Abstract: An online coupon source can create mappings between UPCs and consumers. The mapped UPCs can then be provided to the consumers' mobile devices for display during checkout. After a retailer system scans a mapped UPC during checkout, it sends the mapped UPC to the online coupon source. The online coupon source uses the mapped UPC to identify the consumer and to retrieve the consumer's applicable coupons for use during checkout. Once a mapped UPC has been used to retrieve coupons, the mapped UPC can be unmapped to allow the UPC to be mapped to another consumer. A retailer system can send a mapped UPC in response to a tender type being selected during checkout.

Abstract: This invention relates generally to electronic commerce (e-commerce) systems and media platforms, for use with both mobile and non-mobile systems, to deploy virtual advertising and promotion via the use of electronic coupons, and more particularly a method and system for aggregating and distributing carbon reduction credits in connection with the creation and/or use of electronic coupons or virtual electronic rebates (VeeBates) and permitting individuals and groups within one or more social communications networks to participate in and transmit information to others about their activities related to the virtual advertising, incentives, redemption and promotion and aggregate carbon credits in connection therewith, either as part of the incentive or aggregation by the incentive promoter as part of its activities in reducing its carbon footprint.

Abstract: Provided is an electronic coupon system capable of saving, in a mobile information terminal, electronic coupons having high likelihood of being used by a user, from among electronic coupons delivered by digital broadcast radio waves, whereby the user can use the electronic coupons without forgetting. The electronic coupon system (10): automatically obtains filter information from operation information, etc., for a broadcast reception terminal (100) or a mobile information terminal (200); extracts, from a lot of electronic coupons, only electronic coupons that have high likelihood of being used by the user; and saves them in the mobile information terminal (200) of the user. If the user approaches a store (14) where an electronic coupon can be used, an electronic coupon available at the store (14) is transmitted from a store coupon information processing terminal (300) to the mobile information terminal (200), and the user can use the electronic coupon without forgetting.

Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.

Abstract: Methods, devices, and systems are described for bumping a mobile device, such as a smart phone, against a fixed poster board display at a store to initiate a download of coupons, advertisements, or other benefits to the mobile device. Products can be rated by a user's up/down bump or other bump patterns. Using accelerometer-based inertial measurements, multiple users can control multiple mouse cursors on a large display with their mobile devices in order to select information to be downloaded to their mobile devices. The multiple users can bump the display in order to select their items simultaneously.

Abstract: Systems and methods for managing purchase transactions associated with a discount document having an unrecognized identifier are disclosed. According to an aspect, a method includes receiving an identifier of a document associated with a discount. The method also includes receiving user input that associates the identifier with a purchase transaction. Further, the method includes applying the discount to the purchase transaction. The method also includes processing an audit of the purchase transaction based on the document.

Abstract: Disclosed are systems and methods that time correlate input at a point of entry of consumer data of least two identifications for products, prescriptions, vouchers, or codes, uses positive correlation determinations for triggering output of predetermined information. The time correlation of identifications may be used to build a time correlation database, and thereafter use that database for targeted communications. Related inventions include an intelligent Y cable or the like to filter data transmitted from a scanner at a point of entry of consumer data, and a novel POS CS configured to receive bar codes that would otherwise cause the POS CS to enter an error condition.

Abstract: Disclosed herein is a method for performing an integrated payment using Near Field Communication (NFC). The method is performed using a mobile terminal. The mobile terminal receives Radio Frequency Identification (RFID) tag information from a payment system in an NFC scheme. The mobile terminal analyzes the received RFID tag information, and then extracts an integrated payment application which corresponds to the RFID tag information. The mobile terminal drives the integrated payment application and transmits discount benefit information to the payment system.

Abstract: Various kinds of value can be easily added to print data output from an existing application without modifying the existing application program. A value-adding method executes a process of adding value to print data output from an application on a computer that has one or more communication ports and executes a specific process by means of an application, and includes a data acquisition step of acquiring the print data at the operating system kernel layer before the print data is received at the communication port, and a data processing step that applies at the application layer a process of adding and/or deleting print content in the print data based on previously registered information, and outputs the data after processing to the specified communication port.

Abstract: The present disclosure generally relates to the administration of rebates in different geographic locations and optimization of rebate processing. In an embodiment, a rebate processing device can detect a location of a consumer, and based on the location generate a rebate form in a language which corresponds to the location or preference of the consumer. The generated rebate form can include a mailing address to mail the form for processing, which may based on the location of the consumer and a rebate identifier to identify the rebate to transact. A rebate center device can receive completed rebate forms, extract rebate identifiers from the completed rebate forms, and send the extracted rebate identifiers to the rebate processing device to expedite processing. Rebate processing device can verify the rebate identifiers are not fraudulent and generate a payment for the validated rebate identifiers based on the location of the consumer.

Abstract: A purchaser user enrolled with a service provider for promotional sales is provided with a smart cell phone and possibly a bank card issued by a banking partner of the service provider, said bank card being associated with a debit/credit account for a means of payment for promotional sales of the service provider. After having been grouped together the purchasers make their purchases within the framework of a grouped promotional sale using purchase coupons issued by the service provider to the cell phone of each purchaser user. Said user pays for his or her purchase while benefiting from a first discount. The service provider reconciles the cash register receipts and the purchase coupons, calculates a second reduction as a function of the validated purchases of the members of each purchase group and credits, if appropriate, the members of each group with said second reduction.

Abstract: A system includes a processor that generates a coupon savings account for a consumer. The coupon savings account includes coupon preference data received from a consumer device of the consumer The processor associates a consumer identifier with the coupon savings account. The processor receives digital coupon data from an issuer-device. The digital coupon data includes a discount for the product or service. The processor associates the digital coupon data with the coupon savings account based at least in part on the coupon preference data The processor receives purchase data from a retailer device. The purchase data includes the consumer identifier and an indication that the consumer is purchasing the product or service The processor causes the digital coupon data to be sent to the retailer device. The processor generates an invoice. The invoice indicates an amount of funds to be transferred from an issuer financial account.

Abstract: Disclosed are systems and methods for managing transactions in which an order is specified online and payment is received at a point of sale (POS). Methods are disclosed for managing payment for such transactions at a POS, including transactions involving payment for both in-store purchases and online orders. Methods are also disclosed for managing inventory and price changes for such transactions where payment can occur at any time in a pay period following order creation. Also disclosed are methods for processing refunds for online orders for which payment was made at a POS. Finally, methods for preventing fraud and abuse as well as restricting the availability of this payment method for certain items are disclosed.

Abstract: The present invention relates to an identification code processing system, an identification code processing method thereof, and an apparatus for supporting the same. The present invention supports various multi-codes for a specified object to be generated using a terminal and additional information of the object to be collected, integrated, and shared by applying the generated multi-codes online and offline. A terminal recognizes a base identification code of an object, and generates and stores or transmits multi-codes on the basis of base identification information included in the base identification code. In addition, a service apparatus classifies and stores the multi-codes transmitted by the terminal, and supports the multi-codes to be circulated in at least one network device and to be regenerated as multi-codes including various additional information.

Abstract: Transaction management includes receiving a customer identifier and information for a purchase transaction via a network that interfaces with a point of purchase. The customer identifier is associated with identification information for financial accounts and offers. The transaction management also includes accessing a customer account via the customer identifier, retrieving vendor access information, and accessing customer information from a data source of a vendor. The customer information includes at least two of: an accrued rewards benefit, gift card balance, currently offered discount and rebate for a good or service, currently offered discount and rebate for the vendor, interest rate on a lender-issued account, and balance on a payment card account. The transaction management further includes applying rules to the information for the purchase transaction and the financial accounts and offers.

Abstract: A method is provided for offering and distributing digital coupons from promoters to users via a network. The method includes the steps of receiving the digital coupons, storing them on a central computer, and associating them with a product identifier. The user selects a selected product identifier, and the digital coupons associated with the selected product identifier are then transmitted to the user, who can then select a selected digital coupon, for use. The promoter pays a fee for the placement of and/or use of each of the digital coupons.

Abstract: An electronic offer management system and method thereof is disclosed. In particular, the system comprises means for receiving information related to a plurality of offers distributed by a plurality of different offer distributors to customer for redemption at plurality of stores, means for automatically routing the information related to an offer to a point-of-sale system of each store in which the offer can be redeemed, and means for automatically clearing the offers redeemed by the customer at the stores. The system further comprises means for automatically reconciling financial obligations associated with each cleared offer, as well means for dynamically profiling customers so that improved offer targeting can be achieved.

Abstract: A coupon system has a central computer, an ad placement program operably installed on the central computer, and a master coupon program operably installed on the central computer. The ad placement program receives the coupons from the promoters via the network, associates each of the coupons with at least one UPC identifying the product(s), and determines a price for placement of and/or use of each of the coupons in association with the at least one UPC. The master coupon program transmits the coupons to the users with reference to a selected UPC received from a user.

Abstract: A system, method and computer program product for processing promotions, including a universal product code (UPC) injection sub-system coupled between a UPC reader device and a point-of-sale (POS) device. The universal product code (UPC) injection sub-system including an interface device coupled between the UPC reader device and the POS device and incorporating an OR function to prevent disruption of an existing data stream between the POS device and the UPC reader device; and a controller device coupled to the interface device. The controller device via the interface device is configured to detect a UPC transmitted between the UPC reader and the POS device, block a UPC transmitted between the UPC reader and the POS device, and inject a UPC into the POS device. The POS device performs a POS function based on a received UPC from the controller device.

Abstract: This invention relates generally to electronic commerce (e-commerce) systems and media platforms, for use with both mobile and non-mobile systems, to deploy virtual advertising and promotion via the use of electronic coupons, and more particularly a method and system for creating, deploying, transferring, clearing, managing, redeeming and reporting on the use of electronic coupons or virtual electronic rebates (VeeBates) and permitting individuals and groups within one or more social communications networks to participate in and transmit information to others about their activities related to the virtual advertising, incentives, redemption and promotion.

Abstract: Disclosed herein are systems and methods for electronic gifting. In an exemplary gift purchasing method, a control system receives from a purchasing system a gift purchase request that includes a mobile telephone number (or other unique telephonic identifier) associated with a wireless gift recipient system, sends to a payment authorization system a payment authorization request, receives a payment authorization, and notifies the wireless gift recipient system of an electronic gift certificate. In an exemplary gift redemption method, the control system receives a gift redemption request for goods/services from a point-of-sale (POS) system, sends an authentication request addressed to the wireless gift recipient system by way of text message or other format, receives an authentication confirmation originating from the wireless gift recipient, and sends a redemption authorization to the vendor POS system.

Abstract: A loyalty reward point system that utilizes the pre-existing infrastructure of a network such as a credit card network. A user makes a purchase at a merchant using a token such as a credit card. The user is awarded loyalty points from the merchant based on the amount of the purchase. The reward points, which are specific to the merchant and the user, are stored in a database at the issuing bank, the acquiring bank, or a central reward server. The user may redeem the reward points earned from the transaction with the merchant at a later time, or may redeem the points with another merchant in the same marketing cluster, or may aggregate those reward points with those of other merchants into a reward point exchange account, and then redeem the aggregated reward points for goods or services from any approved merchant on the network.

Abstract: Disclosed herein is a method for performing an integrated payment using Near Field Communication (NFC). The method is performed using a mobile terminal. The mobile terminal receives Radio Frequency Identification (RFID) tag information from a payment system in an NFC scheme. The mobile terminal analyzes the received RFID tag information, and then extracts an integrated payment application which corresponds to the RFID tag information. The mobile terminal drives the integrated payment application and transmits discount benefit information to the payment system.

Abstract: Systems and methods are described for collecting data at a merchant's point of return for use in processing a merchandise return transaction that is being requested by a customer. In various embodiments, the data may be collected using a wide variety of data collection technologies and may be used in conjunction with stored data, including data collected from other merchants, by a return authorization system to make a determination whether to accept or deny the requested merchandise return and whether to provide a coupon to the customer. The data may additionally or alternatively be used to determine whether to issue a warning to the customer about limitations on future return transactions presented by the customer. Examples of data categories that may be collected include, but are not limited to, information about: the merchant, the customer, the requested transaction, the merchandise being returned, one or more receipts, a clerk processing the transaction, and other general applicable information.

Abstract: A system and method is presented for product substantiation and promotion redemption. A purchased product list is transmitted from a retail store system to a promotion analysis server along with a user identifier. The promotion analysis server identifies promotions available to the user, and then considers whether the benefits under the promotions are still available to the user. Discounts for available promotions related to the purchased product list are calculated and transmitted to the retail store system for deduction from the transactions. A promotion product filter can be provided that filters the purchased product list before transmittal. The promotion product filter can include promotions from a plurality of programs.

Abstract: Virtual mobile rewards, gift cards, and/or physical world retailers' loyalty and reward programs are aggregated into a common account accessible and transactional from an Internet capable mobile radio device. Subscribers gain access to discounted codes, coupons, rebates, gift cards, and/or limited time offers, on their mobile device for food, travel, lifestyle, electronics, and entertainment products that fit their lifestyle spending habits, enabling users to edit participating retailers, manage separate account balances, and present preferred discounted offers at retailers and apply discount towards purchase of goods.

Abstract: A system and method is presented for product substantiation and promotion redemption. A purchased product list is transmitted from a retail store system to a promotion analysis server along with a user identifier. The promotion analysis server identifies promotions available to the user, and then considers whether the benefits under the promotions are still available to the user. Discounts for available promotions related to the purchased product list are calculated and transmitted to the retail store system for deduction from the transactions. An approved product list can be provided that filters the purchased product list before transmittal. The approved product list can include promotions from a plurality of programs.

Abstract: A method and system include verifying credentials for gaming access to a transactional controller with the portable computing device. The transactional controller may receive a merchant identifier corresponding to a merchant and then it may compare the merchant identifier against loyalty account data stored in a database. The transactional controller may also receive product scan data and compare the product scan data against one of offer data and coupon data in a database. After these comparisons, any matches of product scan data, to offer data or coupon data may be sent to the PCD and the POS controller. Similarly, any matches of the merchant identifier to loyalty account data may be transmitted to the POS controller. During or after the purchase transaction, a message may be generated by the transaction, controller which lists one or more preferred payment options that may be selected using the PCD to complete a purchase.

Abstract: A method of operating a point-of-sale (POS) system (1), the POS system comprising a POS terminal (3) having a software module (17, 21) thereon for enabling a retailer to process transactions within a transaction environment, and a peripheral device (5, 7) in communication with the POS terminal (3), the POS system (1) further comprising a driver software module (40) installed between the POS terminal (3) software module (17, 21) and the peripheral device (5, 7), the method comprising: receiving, at the driver software module (40), data sent between the software module (17, 21) and the peripheral device (5, 7) in communication with the POS terminal (3); communicating with a further device (44, 60, 64) in dependence on the data received at the driver software module (40); receiving modified data from the further device (44, 60, 64); and outputting the modified data.

Abstract: Systems and methods for providing digital incentives or financial offsets including the steps of: providing a financial platform operable on a server computer and at least one database in electronic, digital communication over a network, the financial platform operable for financial services transactions; providing a database of profile data for the at least one user; developing a digital incentive program for stimulating financial transactions by at least one user, the digital incentive program including profile factors from the profile data of the at least one user; automatically providing at least one digital incentive to corresponding of the at least one user, the at least one digital incentive available for a redemption by each of the users, wherein the digital incentive has an electronic financial transaction value available for the redemption on any electronic financial transaction media, and wherein the redemption of the electronic financial transaction value of the digital incentive does not occur at

Abstract: This invention relates generally to electronic commerce (e-commerce) methods for the use of systems and media platforms, for use with both mobile and non-mobile systems, to deploy virtual advertising and promotion via the use of electronic coupons, and more particularly a method and system for creating, deploying, transferring, clearing, managing, redeeming and reporting on the use of electronic coupons or virtual electronic rebates (VeeBates) and permitting individuals and groups within one or more social communications networks to participate in and transmit information to others about their activities related to the virtual advertising, incentives, redemption and promotion.

Abstract: The present invention utilizes an existing transaction processing and clearance system and POS equipment and implement a management module in the transaction and clearance processing system and a real-time processing module in POS equipment. As such, the present invention allows real time transmission and update of transaction information to the relevant transaction processing and clearance system so as to enhance management and clearance ability thereof. With the use and implementation of the present invention, the participating or clearance bank may effectively monitor the transaction information of the promotional events and allows electronic communication and processing of the transaction information which has not been currently available, and which brings radical changes to and enhance efficiency of current manual transaction clearance practice.

Abstract: Techniques for online price matching are provided. A consumer submits a price offer to a network-based servicer for a product or service. The price offer is directed to or resolved to a specific brick-and-mortar store. The brick-and-mortar store determines whether the price offer can be matched and when it can be matched; a coupon redeemable by the consumer at the brick-and-mortar store is communicated to the consumer. The coupon permits the consumer to acquire the product or service at the price offer provided by an online retailer to the consumer.

Abstract: Processing of point of sale (“POS”) redemptions via a “tap” of a contactless device comprises a POS data collector that facilitates a connection with a contactless device. A merchant scans items for purchase using a POS scanner, which captures product identification information. The POS scanner forwards the product identification information to a POS terminal. The POS data collector intercepts the product identification information between the POS scanner and the POS terminal. A user taps the contactless device in the POS data collector's radio frequency field, and a communication channel is established between the contactless device and the POS data collector. The POS data collector identifies the user via the contactless device and identifies coupons, merchant offers, and other value-added services to redeem with the transaction. The POS data collector forwards this information to the POS terminal, the redemptions are applied to the transaction, and the communication is terminated.

Abstract: The present invention relates to providing a system for allowing coupon-based transaction, and, more particularly, to system and method for facilitating point-of-sale transaction based on the use of coupons.

Abstract: A scanning-printing integrated apparatus is disclosed. The scanning-printing integrated apparatus comprises a first channel. The first channel comprises a scanning channel (11) which is provided with a scanning device (3) and a printing channel (12) which is provided with a first printing device (41). A paper input end of the scanning channel is communicated with a paper inlet (6) of the scanning-printing integrated apparatus, and a paper output end of the scanning channel is communicated with a paper input end of the printing channel. A paper output end of the printing channel is communicated with a first paper outlet (7) of the scanning-printing integrated apparatus. The scanning-printing integrated apparatus further comprises a paper accommodating device (5) and a second channel (21, 22) which is provided with a second printing device (4?1).

Abstract: This invention relates generally to electronic commerce (e-commerce) systems and media platforms, for use with both mobile and non-mobile systems, to deploy virtual advertising and promotion via the use of electronic coupons, and more particularly a method and system for creating, deploying, transferring, clearing, managing, redeeming and reporting on the use of electronic coupons or virtual electronic rebates (VeeBates) and permitting individuals and groups within one or more social communications networks to participate in and transmit information to others about their activities related to the virtual advertising, incentives, redemption and promotion.

Abstract: A computer-implemented method is disclosed herein. The method includes the step of receiving, at a processing device of a commerce server, one or more signals from a head mountable unit corresponding to a forward direction and a position of the head mountable unit. The method also includes the step of identifying, with the processing device, at least one product that is in the forward direction of the head mountable unit based on the signal received from the head mountable unit. The method also includes the step of obtaining, with the processing device, at least one product promotion for the at least one product. The method also includes the step of transmitting, with the processing device, the at least one product promotion to the head mountable unit.

Abstract: Systems, methods and articles for automating the process of registering a product purchased by a consumer from a merchant in a purchase transaction. Product data including product identification data is obtained from a merchant electronic point of sale system as the consumer checks out. The product data is then automatically transmitted to a product registration system, such as via a consumer's mobile communication device having a product registration app. An auto-registration database is accessed to see if auto-registration is available for the product. If auto-registration is available for the product, then a request is made to the consumer to authorize auto-registration for the product. If the consumer accepts the auto-registration, then consumer data, such as the consumer name and contact information, is sent to the product registration system. The product registration system then creates a product registration record using the product data and the consumer data.

Abstract: According to an embodiment of the invention, products and processes are disclosed for receiving, via a point-of-sale terminal that is not a vending machine, an indication of a set of products which a customer desires to purchase. At least one product is offered to the customer via the point-of-sale terminal, and an acceptance of the offer is received. Thereafter a request to receive the product is received. A unit of the product is dispensed via the vending machine.

Abstract: The invention provides a computer system and method for managing electronic transactions. A plurality of consumer and merchant accounts are stored in a data store. Each consumer account has a first consumer account identifier. Each merchant account has a merchant account identifier. A merchant offer is stored in the data store in association with the merchant account having the respective merchant account identifier. A push module associates the merchant offer with the consumer account identifier. A communication and routing module receives a charge request over the network interface device, the charge request including an amount and a second consumer account identifier and identifies a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier. A transaction processing system that processes the charge request based on an account detail of the selected consumer account.

Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Abstract: Techniques are provided for allowing a merchant to process third party closed-loop instruments (such as gift cards) as if the closed-loop instruments were open-loop instruments. A customer provides card data of a third party gift card to a merchant, e.g., online or in a merchant store, for the purchase of one or more items provided by the merchant. The merchant sends the gift card data to an intermediary that deducts at least a portion of the balance of the gift card. The intermediary sends an offer for the gift card to the customer. If the customer accepts the offer, then the merchant applies the offer towards the total purchase price of the one or more items.

Abstract: For providing procedures, a synchronize module stores a plurality of procedures in a procedure database. Each procedure is indexed to a reference code. The synchronize module synchronizes the plurality of procedures to a mobile device. A retrieval module receives a first reference code at the mobile device and retrieves a first procedure indexed to the first reference code.

Abstract: Apparatus and methods for providing electronic coupons are provided. The apparatus and methods include a system that uses a plurality of coupon processors to pull coupon data from an electronic coupon platform upon the expiration of a predetermined time period. The apparatus and methods additionally include a system that uses an electronic coupon platform to pushes data to a plurality of coupon processors upon the expiration of a predetermined time period. The apparatus and methods also include a system that redeems electronic coupons by initiating a deposit of an amount of funds in a customer bank account at predetermined time intervals. The apparatus and methods further include an electronic coupon platform that sends an electronic notification to a plurality of coupon processors upon the receipt of data from a first coupon processor which relates to the receipt of customer payment card and/or loyalty card information.

Abstract: A system of electronically requesting, generating and processing a coupon over a payment processing network is provided. During a sales transaction, a purchaser at a point of sale (POS) terminal provides a customer identifier using a card with a magnetic stripe which is read by a magnetic card reader and then transmitted across the payment processing network along with product identifiers on the products being purchased. The customer identifier includes a banking identification number (BIN) which is read by a first server in the payment processing network and then forwarded to a coupon server. The coupon server uses the customer identifier and product identifier to select any coupons that are available for use by the purchaser and transmits the coupons back to the POS terminal, where the coupons are applied to the sales transaction.

Abstract: Value documents such as coupons and event tickets that are represented or indexed in the form of QR codes or other types of two-dimensional encoding techniques may be acquired by imaging with a suitably-enabled mobile device, and then translated in the mobile device into a form suitable for presentation as a one-dimensional barcode at a point-of-sale/service using light-simulated barcode technology.

Abstract: Sales promotion assisting systems are disclosed. Such systems include a sales promotion assisting system in which specific incentive is retrieved by passing a portable terminal or the like over a predetermined terminal installed in a store such as an eating and drinking establishment. An incentive can be exchanged for an item or the like of application software such as a game, which can lead to sales promotion.

Abstract: A system is provided for offer redemption of a retailer. A service provider includes one or more servers with engines and attached storage. The service provider is configured to be in communication with a mobile application running on a user mobile device of a user. The service provider is configured to be in communication with an advertiser and the retailer. The service provider is coupled to one or more processors with logic that enable an advertiser to create an offer campaign with details of the offer campaign stored in the storage. The details including at least one of, offer distribution rules and offer redemption rules. The one or more processors review transaction line items of the offer and making a determination to push or not push the offer redemption to a retailer check-out system.

Abstract: A method for customer promotion includes sequentially processing each of a plurality of items in a customer order. The price of each item is accumulated after processing. A marginal discount associated with each item processed is generated. This marginal discount is generated in response to a signal that indicates the accumulated price exceeds a predetermined threshold. Unapplied marginal discounts are accumulated for application to the customer order. A discount is applied to the customer order in response to a signal that is generated that indicates the accumulated discounts exceeds a predetermined minimum.