Point of sale coupon systems and methods

A system for providing incentives, the system comprising:

• a host computer comprising a processor and computer-readable storage, the computer-readable storage holding a database and program instructions, the host computer executing the instructions to
• receive transaction information gathered at a point of sale system, the transaction information relating to a transaction performed by a consumer at a merchant, wherein the transaction information comprises a consumer account identifier identifying an account from which payment is to be made for the transaction, and also comprises a merchant identifier identifying the merchant;
• recognize that the combination of the merchant identifier and the consumer account identifier qualifies for an incentive offer;
• transmit a description of the incentive offer to be offered to the consumer at the point of sale;
• receive an indication that the consumer has accepted the offer at the point of sale for the transaction;
• and
• record in the database an indication that the offer is pending for the combination of consumer account identifier and merchant identifier.

A method of providing incentives, the method comprising:

• receiving, at a host computer, transaction information gathered at a point of sale system, the transaction information relating to a transaction performed by a consumer at a merchant, wherein the transaction information comprises a consumer account identifier identifying an account from which payment is to be made for the transaction, and also comprises a merchant identifier identifying the merchant, and also comprises at least one product identifier identifying a product purchased in the transaction;
• recognizing, using the host computer, that the combination of the merchant identifier and the consumer account identifier and the product identifier qualifies for an incentive offer;
• transmitting, by the host computer, a description of the incentive offer to be offered to the consumer at the point of sale;
• receiving, at the host computer, an indication that the consumer has accepted the offer at the point of sale for the transaction;
• and
• recording, in a database maintained by the host computer, an indication that the offer is pending for the combination of consumer account identifier and merchant identifier and product identifier.

A method of providing incentives, the method comprising:

• receiving, at a host computer, transaction information gathered at a point of sale system, the transaction information relating to a transaction performed by a consumer at a merchant, wherein the transaction information comprises a consumer account identifier identifying an account from which payment is to be made for the transaction, and also comprises at least one product identifier identifying a product purchased in the transaction;
• recognizing, using the host computer, that the combination of the consumer account identifier and the product identifier qualifies for an incentive offer;
• transmitting, by the host computer, a description of the incentive offer to be offered to the consumer at the point of sale;
• receiving, at the host computer, an indication that the consumer has accepted the offer at the point of sale for the transaction;
• and
• recording, in a database maintained by the host computer, an indication that the offer is pending for the combination of consumer account identifier and product identifier.