Methods and systems for applying promotions to payment transactions

A network-based system for applying promotion codes to a payment transaction associated with a cardholder using a payment card over a payment card network, the network-based system comprising:

• a remote computing device communicatively coupled to a server associated with the payment card network and comprising:
• a memory;
• and
• one or more remote processors programmed to:
• receive, for installation on the remote computing device, a promotion application provided by the server;
• store the promotion application on the remote computing device;
• register, on the remote computing device, cardholder information associated with the cardholder, wherein the cardholder information includes payment card information for the payment card;
• automatically associate, at the remote computing device, the cardholder information with the promotion application;
• trigger a near field communication (NFC) interaction with a promotion data source, wherein the promotion data source includes merchant information associated with at least one merchant and a list of available promotions offered to the cardholder, and wherein the list of available promotions is unique for the cardholder;
• transmit the cardholder information from the remote computing device to the promotion data source in response to the triggering NFC interaction between the remote computing device and the promotion data source, wherein the promotion data source is configured to transmit the list of available promotions offered to the cardholder in response to receiving the cardholder information;
• receive, at the remote computing device the list of available promotions from the promotion data source, each of the available promotions of the list of available promotions including an associated (i) transaction qualification, and (ii) promotion code;
• automatically update the promotion application to include the received list of available promotions, wherein receipt of the list of available promotions causes the promotion application to display, on the remote computing device, the the list of available promotions;
• transmit, to the server, a selection of at least one available promotion of the list of available promotions, the at least one available promotion inputted into the remote computing device via the promotion application, the selected at least one available promotion including the associated transaction qualification and promotion code;
• and
• initiate the payment transaction with the at least one merchant, the payment transaction associated with the selected at least one available promotion.

A non-transitory computer readable medium storing a promotion application for applying promotion codes to a payment transaction associated with a cardholder using a payment card over a payment card network, the promotion application comprising computer-executable instructions that, when executed by one or more processors, cause the one or more processors to:

• install the promotion application on a remote computing device, the promotion application received from a server system;
• store the promotion application on the remote computing device;
• register, at the remote computing device, cardholder information associated with the cardholder, wherein the cardholder information includes payment card information for the payment card;
• automatically associate, at the remote computing device, the cardholder information with the promotion application;
• trigger a near field communication (NFC) interaction with a promotion data source, wherein the promotion data source includes merchant information associated with at least one merchant and a list of available promotions offered to the cardholder, and wherein the list of available promotions is unique for the cardholder;
• transmit the cardholder information from the remote computing device to the promotion data source in response to the triggering NFC interaction between the remote computing device and the promotion data source, wherein the promotion data source is configured to transmit the list of available promotions offered to the cardholder in response to receiving the cardholder information;
• receive, at the remote computing device, a list of available promotions, each available promotion of the list of available promotions including an associated (i) transaction qualification, and (ii) promotion code;
• automatically update the promotion application to include the received list of available promotions, wherein receipt of the list of available promotions causes the promotion application to display, on the remote computing device, the the list of available promotions;
• transmit, to the server system, a a selection of at least one available promotion of the list of available promotions, the at least one available promotion inputted into the remote computing device via the promotion application, the selected at least one available promotion including the associated transaction qualification and promotion code;
• and
• initiate, the payment transaction with the at least one merchant, the payment transaction associated with the selected at least one available promotion.