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Mobile coupon analysis systems and methods

  • US 8,650,071 B2
  • Filed: 05/10/2010
  • Issued: 02/11/2014
  • Est. Priority Date: 05/10/2010
  • Status: Expired due to Fees
First Claim
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1. A method of issuing and redeeming an electronic coupon, the method comprising:

  • transmitting, by a financial institution computer system to a mobile device of a consumer, the electronic coupon, wherein the electronic coupon is linked to a discount monetary amount;

    receiving, by the financial institution computer system, settlement data from a merchant point-of-sale device, wherein the settlement data is linked to a purchase transaction associated with a financial account of the consumer and includes merchant account information associated with a merchant account and a merchant electronic coupon program and an indicator within a portion of an account number of the financial account of the consumer that indicates the consumer participates in the merchant electronic coupon program;

    identifying, by the financial institution computer system, the merchant account information and the indicator within the settlement data;

    validating, by the financial institution computer system, the electronic coupon in response to identifying the merchant account information and the indicator;

    transmitting, by the financial institution computer system to the mobile device, a notification that the electronic coupon has been successfully redeemed;

    debiting, by the financial institution computer system, at least the discount monetary amount from the merchant account associated with the merchant electronic coupon program; and

    crediting, by the financial institution computer system, at least a portion of the discount monetary amount of the electronic coupon to the financial account of the consumer.

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