Abstract: In general, the present invention is directed to systems and methods of utilizing an application operating on a mobile device to determine any applicable offers or eligibility and rank such offers and eligibility for user selection. More specifically, a process may be conducted by a processor in communication with a mobile device and data stores including user data, retailer data, and/or product and service data, the process including comparing identification information associated with a product or service received from the mobile device with data in the data stores; determining the product or service and identifying any associated promotional offers or plan eligibility associated with the product or service, the user, and/or the retailer; ranking any promotional offers or plan eligibility based at least in part on size of promotion; transmitting to the mobile device an identifier of applicable promotional offers or plan eligibility.

Abstract: In general, the present invention is directed to systems and methods of utilizing an application operating on a mobile device to determine any applicable offers or eligibility and rank such offers and eligibility for user selection. More specifically, a process may be conducted by a processor in communication with a mobile device and data stores including user data, retailer data, and/or product and service data, the process including comparing identification information associated with a product or service received from the mobile device with data in the data stores; determining the product or service and identifying any associated promotional offers or plan eligibility associated with the product or service, the user, and/or the retailer; ranking any promotional offers or plan eligibility based at least in part on size of promotion; transmitting to the mobile device an identifier of applicable promotional offers or plan eligibility.

Abstract: In accordance with some embodiments of the present invention, aspects may include systems and methods of using a membership card to obtain benefits in a purchase transaction for goods or services. The method may include steps such as receiving at a central processor a communication from a point of sale including one or more identifiers of goods or services selected in the purchase transaction and information identifying the membership card, including at least a portion of the indicia; determining by the central processor potential benefits, if any, associated with the membership card; determining by the central processor if any potential benefits are applicable to the merchant, the point of sale, or the one or more goods or services identified by the received identifiers; determining a transaction benefit amount applicable to the transaction; and sending to the point of sale a partial authorization in the amount of the transaction benefit amount.

Abstract: In general, the present invention is directed to an apparatus for locally processing stored value card transactions, the apparatus proximate to a retailer point-of-sale (POS) or host, the apparatus in communication with the POS or host and a stored value card processor and configured to: receive a transaction request; determine if the transaction request should be passed through to the stored value card processor or decided upon locally; if the transaction request should be passed through; communicate such request to the stored value card processor, upon receiving a certain response from stored value card processor, or from the attempted communication with the stored value card processor, locally overriding the response of the stored value card processor or deciding upon the transaction request locally; if the transaction request should not be passed through; locally deciding the transaction request; and communicating a transaction request response back to the POS or host.

Abstract: In accordance with some embodiments of the present invention, aspects may include systems and methods of using a membership card to obtain, benefits in a purchase transaction for goods or services. The method may include steps such as receiving at a central processor a communication from a point of sale including one or more identifiers of goods or services selected in the purchase transaction and information identifying the membership card, including at least a portion of the indicia; determining by the central processor potential benefits, if any, associated with, the membership card; determining by the central processor if any potential benefits are applicable to the merchant, the point of sale, or the one or more goods or services identified by the received identifiers; determining a transaction benefit amount applicable to the transaction; and sending to the point of sale a partial authorization in the amount of the transaction benefit amount.