Mobile coupon analysis systems and methods

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.

1 . (canceled) 
     
     
         2 . A method of operating an electronic coupon system, the method comprising:
 receiving, at a coupon aggregator system, a request from a user device of a user to participate in an electric coupon program;   receiving, at the coupon aggregator system, biographical information associated with the user;   enrolling, by the coupon aggregator system, an account identifier associated with the user in the electronic coupon program;   receiving, at the coupon aggregator system, an activation request associated with the user;   processing, by the coupon aggregator system, the activation request; and   sending at least one coupon to the user device.   
     
     
         3 . The method of operating an electronic coupon system of  claim 2 , further comprising:
 receiving, at the coupon aggregator system, opt-in information indicating types of coupons the user would like to receive.   
     
     
         4 . The method of operating an electronic coupon system of  claim 2 , further comprising:
 receiving location information from the user device; and   determining that the user device is within a particular geographic area, wherein the at least one coupon is sent to the user device based on the determination that the user device is within the particular geographic area.   
     
     
         5 . The method of operating an electronic coupon system of  claim 2 , further comprising:
 transmitting coupon campaign data to a financial institution, the coupon campaign data comprises information associated with a particular coupon offer a merchant wishes to make.   
     
     
         6 . The method of operating an electronic coupon system of  claim 2 , further comprising:
 receiving, at the coupon aggregator system, a redemption notification for a particular one of the at least one coupon;   storing, at the coupon aggregator system, information associated with the redemption notification; and   notifying, by the coupon aggregator system, a merchant that the particular one of the at least one coupon has been redeemed by the user.   
     
     
         7 . The method of operating an electronic coupon system of  claim 6 , further comprising:
 transmitting, by the coupon aggregator system, a user redemption notification to the user device.   
     
     
         8 . The method of operating an electronic coupon system of  claim 7 , wherein:
 the user redemption notification comprises a follow-up offer for a further discount at the merchant.   
     
     
         9 . A coupon aggregator system, comprising:
 a communications interface;   one or more processors; and   a memory containing instructions that when executed by the one or more processors cause the coupon aggregator system to:
 receive, using the communications interface, a request from a user device of a user to participate in an electric coupon program; 
 receive, using the communications interface, biographical information associated with the user; 
 enroll an account identifier associated with the user in the electronic coupon program; 
 receive, using the communications interface, an activation request associated with the user; 
 process the activation request; and 
 send, using the communications interface, at least one coupon to the user device. 
   
     
     
         10 . The coupon aggregator system of  claim 9 , wherein:
 the account identifier is received from the user device or a financial institution prior to enrolling the account identifier in the electronic coupon program.   
     
     
         11 . The coupon aggregator system of  claim 9 , wherein the instructions further cause the coupon aggregator system to:
 create the account identifier prior to enrolling the account identifier in the electronic coupon program.   
     
     
         12 . The coupon aggregator system of  claim 9 , wherein the instructions further cause the coupon aggregator system to:
 receive, using the communications interface, a redemption notification for a particular one of the at least one coupon; and   transmit, using the communications interface, a user redemption notification to the user device based on receipt of the redemption notification.   
     
     
         13 . The coupon aggregator system of  claim 9 , wherein:
 the at least one coupon and the user redemption notification are sent to the user device using different electronic mediums.   
     
     
         14 . The coupon aggregator system of  claim 9 , wherein:
 the at least one coupon is sent to a mobile application being executed by the user device.   
     
     
         15 . The coupon aggregator system of  claim 9 , wherein:
 processing the activation request comprises:
 forwarding account information associated with the user to a financial institution; and 
 identifying at least one coupon to initially send to the user device based at least in part on the biographical information associated with the user. 
   
     
     
         16 . A non-transitory machine-readable medium having stored thereon a series of instructions which, when executed by a processor of a coupon aggregator system, cause the processor to:
 receive a request from a user device of a user to participate in an electric coupon program;   receive biographical information associated with the user;   enroll an account identifier associated with the user in the electronic coupon program;   receive an activation request associated with the user;   process the activation request; and   send at least one coupon to the user device.   
     
     
         17 . The non-transitory machine-readable medium of  claim 16 , wherein:
 the instructions further cause the processor to link the account identifier with a payment account of the user.   
     
     
         18 . The non-transitory machine-readable medium of  claim 16 , wherein:
 the instructions further cause the processor to receive, from the user device, at least one selected form of delivery for future electronic coupons.   
     
     
         19 . The non-transitory machine-readable medium of  claim 16 , wherein:
 the instructions further cause the processor to:
 receive, from the user device, an indication that the user would like to receive location-specific electronic coupons; 
 access global navigation information from the user device; and 
 present at least one location-specific electronic coupon to the user device based on the global navigation information. 
   
     
     
         20 . The non-transitory machine-readable medium of  claim 16 , wherein:
 the instructions further cause the processor to receive, from the user device, an acceptance of the at least one coupon.   
     
     
         21 . The non-transitory machine-readable medium of  claim 16 , wherein:
 the biographical information is received from the user device.