Abstract: A system and method for operating a computer based targeted payment system discount program. Consumer information from consumer payment system institutions is used to match qualified consumers to targeted merchant discount offers. Offers are automatically prioritized based on their expected value to consumers and consumers receive the highest priority offers for which they qualify. The default prioritization can be altered or overridden by the consumer's payment systems institution. Discounts are automatically applied during the processing of the qualifying purchase without the need for coupons or additional actions by either the merchant or consumer.

Abstract: An authorization matching system for a credit card transaction system assigns the same identification code to authorization and transaction records associated with a particular transaction. The records may be matched by matching the identification number in the records, even if other data in the records does not match.