Abstract: A way of providing offers for financial incentives to users as part of an electronic customer loyalty, rewards, or discount program involving one or more merchants is provided. For example, an offer criterion is received from a merchant. The offer criterion is established by the merchant for each user and associated with one or more products or services offered by the merchant. First data indicative of at least partial satisfaction of the offer criterion by a user is received. It is determined whether the first data has caused the user to satisfy the offer criterion for that user. Upon determining that the first data has caused the user to satisfy the offer criterion for that user, second data is provided to a mobile device associated with the user. The second data is representative of an offer for a financial incentive redeemable with the merchant.

Abstract: Management of an offer for a financial incentive offered by an offeror and, in particular, management of redemption of the offer by a particular user which eliminates the need for a redemption entity to capture a user-unique redemption code or otherwise report redemption in order to track and control the user's redemption of the offer is disclosed. Instead, the user's revelation of the redemption code, via a device associated with the user, may be considered a redemption of the financial incentive by the user regardless of whether the user actually receives the incentive. In particular, offers for financial incentives may be provided in an electronic form to a user, via a device associated with the user, such as the user's personal computer or mobile device, from an offer server, such as via a wired and/or wireless network. The offer includes a redemption code which must be exchanged/presented to the redemption entity, e.g. a merchant or retailer, to obtain the financial incentive.