Abstract: A method for determining the validity of an offer redemption includes: storing, in an algorithm database, at least one scoring algorithm, each algorithm associated with an offer identification; storing, in a consumer database, consumer profiles, each profile including a consumer identification and evaluation data; receiving transaction information for a financial transaction, the transaction including a consumer identifier, an offer identifier, and a redeemed offer; identifying a specific profile, wherein the consumer identification corresponds to the consumer identifier; identifying a specific algorithm, wherein the offer identification corresponds to the offer identifier; identifying a redemption validity score based on the redeemed offer and an application of the specific algorithm to the evaluation data of the specific profile; and transmitting the identified redemption validity score to an entity associated with the offer identifier.

Abstract: A method for distributing an offer to a consumer based on redemption history includes: storing consumer profiles, each including a consumer identifier and offer redemption data; receiving redeemed offers associated with a consumer identification, the offers associated with offer categories; identifying a specific profile, wherein the consumer identifier of the profile corresponds to the consumer identification; storing, in the offer redemption data of the specific profile, the redeemed offers; generating a behavioral profile for the specific profile based on the corresponding offer redemption data, wherein the behavioral profile includes a propensity to redeem an offer for each offer category; and transmitting an offer to a consumer associated with the specific profile, based on an offer category associated with the offer and the propensity to redeem an offer for that offer category associated with the consumer.

Abstract: A method for processing a real-time discount at a point of sale includes: storing, in a database, a plurality of deals, each deal including a consumer identification and a transaction modifier; receiving an authorization request for a financial transaction, the authorization request including a consumer identifier and a transaction amount; verifying enrollment in a discount service of a consumer associated with the consumer identifier; identifying, in the database, at least one deal of the plurality of deals where the included consumer identification corresponds to the consumer identifier; calculating a new transaction amount based on the transaction amount and the transaction modifier included in the at least one deal; and transmitting, by a transmitting device, an authorization response for the financial transaction, wherein the authorization response is for the new transaction amount and is indicated as being a final authorization rather than a partial authorization.