The present disclosure involves systems, software, and computer implemented methods for performing loyalty analyses and offers at point-of-sales (POSs). One example POS terminal includes a communications module, an interface, a display, and memory storing instructions and a plurality of preloaded bank identification numbers (BINs). The instructions instruct the terminal to receive credentials associated with a single instrument associated with a particular customer and used in a current data exchange. A BIN associated with the single instrument is identified and a determination is made as to whether it is included in the plurality of BINs. If included, an analysis is initiated comprising transmitting customer identification information and a set of current data exchange information to the institution associated with the particular BIN, the information used to identify an offer associated with the current data exchange. An offer is received from the institution, and can be presented to the display.