Abstract: A method for real-time invoice updating and account-to-account payment includes: receiving invoice data based on presentation of an invoice by a distributor to a recipient at a delivery location, modification of the invoice by the recipient, and acceptance of the invoice by the recipient; generating a request for payment (RFP) message based on the invoice data; transmitting the RFP message to a financial institution associated with the recipient via a financial institution of the distributor; receiving, from the financial institution associated with the distributor, a payment confirmation for the invoice based on a real-time payment from the financial institution associated with the recipient; generating reconciliation data based on the payment confirmation and the invoice data; and transmitting the reconciliation data to a computing device of the distributor and a computing device of the recipient.

Abstract: A method for real-time invoice updating and account-to-account payment includes: receiving invoice data based on presentation of an invoice by a distributor to a recipient at a delivery location, modification of the invoice by the recipient, and acceptance of the invoice by the recipient; generating a request for payment (RFP) message based on the invoice data; transmitting the RFP message to a financial institution associated with the recipient via a financial institution of the distributor; receiving, from the financial institution associated with the distributor, a payment confirmation for the invoice based on a real-time payment from the financial institution associated with the recipient; generating reconciliation data based on the payment confirmation and the invoice data; and transmitting the reconciliation data to a computing device of the distributor and a computing device of the recipient.

Abstract: A method for real-time invoice updating and account-to-account payment includes: receiving invoice data based on presentation of an invoice by a distributor to a recipient at a delivery location, modification of the invoice by the recipient, and acceptance of the invoice by the recipient; generating a request for payment (RFP) message based on the invoice data; transmitting the RFP message to a financial institution associated with the recipient via a financial institution of the distributor; receiving, from the financial institution associated with the distributor, a payment confirmation for the invoice based on a real-time payment from the financial institution associated with the recipient; generating reconciliation data based on the payment confirmation and the invoice data; and transmitting the reconciliation data to a computing device of the distributor and a computing device of the recipient.

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.

Abstract: A method for initiating and processing a financial transaction includes: receiving and accumulating the value of one or more deal redemptions; receiving, by a receiving device, a request for payment, wherein the request for payment includes at least a merchant identifier, a payer identifier, and a transaction amount; identifying, by a processing device, a controlled payment number, wherein the controlled payment number is restricted to a merchant corresponding to the merchant identifier and the transaction amount; initiating a financial transaction for the transaction amount between a payer corresponding to the payer identifier and the merchant, wherein the controlled payment number is used for the payment of the financial transaction; and processing, by the processing device, the financial transaction.

Abstract: A method for initiating a financial transaction on a mobile device includes: transmitting, by a transmitter, a wallet identifier associated with the mobile device; receiving, by a receiver, transaction information for a financial transaction to be initiated, wherein the transaction information includes at least a transaction amount; storing, in a database, at least one deal and a payment card, wherein each deal of the at least one deal includes at least a discount amount; receiving, via an input, an indication of a deal of the at least one deal to be applied to the financial transaction to be initiated; and initiating, by a processor, a financial transaction by transmitting an authorization request for the financial transaction, wherein the authorization request includes the payment card and is for a remaining amount, the remaining amount based on the transaction amount and the discount amount corresponding to the indicated deal.

Abstract: Methods and systems are disclosed for using a financial transaction card number system of a payment processing network as part of offer and gift distribution, verification and redemption systems. In an embodiment, a method receives indication of acceptance of an offer from a consumer and initiates processing of consumer payment using a financial transaction card number associated with the consumer. The method sends an intelligent transaction card (ITC) number to be used with a redemption code to purchase products or services contained in the offer. In another embodiment, a system generates and redeems a dynamic gift by requesting a gift code based on controls for the gift. Upon receiving indication that the gift has been redeemed, the system receives the gift code and authorization from a merchant and checks validity of the gift based on the controls. The system approves the gift redemption if the redemption is within the controls.