Abstract: Systems and methods of offering incentives such as electronic coupons at a point of sale. Transaction information gathered at a point of sale system is received at a host computer. The transaction information relates to a transaction performed by a consumer at a merchant, and includes a consumer account identifier identifying an account from which payment is to be made for the transaction, and includes a merchant identifier identifying the merchant. Using the host computer, it is recognized that the combination of merchant and consumer account identifiers qualifies for an incentive offer. The host computer transmits a description of the incentive offer to be offered to the consumer at the point of sale, and receives an indication that the consumer has accepted the offer. In a database maintained by the host computer, an indication is recorded that the offer is pending for the combination of consumer account and merchant identifiers.

Abstract: According to the invention, a system for delivering content to a user is disclosed. The system may include a point of sale device, a wide area network, and a payment processing system. The point of sale device may be configured to receive information regarding a transaction, and communicate content to the user. The wide area network may be in communication with the point of sale device. The payment processing system may be in communication with the wide area network, and may be configured to receive the information regarding the transaction, determine advertising content based at least in part on the information, and transmit the determined advertising content to the point of sale device.