Abstract: Disclosed is an electronic coupon delivery and redemption system that utilizes an online interface to bring customers targeted coupons related to the user's demographics, location and interests, and allow the customer to choose a set of coupons for which to load onto their profile. The profile is accessed at the merchant location utilizing a user-specific, magnetic strip card that contains the user's information and pings the online database storing the customer coupons. The coupons are then redeemed and the transaction is adjusted based on the savings from the utilized coupons. Vendors upload coupons and incentives to the online database, which enables targeted messages and incentives to be sent to users. The user chooses a set of coupons to load onto the card for use at a specific merchant location. Consumer trends and targeted sales for venders are facilitated through a completely online and paperless process.