Abstract: A method to select in-store or e-commerce channels for optimized delivery of creative media to consumers includes selecting, based on a prior purchasing behavior for a consumer, a targeted offer, wherein the targeted offer includes at least one of a coupon, a discount, or an advertisement for a retail product. The method also includes selecting a channel for the consumer to redeem the targeted offer, wherein the channel for the consumer to redeem the targeted offer includes one of an in-store redemption of the targeted offer or an online redemption in a shopping basket, providing the targeted offer for display in a client device used by the consumer, and indicating, in the display, the channel for the consumer to redeem the targeted offer. A non-transitory, computer-readable medium storing instructions and a system to perform the above method are also provided.

Abstract: A method for redeeming multiple digital offers with a digital code is provided. The method includes retrieving one or more consumer identification values, forming an offer for the consumer, the offer including a digital incentive associated with a product or service of interest for the consumer, and creating, in a persistent record, an offer monitor to update the offer for the consumer and include the offer, the offers associated with multiple products and services of interest for the consumer. The persistent record includes multiple offers for the consumer and is stored at a network address associated with the consumer. The method also includes associating a digital code with the persistent record, and integrating the persistent record with a wallet application installed in the user device. A system and a non-transitory, computer-readable medium storing instructions to cause the system to perform the above method are also provided.