Applying mobile digital coupons at the point of sale

A method comprising:

• receiving, at a server, coupon data from a plurality of coupon providers, the coupon data specifying a plurality of different coupon offers for which the coupon server is to distribute digital coupons;
• receiving, at the server, registration data for a plurality of accounts, each account associated with one or more Near Field Communication tokens;
• the server storing account data associating different sets of one or more digital coupons for the plurality of different coupon offers with different accounts of the plurality of accounts;
• receiving, at the server, requests for digital coupon availability data, each particular request of the requests including a particular Near Field Communication token;
• responsive to each particular request of the requests:
• identifying a particular account associated with the particular request;
• identifying a set of one or more digital coupons associated with the particular account;
• and sending particular digital coupon availability data in response to the particular request, the particular digital coupon availability data specifying the set of one or more digital coupons;
• wherein the method is performed by one or more computing devices.

A method comprising:

• receiving, at a server, registration data for a plurality of payment accounts, each payment account associated with one or more Near Field Communication tokens;
• receiving, at the server, transaction requests from a plurality of different retailers to complete transactions at a plurality of different points-of-sale operated by the plurality of different retailers;
• wherein each particular transaction request of the plurality of transaction requests includes particular transaction information specifying particular basket data comprising one or more item identifiers involved in a particular transaction associated with the particular transaction request, and a particular Near Field Communication token;
• responsive to each particular transaction request of the plurality of transaction requests, the server:
• sending the particular Near Field Communication token corresponding to the particular transaction request to a coupon server;
• receiving, from the coupon server, data describing one or more digital coupons associated with the particular Near Field Communication token;
• identifying at least a particular digital coupon of the one or more digital coupons to apply to the particular transaction information;
• calculating a total transaction amount based on applying at least the particular digital coupon to the particular transaction information;
• and
• causing a particular retailer that sent the particular transaction request to receive funds based on the calculated total transaction amount;
• wherein the method is performed by one or more computing devices.

A system comprising:

• a coupon server, executing at a first set of one or more computing devices, configured to:
• receive coupon data from a plurality of coupon providers, the coupon data specifying a plurality of coupon offers for which the coupon server distributes digital coupons;
• and provide digital coupons for one or more selected coupon offers of the plurality of coupon offers in response to coupon requests received over one or more networks;
• a payment server, executing at a second set of one or more computing devices, configured to:
• receive payment requests over the one or more networks, the payments requests indicating amounts to charge particular payment accounts;
• and respond to the payment requests over the one or more networks with responses indicating whether each particular payment request was authorized;
• wherein the coupon server and the payment server are further configured to receive, in particular requests over the one or more networks, particular token data sensed in wireless signals during transactions at terminals belonging to a plurality of different retailers;
• one or more database systems storing mapping data that associates token data with payment accounts and coupon accounts;
• wherein the coupon server is further configured to, for each particular coupon request of a plurality of the coupon requests:
• identify a coupon account associated with particular token data included in the particular coupon request;
• select one or more coupon offers associated with the account;
• and respond to the particular coupon request with digital coupon information for the one or more coupon offers associated with the account;
• wherein the payment server is further configured to, for each particular payment request of a plurality of the payment requests:
• identify a payment account associated with particular token data included in the particular payment request;
• and based on the payment account, determine whether to authorize a transaction associated with the particular payment request.