Abstract: A wallet consolidator to warehouse information pertaining to at least one card and to retrieve the warehoused information to facilitate a transaction is provided. An embodiment of a Wallet consolidator can include a housing, one or more input devices positioned to receive information, and a memory device positioned to store at least a portion of the information received by the one or more input devices. The wallet consolidator can also include a radio frequency wireless communication interface associated with the housing and adapted to communicate with a point-of-sale terminal thereby to provide at least a portion of the Information stored in the memory device to the point-of-sale terminal, a display screen, and a controller positioned within the housing in communication with and to control each of the one or more input devices, the memory device, the radio frequency wireless communication interface, and the display screen.

Abstract: Systems and methods for monetary cards are described. The cards are free from personally identifiable data, e.g., no name or embossment. In an example, the card includes a first number that activates the card and a second number written to the card at activation away from the card manufacturer. This helps prevent theft at the manufacturer. This second account is a bearer account where anyone who knows the account number can withdraw the funds from the account. The account may be funded with either the account number or the authentication number.

Abstract: A system and method of broadcasting a tone during an electronic transaction. The system includes a point of sale (POS) unit for receiving credit card information utilized for an electronic transaction, an authorization system for authorizing the electronic transaction by the credit card, and a tone bank for storing a tone. The tone bank associates the tone with the credit card information. The POS unit includes a speaker for broadcasting the tone. The stored tone is retrieved and broadcast at the POS unit in response to utilizing the credit card information for the electronic transaction. The POS unit may optionally broadcast a video clip.

Abstract: An electronic offer management system and method thereof is disclosed. In particular, the system comprises means for receiving information related to a plurality of offers distributed by a plurality of different offer distributors to customer for redemption at plurality of stores, means for automatically routing the information related to an offer to a point-of-sale system of each store in which the offer can be redeemed, and means for automatically clearing the offers redeemed by the customer at the stores. The system further comprises means for automatically reconciling financial obligations associated with each cleared offer, as well means for dynamically profiling customers so that improved offer targeting can be achieved.

Abstract: A system, method and non-transitory computer-readable storage medium are disclosed for processing coupons. A system configured to practice the method transmits an advertisement to a mobile device of a user after the user registers to receive advertisements, wherein the advertisement is associated with an identification card of the user and a coupon, activates the coupon based on an acceptance via a user interaction with the mobile device, other than a telephone call, to yield an activated coupon, receives an indication at a point of sale device of a purchase using the identification card, wherein the mobile device is different from the point of sale device, and applies a discount to the purchase according to the activated coupon. Thus, a user can redeem the coupon by simply purchasing using the identification card without presenting a separate physical coupon. The coupon can be applied in substantially real time or after the transaction.

Abstract: A terminal and methods are presented for displaying customer information about a transaction occurring on a point of sale terminal on a customer's portable computing device. Creating a virtual session on the portable computing device permits additional information to be presented to the customer. The invention allows the virtual session to be started and ended without the need for assistance by an operator for the point of sale terminal.

Abstract: A consumer can use his or her cell phone to scan barcodes from newspaper circulars at home, on a computer screen at home and/or to scan coupon barcodes positioned on the edge of shelves in a store or displayed on a kiosk in a store. The data from all these coupons is be combined into (preferably) a single 2D barcode or in the event of a large number of coupons, into a smaller number of 2D barcodes on the cell phone's display, for scanning by an imaging barcode scanner at the point of sale. This 2D barcode can also include the user's loyalty card information, so reading a single barcode off the screen of the phone can accomplish what formerly required multiple individual scans to accomplish.

Abstract: A media targeting system may be configured to coordinate media and manage media conflicts in its delivery to consumers. The media targeting system may in near real-time arbitrate between all offers assigned to a particular consumer or available to the consumer via one or more channels to ensure that a consumer only receives non-conflicting offers during particular time periods. The media targeting system may translate offers into a real-time, in-store loyalty environment including consumer real-time behavior assignment into traits in order to make a real-time offer assignment based on the traits.

Abstract: Disclosed are methods and systems for redeeming virtual coupons by associating the coupons with a consumer and a payment system associated with the consumer. In some embodiments, the method includes distributing the enabled promotional offers, from one or more source sites, via the electronic contact addresses for the plurality of consumers, such that the promotional offers can be electronically accepted by at least some of the particular consumers with whom they are identified without redeeming the accepted offers. The method further includes electronically receiving a redemption of the promotional offer by means of the consumer's presentment of the associated payment system for purchasing the subject matter of the accepted promotional offer.

Abstract: A loyalty network enables customers to use their mobile devices to participate in a merchant's customer loyalty program. When a customer conducts a transaction, the merchant's point-of-sale (POS) system generates a code image containing transaction information. The POS system may print the code image on a transaction record (such as a bill or receipt) provided to the customer, and/or may display the code image on a display screen. The customer can then photograph/scan the code image with their mobile device, which sends the transaction information and authentication information to a loyalty program server. The loyalty program server may use this information to credit the customer's loyalty program account, and may, in some cases, interact with the POS system to enable loyalty program credits to be redeemed. In some embodiments, the transaction information may alternatively be conveyed to the mobile device using Near Field Communications.

Abstract: The present invention provides a system that allows merchants to donate a portion of each sale to every customer participating in the discount program directly to the fundraiser chosen by the customer. Customers are incentivized to use the card at participating merchants because the discounts received from using the card can be significantly greater than the initial cost of the card. The system of the invention can be implemented on a card that can serve the dual purpose of being a discount card as well as a number of other cards utilized by customers. By having more than one function for the card, customers are encouraged to utilize the discount feature more routinely because of the convenience of carrying one card with multiple functions.

Abstract: In one aspect, a computing apparatus is configured to facilitate the identification of a transaction resulting from an activity occurring in a substantially separate context or environment, such as an offline transaction in a “brick and mortar” retail store resulting from an online advertisement or an online search. The computing apparatus may match information about the activity and information about the transaction to correlate the online activity and the offline transaction. The matching process may involve the use of an offer for a discount, an incentive, a rebate, a reward, reward points, cash back, a gift, etc. The offer is to be provided in the advertisement associated with an online activity and redeemed in a payment transaction, processed via the transaction handler, to correlate the advertisement and the transaction.

Abstract: Methods and systems are presented for sending an update to a customer's loyalty program account through a credit card authorization response message as well as sending the update by SMS, MMS, or other electronic message to the customer's mobile phone or device. The electronic message can allow the user to switch between the type of loyalty points to be accrued as well as offer coupons and other incentives for further purchase. Store returns can update loyalty points and result in update messages as well.

Abstract: The present invention provides a system for implementing a loyalty program on a network-wide level. The system associates UPC and SKU data on a network level to reward consumers and/or to analyze the data for a variety of business purposes, such as market segmentation analyses and/or analyses relating to consumer spending behaviors or patterns for example. In accordance with one aspect of the invention, the association of UPC and SKU data by the system facilitates implementation of an incentive or loyalty program by providing a universal rewards currency. This universal rewards currency may be “spent” by participants who have earned rewards and accepted by the other participants in the multi-tiered network created by the system. The network may comprise any number of participants, including consumers, retailers (and any of their employees), manufacturers, third-party providers, and the like.

Abstract: This specification describes technologies relating to content presentation. In general, one aspect of the subject matter described in this specification can be embodied in methods that include the actions of sending one or more redeemable content items to a user, each content item being configured for redemption at a physical retail location; receiving a request from the user to redeem a content item of the one or more content items at a particular physical retail location; validating, using one or more processor, the content item for redemption; if the content item is valid for redemption, notifying a corresponding retailer of the content item redemption to be applied to a pending retail transaction; and logging the redemption. Other embodiments of this aspect include corresponding systems, apparatus, and computer program products.

Abstract: Disclosed is a system and method to produce and control subsidization of targeted advertising materials. According to one exemplary method, customized printer material and targeted advertising material is provided to a consumer, where the price of the customized printed material is subsidized in exchange for the consumer agreeing to receive the targeted advertising material.

Abstract: A method for outputting information about a person includes identifying the person utilizing a wireless system upon entry into a physical location, and also includes locating the person within the physical structure. An engagement plan is retrieved based on the identification of the person and output. The engagement plan has information useful for interacting with the person. The engagement plan is created based at least in part on personal information of the person, the preferences of the person, and the past transactions of the person. A system for outputting information about a person, such as a customer, includes an object carried by the person, which is capable of being identified by a wireless system. A wireless interface communicates with the object. A computing device correlates the identification of the object with the person. An output device outputs information relating to the person.

Abstract: Methods and systems are described for issuing and settling electronic coupons. A financial service host may receive authorization and settlement information, wherein the authorization and settlement information comprises an account number of the consumer. The account number may be linked to an account of the consumer enrolled in an electronic coupon program. The methods and system may also include transmitting a notification to the consumer that indicates the electronic coupon has been redeemed. A monetary value associated with the electronic coupon may be debited from an account linked to the merchant, and the account of the consumer may be credited with the monetary value associated with the electronic coupon.

Abstract: A mobile shopping decision agent application is disclosed. A wireless-enabled (e.g., WiFi) device that uses three or more routers to locate the exact position (e.g., aisle number, shelf, etc. in a store) of a user operating the wireless-enabled device to provide the user with assistance in shopping (e.g., comparison, order online, read technical specifications, read customer reviews, etc.) for a product, and allows the user to purchase the product on the spot from the merchant (or another competing merchant) direct from his/her account with a bank online or at the merchant POS/checkout. In addition, application also may use various social networking features (e.g., product recommendations from friends, recommendations from public at large, wish list, etc.) to enhance the customer's shopping experience.

Abstract: A system and method for sales optimization having a store database storing information about past shopping experiences and preferences of different customers, a business rules engine connected to the store database, a biometric database containing biometric data, a customer identification engine connected to the biometric database; and a biometric detector detecting customer's presence in the store. The biometric detector is connected to the biometric database through the customer identification engine. The customer identification engine identifies detected customers using data stored in the biometric database. The system also includes at least one sales representative terminal connected to the business rules engine. When sales optimization tactic is determined, it is conveyed from the business rules engine to the sales representative terminal.

Abstract: The invention includes facilitating the substantially real-time transfer of loyalty points between accounts. The method and system include receiving a transfer request (e.g., consumer request, triggering event, etc) for a transfer of a certain number of loyalty points, accessing and analyzing the total number of loyalty points in the transferor account to determine if a sufficient number of points exist, analyzing the type/level of consumer and type/level of points to be involved in the transfer, deducting the requested loyalty points from the transferor account, determining if any rules exist for restricting or limiting the transfer of points, using a conversion engine to convert the point value to an appropriate point value in the transferee account and increasing the point balance in the transferee account.

Abstract: A method for setting a price for a product sold online by a subject merchant is provided. The method comprises accessing price information of at least one other merchant of the same product by applying a shopping robot to two or more shopping sites, including at least one price comparison site, with other offerings of the same product by other merchants; accessing pricing rules for the subject merchant that cover sales originating from the comparison site; applying the pricing rules to adjust the current product price at which the subject merchant offers the product on the two or more shopping sites to be more competitive; and responsive to a price adjustment that would reduce the product price so as to violate a specified profitability goal, increasing the shipping charges with which the merchant offers the product with the price adjustment on the two or more shopping sites.

Abstract: A data processing system issuing electronic certificates through “online” networks of personal computers, televisions, or other devices with video monitors or telephones. Each electronic certificate includes transaction data and identification data, and can be printed out on a printing device linked to a consumer's personal input device, or electronically stored in a designated data base until a specified expiration date. The certificate can be used for various purposes, including use as a coupon for a discounted price on a product or service, proof of a gift or award, proof of reservation, or proof of payment. Consumers access the data processing system online, browse among their choices, and make their selections. The data processing system provides reports on the selected certificates and their use following selection.

Abstract: Example methods, apparatuses, or articles of manufacture are disclosed herein that may be utilized, in whole or in part, to facilitate or support one or more operations or techniques for creating new and/or reoccurring revenue sources using an allocation source.

Abstract: In a method of executing a transaction using an electronic coupon, coupon campaign information is provided to an engine. The coupon campaign information defines a discount value, a product family and a number of coupons to be distributed. Each coupon within the coupon campaign has a coupon identification (ID). Coupon publications are provided including a machine-readable portion that encodes coupon data describing the coupon campaign information. The coupon data is retrieved from the machine-readable portion of the coupon publication using a personal electronic device. The coupon data is used to retrieve a coupon ID that is stored in the personal electronic device. The coupon ID is transmitted to a point of sale (POS) system using the personal electronic device. The POS system communicates with the engine to verify a validity of the coupon ID. A discount is applied to a transaction in accordance with the discount value.

Abstract: A POS terminal receives a signal that indicates an item, for example, via a bar code scanner. The POS terminal ascertains whether the item is associated with an offer for a rebate. If so, a code is generated and output to the customer, such as on a printed receipt. The code is associated with an offer for a rebate in exchange for establishing a subscription to a periodical. If the customer subscribes to a required periodical, he will be credited the amount he paid for the item. Subsequently, the customer requests a subscription to a periodical from a subscription fulfillment house, and provides his code in conjunction with the request. If the code is valid, the customer is provided with a rebate. The rebate may be provided directly by the subscription fulfillment house (e.g. a credit to a credit card account) or may be provided by a merchant (e.g. a discount on a future purchase).

Abstract: A system and method are provided for reimbursing merchants for coupons used by the customers of those merchants is disclosed. Pursuant to the Present Invention, a Coupon Data File is prepared, identifying the products potentially subject to coupons and/or incentives, and the nature of the associated discount. A Transaction Log Data File is also prepared, describing one or more purchase transactions undertaken by consumers. Finally, a Transaction Log Processor analyzes the transaction log data, compares the information in the Transaction Log Data File with information in the Coupon Data File and tabulates coupons redeemed by consumers during the transactions associated with the information in the Transaction Log Data.

Abstract: A product discount system, apparatus, and method are herein disclosed. A discount server may receive one or more product discounts from a use. A wireless device may retrieve product identification information from a product and generate a discount request message that is transmitted to a discount server. The discount server may identify potential discounts associated with the product identification information and transmit product availability data to the wireless device. The wireless device may notify a user of available product discounts based on the product availability data. Once notified, the user may proceed by redeeming one or more of the available product discounts.

Abstract: Embodiments of the invention provide systems, methods and devices for adding functionality to merchant sales and facilitating data collection, including: a central server for hosting content and applications, mobile devices to access said applications and interact with electronic content, and on-site devices functioning as processing and communication equipment. All of which allows advertisers to offer customized incentives, provides merchants visibility into product flow and customer behavior, and makes available to customers an electronic mobile wallet. The integrated network functions on a real-time basis, providing instant updates, billing, inquiries, sales processing, inventory tracking, and more.

Abstract: Systems and methods for performing a consumer advertising transaction at a retail device are disclosed. According to one system and method, an identifier associated with the retail device is provided to a personal communication device. An application-specific user interface specific to the retail device is associated based on the identifier. A selection is received for the consumer advertising transaction made by a consumer interacting with the application-specific user interface executing on the personal communication device. The consumer advertising transaction is performed based on the received selection for the consumer advertising transaction made by the consumer interacting with the application-specific user interface.

Abstract: In one aspect, a system includes an interchange with a data storage facility to store data associating an offer with a phone number. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the common format processor in a common format and to communicate with the controllers in different formats. The common format processor is configured to use one of the converters to communicate with a mobile phone at the phone number to process a payment to a merchant, to determine, for the payment, whether the offer is applicable based on the data associating the offer with the phone number, and to apply a benefit of the offer towards the payment if the offer is applicable.

Abstract: Systems and methods for promotions of selected products in a retail grocery setting include providing electronic coupons for immediate use. Customers are provided an RFID tag that can communicate with RFID devices placed on the grocery shelves adjacent or near the selected products. Touching or approaching the shelf devices with a tag transfers the coupon information to the tag, and an RFID reader at the point of sale retrieves the coupon information and applies the discounts at checkout.

Abstract: Methods, systems, and computer readable media for tracking redeemed electronic certificate and consumer data associated with a mobile device are disclosed. In one embodiment, a method includes receiving, at a wireless device reader, electronic certificate data and consumer identification data, redeeming the electronic certificate data, and generating redemption tracking data using the redeemed electronic certificate data and consumer identification data.

Abstract: The present invention provides a system for implementing a loyalty program on a network-wide level. The system associates UPC and SKU data on a network level to reward consumers and/or to analyze the data for a variety of business purposes, such as market segmentation analyses and/or analyses relating to consumer spending behaviors or patterns, for example. In accordance with one aspect of the invention, the network may comprise any number of participants, including consumers (such primary and supplementary members of an aggregate consumer account), retailers (and any of their employees), manufacturers, third-party providers, and the like. In accordance with one aspect, the system enables participation by supplementary members who are associated with a primary member and, in this manner, facilitates the tracking of supplementary member purchasing behavior, reward points earning behavior, and reward points redemption behavior.

Abstract: A system for managing coupon redemption and prioritization is provided. According to one aspect of the system, the system allows an electronic coupon or reward to be redeemed a specific number of times. The specific number of times may range from one to infinity. According to another aspect of the system, the system automatically resolves any redemption conflict associated with the concurrent redemption of electronic coupon(s) and paper-based coupon(s) by using certain predefined rules and logic.

Abstract: A POS terminal receives a signal that indicates an item, for example, via a bar code scanner. The POS terminal ascertains whether the item is associated with an offer for a rebate. If so, a code is generated and output to the customer, such as on a printed receipt. The code is associated with an offer for a rebate in exchange for establishing a subscription to a periodical. If the customer subscribes to a required periodical, he will be credited the amount he paid for the item. Subsequently, the customer requests a subscription to a periodical from a subscription fulfillment house, and provides his code in conjunction with the request. If the code is valid, the customer is provided with a rebate. The rebate may be provided directly by the subscription fulfillment house (e.g. a credit to a credit card account) or may be provided by a merchant (e.g. a discount on a future purchase).

Abstract: A computer-implemented method of providing a discount for fuel to a customer is disclosed. The method includes identifying a customer to a retail store using a first reader device in operative communication with a host computer, which is communication with an identification module. The identification module creates and associates a customer with a customer identification record. A preliminary award record is created and maintained, which includes a discount-per-gallon award for fuel associated with the customer identification record in response to a purchase recognized by the host computer. The host computer adds subsequent preliminary award records to the preliminary award record associated with a customer identification to create an intermediate award record, which includes all the discount-per-gallon awards associated with the customer. A purchase of fuel is initiated by the purchaser at a fuel station with at least one fuel pump.

Abstract: A system for providing distributed control to process transactions is disclosed. The system includes a service provider system having associated therewith a number of rules and a number of meta-rules, a point of service device having associated therewith a number of rules and a number of meta-rules, and a portable device having associated therewith a number of rules and a number of meta-rules. The portable device uses its associated rules to determine an outcome for a transaction. If the portable device is unable to determine the outcome for the transaction, the portable device uses its associated meta-rules to either determine whether one or more of its associated rules can be altered locally in order to determine the outcome or request the point of service device to help determine the outcome using the rules and meta-rules associated with the point of service device.

Abstract: A method of extending promotional discounts and special prices on items for sale to identified consumers. After the identification of a consumer by a unique identifier; a selected item is promoted with a discount or special price to the identified consumer. The discount or special price is granted upon a purchase of the item by the identified consumer prior to the withdrawal or termination of the promotion to the identified consumer. The withdrawal or termination of the promotion is held in abeyance upon an acknowledgment of the promotion by the identified consumer. In other words, the identified consumer must take specific action to prevent a promotional discount from being withdrawn. This inverted promotion provides for greater incentives for the consumer to provide information about his or her purchasing habits.

Abstract: A cash register tray includes a base tray having a plurality of change compartments and a plurality of weight sensors, each weight sensor being configured to determine content weight of a respective change compartment. The cash register tray includes a processor in data communication with each weight sensor. Data input and output devices are in data communication with the processor. The processor includes programming for associating each compartment with a respective monetary denomination and monetary value, an initial monetary value and content weight using weight sensor data. The processor includes programming for adding value to respective compartment values if change is added to a compartment as sensed by the input device or weight sensors and for subtracting value from a respective compartment value as indicated by respective weight sensors. The processor divides an increase or decrease by a predetermined value after each transaction to account for coin weight variations.

Abstract: One embodiment of the invention is directed to a method comprising receiving an authorization request message for a transaction conducted by a consumer with a merchant, sending the authorization request message to an issuer, receiving an authorization response message, modifying the authorization response message using a server computer to include receipt preference data, wherein the receipt preference data is derived from receipt preferences of the consumer or the merchant, and sending the authorization response message comprising the receipt preference data to the merchant, wherein the merchant generates a receipt for the consumer according to the receipt preference data.

Abstract: A global customer satisfaction system includes point-of-sale customer feedback terminals for receiving in-store customer feedback including satisfaction ratings and other customer feedback regarding participating vendors as the customer pays for purchases. The system also includes post-sale customer feedback terminals for receiving more detailed customer feedback regarding the vendors from members after the sales have been completed. The system also includes an aggregation and dissemination system for combining the ratings received form customers into global customer satisfaction ratings for participating vendors, and disseminating the customer satisfaction information through customer satisfaction qualified directories, which are organized or searchable by geographical, type of product or service offered by the participating vendors, and other factors.

Abstract: Embodiments of the invention provide for a mobile payment device used to conduct transactions associated with a merchant offer program. In specific embodiments, the mobile device is equipped with short range communication mechanisms or some other form of wireless communication that allows for the mobile device to communicate customer program verification data, offer data and/or necessary payment data to a properly configured Point-Of-Sale (POS) device, such as a cash register, card reader device or the like. In other embodiments of the invention, the mobile device is in network communication with the financial institution and the financial institution is in network communication with the merchant, such that, once the customer communicates to the financial institution acceptance of an offer and the desire to conduct the corresponding transaction, the financial institution can, in turn, communicate the necessary payment data to the merchant.

Abstract: The present invention relates to a secured transaction system. In one embodiment, a mobile client device includes a user interface configured to enable a user to select a transaction type and collect a user pin number, a processor configured to generate a secured transaction description using the transaction type and the user pin number, wherein the secured transaction description includes issuer ID, account ID, merchant ID, password, transaction amount, and transaction time stamp, and the processor is further configured to transmit the secured transaction description to a mobile processing agent for processing, and receive a transaction record from the mobile transaction processing agent, and a memory configured to store the transaction record in the mobile client device.

Abstract: According to one embodiment, a commodity information processing system includes a second reading unit, a medium issue unit, a first storing unit having sale-in-a-set information stored therein, a specific-information generating unit, a determining unit, and an issue unit. The specifying information generating unit generates provisionally-registered commodity specifying information for specifying a commodity, commodity identification information of which is read by the second reading unit. The issue unit causes, if the determining unit determines that the commodity, the commodity identification information of which is read by the second reading unit, is a target commodity of the sale in a set, the medium issue unit to issue an information display medium on which sale-in-a-set information including the commodity as the target commodity and stored in the first storing unit and the provisionally-registered commodity specifying information are displayed.

Abstract: A Point-of-Sale networked computing system includes a workstation with a first Personal Computer (PC)-based controller, a workstation with a second industrial PC-based controller having different performance characteristics than the first controller, and an Ethernet network coupling the workstations. The Ethernet network may include home-run or star Ethernet topology, and the controllers may be TCP/IP addressable. The computing system may be used in a restaurant, kitchen, shop, or department store. The computing system may also include a bump bar keyboard or keypad and a monitor coupled to the controllers Another Point-of-Sale networked computing system includes at least two workstations, each of which includes an industrial non-PC-based controller, and an Ethernet network coupling the workstations.

Abstract: In an example embodiment, there is a system for mobile reward redemption. The system may receive a selection of a cash equivalent rewards on a mobile device. The system may further transmit a request message from the mobile device to a reward fulfillment server, wherein the request message comprises the selection of the cash equivalent reward. Additionally, the system may receive a message on the mobile device from the reward fulfillment server comprising a link to a barcode image. The barcode image may represent the cash equivalent reward. The barcode image may be retrieved and the barcode image may be presented to a merchant scanning system to redeem the cash equivalent reward.

Abstract: A commercial article information presenting system includes a shopping basket device and a shopping server communicating with the shopping basket device. The shopping basket device acquires a tag ID from an electronic tag attached to a commercial article put in a shopping basket and transmits the tag ID to a shop server. The shop server stores the tag ID received from the shopping basket device, generates screen data for an itemization screen for indicating a commercial article identifier and a unit price corresponding to the stored tag ID, a total of unit prices. The shop server transmits the screen data for the itemization screen to the shopping basket device.

Abstract: A method for customizing direct marketing campaigns, by utilizing relationships within a computer social network and information that is known about the social network members to find the best opportunity to provide an offer for goods and services to potential customers; providing offers for the goods and the services via the computer based upon receiving recommendations from acquaintances of potential customers via the social networks; and sending offers to the potential customers via the computer on behalf of their acquaintance.

Abstract: In one example, a stored value card system is modified to process discount cards that are capable of providing varying percentage discounts on an array of products or services that can be purchased by a consumer. Implementations of the stored value card system can include modifications that allow a transaction using the discount card to pass through as an authorized transaction in spite of, for instance, application software logic that otherwise rejects transactions for stored value cards having a zero balance. For example, when the modified stored value card system detects a transaction involving a discount card, an authorization system within the modified stored value card system can generate an alternative error code that prevents the point of sale system from rejecting the transaction due to a zero balance.