burned are printed on the charge slip, sent by SMS and reflected in the app, all matching to the point.
A QR bound to the mobile number and the exact bill turns anonymous card and UPI sales into identified members.
Single-use QR, customer-approved on his own phone, atomic burn with reversal — liability that finance can reconcile daily.
Now see it running
The live simulator plays these same three journeys screen by screen on an Android POS terminal and the IGL Smart Card app — with narration, printed slips and real-time balances.