Abstract: A system, method and non-transitory computer-readable storage medium are disclosed for processing coupons. A system configured to practice the method transmits an advertisement to a mobile device of a user after the user registers to receive advertisements, wherein the advertisement is associated with an identification card of the user and a coupon, activates the coupon based on an acceptance via a user interaction with the mobile device, other than a telephone call, to yield an activated coupon, receives an indication at a point of sale device of a purchase using the identification card, wherein the mobile device is different from the point of sale device, and applies a discount to the purchase according to the activated coupon. Thus, a user can redeem the coupon by simply purchasing using the identification card without presenting a separate physical coupon. The coupon can be applied in substantially real time or after the transaction.

Abstract: A system, method and computer-readable medium are disclosed for advertising and completing a transaction using a credit card or a debit card. The method includes receiving situation information at a device, based on the situation information, transmitting an advertisement to the device, associating an advertisement with an identification card such as a debit card, credit card, student ID card, biometric data, or club card, and receiving an indication of a purchase associated with the advertisement and completed using the card. The disclosure enables a user to receive an advertisement on a device such as a mobile device and then make a purchase decision based on that advertisement in a normal fashion or transparent to the user and sales clerk, without the use of coupons, special codes or any other additional and annoying requirements for making the purchase. The user only needs to use an appropriate identification card.