Systems and methods for offering products using linked transactions

A system for automatically linking one or more physical purchase transactions with one or more electronic commerce purchase transactions, comprising:

• one or more memories storing software instructions;
• and
• one or more processors configured to execute the software instructions to perform one or more operations for linking one or more physical purchase transactions with one or more electronic commerce purchase transactions, the operations including:
• receiving transaction data relating to a first physical purchase transaction associated with a user's financial service account that is used to purchase a first product at a first merchant location through an application programming interface (API), wherein the transaction data includes product identification data that includes product attribute information describing one or more attributes about the first product;
• and
• linking, based on the transaction data, the first physical purchase transaction with a first follow-on electronic transaction associated with a follow-on product, wherein the linking includes:
• generating a follow-on purchase offer for the follow-on product at a follow-on product price;
• including in the follow-on purchase offer, a selectable hyperlink associating the follow-on purchase offer with the user's financial service account that is selectable to enable automatic purchase of the follow-on product using the user's financial service account;
• providing the follow-on purchase offer to the user in an electronic message to a client device of the user, the selectable hyperlink of the offer being selectable within the electronic message by the user using the client device;
• provide follow-on purchase offer details in a pop-up window in response to a mouse over event associated with the selectable hyperlink;
• performing an electronic commerce purchase transaction for the follow-on product by applying the follow-on product price to the user's financial service account, automatically in response to a selection by the user of the selectable hyperlink of the follow-on purchase offer;
• and
• initiating fulfillment processes with the merchant, on behalf of the user, that enable the follow-on product to be shipped to the user at an address associated with the user's financial service account.

A computer-implemented method for providing offers for products, comprising:

• receiving, by one or more processors configured to execute software instructions to perform operations to link physical purchase transactions to electronic commerce follow-on purchase transactions, transaction data corresponding to a first product physically purchased at a merchant location using a financial service account of a financial service provider through an application programming interface (API);
• receiving, by the one or more processors, product identification data identifying the first purchased product;
• associating, by the one or more processors, the transaction data with the product identification data;
• determining, by the one or more processors, a consumer that purchased the first product based on at least the financial service account associated with the transaction data;
• determining, by the one or more processors, a follow-on product to offer for sale to the consumer based on the product identification data of the first product, the follow-on product being selected from a set of products offered by the merchant;
• generating, by the one or more processors, a follow-on purchase offer for the follow-on product, the follow-on purchase offer including a selectable hyperlink associated with the consumer's financial service account that is selectable to enable automatic purchase of the follow-on product using the consumer's linked financial service account;
• providing, by the one or more processors, the follow-on purchase offer to the consumer in an electronic message to a client device of the consumer, wherein the selectable hyperlink of the follow-on purchase offer is selectable by the consumer using the client device to enable the consumer to automatically purchase the follow-on product in an electronic commerce purchase transaction using the linked financial service account;
• providing follow-on purchase offer details in a pop-up window in response to a mouse over event associated with the selectable hyperlink;
• and
• initiating, automatically in response to receipt of an acceptance request generated upon selection of the selectable hyperlink, and on behalf of the consumer, an electronic commerce purchase transaction with the merchant for the follow-on product using the consumer's linked financial service account.

A mobile device of a user, including:

• one or more memories storing software instructions associated with a client side application of a financial service provider;
• and
• one or more processors configured to execute the software instructions to perform one or more operations for performing electronic commerce purchase transactions using a financial service account of the financial service provider, the operations including:
• receiving an electronic message including information relating to a follow-on purchase offer for a follow-on product relating to a first product previously purchased by the user using the financial service account at a merchant location associated with a merchant, wherein the follow-on product is available from the merchant and was identified by an offer provider system based on product identification data that was provided from a merchant system associated with the merchant, the product identification information including product attribute data describing one or more attributes of the product purchased from the merchant;
• providing a first interface to display, on a display device included in the mobile device, a user-selectable hyperlink associated with the follow-on purchase offer received in the electronic;
• receiving, from the user, a selection of the user-selectable hyperlink;
• providing a second interface to display on the display device the follow-on purchase offer, the follow-on purchase offer including a second user-selectable hyperlink associated with the user's financial service account that is selectable to enable automatic initiation of an electronic purchase of the follow-on product using the financial service account;
• providing follow-on purchase offer details in a pop-up window in response to a mouse over event associated with the user-selectable hyperlink;
• receiving, from the user, a second selection of the second user-selectable hyperlink to electronically purchase the follow-on product;
• and
• providing a third interface to display on the display device a confirmation message of the user's electronic purchase of the follow-on product and a message indicating that the follow-on purchase product will be sent to a designated address associated with the financial service account, wherein the offer provider system automatically initiated the electronic purchase with the merchant using the financial service account on behalf of the user in response to receipt of the second selection.