Abstract: A system and method for accessing promotion information and for generating available rewards therefrom is disclosed. The system stores a plurality of promotion information records, where each record includes an available reward in connection with a purchase from a vendor. The system also stores a user profile for a system user which includes user preference information based upon preferences of the user. The stored promotion information records are presented to the user. Such user selects records for presentation and selects the available reward of a record. The selected available reward is the stored for the user. A reward is issued to the user upon presentation of a pre-determined account identifier to a vendor in connection with a purchase for which the available reward has been stored. The account identifier identifies an account from which funds are to be transferred to the vendor.

Abstract: A system for accessing and displaying promotion information and for generating redeemable coupons based on at least one of the accessed promotions stores promotion information records each of which includes an electronic coupon offer and information in connection with a product/service a merchant sells. The system also stores a user profile for a system user which includes user preference information. The stored records are presented according to a hierarchical menu structure. The user navigates menus to select promotion information records for presentation. The user electronically clips the coupon offer of the presented record and the electronic clipped coupon is stored. At the merchant, the electronic clipped coupon is accessed and reviewed, and a paper coupon corresponding to the electronic clipped coupon is selectively generated for redemption by the merchant.