Abstract: Methods and systems that allow users to receive automatic discount redemptions without the use of paper coupons or loyalty cards and real time notification of such redemptions. An offer redemption module submits merchant's point of sale registration information and user's financial card account registration information to the card network partner. The card network partner notifies the offer redemption module when a request to authorize a mutual merchant/user transaction is received. The offer redemption module matches the purchase transaction with saved auto-redeemable offers and notifies the acquirer requesting redemption and sends real time notification of redemption to user when there is a match.

Abstract: A system that processes transactions, in response to a transaction using a financial instrument, receives an identity of a financial instrument, such as a card hash. The system creates an anonymous account that corresponds to the financial instrument, and stores line level data associated with the transaction in the anonymous account. Future transactions that use the same financial instrument are also stored in the anonymous account. As a result, all transactions can be linked to the same user.

Abstract: A mobile software development kit (“SDK”) executes on a mobile device that interfaces with a commerce network. The mobile SDK includes an interface to a host application on the commerce network, and an interface to a merchant application executing on the mobile device. The mobile SDK receives from the host application a check-in of the mobile device to a merchant, and an availability of new user objects, and provides the check-in and new user objects to the merchant application.

Abstract: A system that processes transactions, in response to a transaction using a financial instrument, receives an identity of a financial instrument, such as a card hash. The system creates an anonymous account that corresponds to the financial instrument, and stores line level data associated with the transaction in the anonymous account. Future transactions that use the same financial instrument are also stored in the anonymous account. As a result, all transactions can be linked to the same user.

Abstract: A system that processes transactions, in response to a transaction using a financial instrument, receives an identity of a financial instrument, such as a card hash. The system creates an anonymous account that corresponds to the financial instrument, and stores line level data associated with the transaction in the anonymous account. Future transactions that use the same financial instrument are also stored in the anonymous account. As a result, all transactions can be linked to the same user.

Abstract: A commerce network that processes a mobile transaction detects a mobile device of a user entering a store, the user having a corresponding user account that includes one or more tenders. The network creates a payment token corresponding to the detecting and registers it with the store. The network receives a personal identification number (“PIN”) from the user and authenticates the PIN. The network receives a basket of goods of one or more items selected by the user for purchase, the basket of goods including line level data for the items. The network then selects one or more payment tenders from the one or more tenders based at least on the line level data and validates and authorizes the selected payment tenders.