Facilitating consumer payments and redemptions of deal offers

A method of securing a transaction by a point-of-sale (POS) device connected with a remote system over a network, comprising:

• receiving by the point-of-sale device, payment transaction data, including a product price associated with the transaction;
• receiving, by the POS device, an indication of a payment tender, including payment account identifier data;
• transmitting, by the POS device, payment account identifier data to a remote system via the network without transmitting deal voucher identifier data;
• transmitting, by the remote system, the payment account identifier data to a promotional machine configured for determining whether the payment account identifier data was utilized in a purchase of a deal voucher that was not presented with the payment account identifier data earlier in the process and subsequently received without also receiving deal voucher identifier data from the merchant system;
• in response to transmitting the payment account identifier data, and determining that the payment account identifier was utilized in a purchase of a deal voucher that was not presented with the payment account identifier data and was subsequently received without receiving the deal voucher identifier data from the merchant system, and before a completion of the transaction, receiving, by the POS device, deal voucher data associated with the payment account identifier data from the remote system and via the network, the deal voucher data including a monetary discount value currently associated with a deal voucher that the remote system determines was purchased using a payment account identified by the payment account identifier data, wherein the payment account identifier data is associated with the deal voucher data in one or more databases of the remote system;
• in response to receiving the deal voucher data indicating that the deal voucher was purchase using the payment account identified by the payment account identifier data, generating, by the POS device, an amount due value by subtracting the monetary discount value from the product price;
• receiving an offer to purchase and redeem a second deal voucher toward the amount due value of the transaction from the remote system via the network, wherein the second deal voucher is configured such that the second deal voucher must be purchased before a value associated therewith can be applied to a transaction, the second deal voucher has not been purchased by the payment account,
• transmit an indication to purchase the second deal voucher with the payment account identified by the payment account identifier to the remote system via the network;
• and
• facilitating, by the POS device, settlement of the payment tender using the payment account used to purchase the deal voucher while applying the second deal voucher to the facilitation of the transaction.

An apparatus connected with a merchant system via a network for securing a transaction over the network, comprising at least one processor and at least one memory including computer program instructions, the at least one memory and the computer program instructions configured to, with the at least one processor, cause the apparatus to at least:

• receive payment account identifier data to be used for the transaction from the merchant system via the network;
• receive payment transaction data indicating a product from the merchant system via the network;
• transmitting the payment account identifier data to a promotional machine configured for determining whether the payment account identifier data was utilized in a purchase of a deal voucher that was not presented with the payment account identifier data earlier in the process and subsequently received without also receiving deal voucher identifier data from the merchant system;
• in response to determining that the payment account identifier was utilized in a purchase of a deal voucher that was not presented with the payment account identifier data and was subsequently received without receiving the deal voucher identifier data from the merchant system, retrieve voucher data associated with a deal voucher from one or more databases based on the payment account identifier data, wherein the deal voucher data stored in the one or more databases includes associations of stored deal vouchers with stored payment account identifier data that identify payment accounts used to purchase the stored deal vouchers;
• before a completion of the transaction, determine, whether the payment account identifier data is associated with a payment account used to purchase the deal voucher based on the voucher data retrieved from the one or more servers;
• and
• in response to determining that the payment account identifier data is associated with the payment account used to purchase the deal voucher:
• determine a current monetary value of the deal voucher;
• transmit deal voucher data, including at least the current monetary value of the deal voucher, to the merchant system via the network;
• and
• process the transaction using the payment account used to purchase the deal voucher;
• determine whether the product is associated with a second deal voucher that has not been purchased by the payment account identified by the payment account identifier data;
• in response to determining that the product is associated with the second deal voucher configured such that the second deal voucher must be purchased before a value associated therewith can be applied to a transaction, the second deal voucher having not been purchased by the payment account, transmit an offer for the second deal voucher to the merchant system;
• providing an offer to purchase the second deal voucher and redeem the second deal voucher towards the product in the transaction;
• receive an indication to purchase the second deal voucher with the payment account identified by the payment account identifier;
• and
• in response to receiving the indication to purchase the second deal voucher, apply the second deal voucher to the processing of the transaction.

An apparatus for securing a transaction over a network, comprising at least one processor and at least one memory including computer program instructions, the at least one memory and the computer program instructions configured to, with the at least one processor, cause the apparatus to at least:

• receive payment transaction data, including a product price, to be used for the transaction;
• receive an indication of a payment tender, including payment account identifier data;
• transmit payment account identifier data to a remote system via the network without transmitting any deal voucher identifier data;
• transmit, by the remote system, the payment account identifier data to a promotional machine configured for determining whether the payment account identifier data was utilized in a purchase of a deal voucher that was not presented with the payment account identifier data earlier in the process and subsequently received without also receiving deal voucher identifier data from the merchant system;
• in response to transmitting the payment account identifier data, and determining that the payment account identifier was utilized in a purchase of a deal voucher that was not presented with the payment account identifier data and was subsequently received without receiving the deal voucher identifier data from the merchant system, and before a completion of the transaction, receive deal voucher data associated with the payment account identifier data from the remote system and via the network, the deal voucher data including a monetary discount value currently associated with a deal voucher that the remote system determines was purchased using a payment account identified by the payment account identifier data;
• generate an amount due value by subtracting the monetary discount value from the product price;
• receive an offer to purchase and redeem a second deal voucher toward the amount due value of the transaction from the remote system via the network, wherein the second deal voucher is configured such that the second deal voucher must be purchased before a value associated therewith can be applied to a transaction, the second deal voucher has not been purchased by the payment account, and transmit an indication to purchase the second deal voucher with the payment account identified by the payment account identifier to the remote system via the network;
• and
• facilitate settlement of the payment tender using the payment account used to purchase the deal voucher while applying the second deal voucher to the facilitation of the transaction.