Electronic coupon issuance and redemption apparatuses, methods and systems

A virtual prepaid coupon account issuance system, comprising:

• a processor;
• and
• a memory disposed in communication with the processor and storing processor issuable instructions to:
• generate in accordance with the inventory request one or more account identifiers;
• transmit the generated account identifiers to the coupon program manager;
• receive an issue request, along with purchase information, from the coupon program manager, the purchase information including one or more purchase identifiers corresponding to one or more buyers;
• determine in response to the issue request if the received purchase information satisfies the virtual coupon issue criteria;
• and
• if the received purchase information satisfies the virtual coupon issue criteria, issuing one or more virtual coupons having the one or more account identifiers;
• and
• transmit the issued virtual cards to the coupon program manager.

A processor-readable tangible medium storing processor-issuable virtual prepaid coupon account issuance instructions to:

• generate in accordance with the inventory request one or more account identifiers;
• transmit the generated account identifiers to the coupon program manager;
• receive an issue request, along with purchase information, from the coupon program manager, the purchase information including one or more purchase identifiers corresponding to one or more buyers;
• determine in response to the issue request if the received purchase information satisfies the virtual coupon issue criteria;
• and
• if the received purchase information satisfies the virtual coupon issue criteria, issuing one or more virtual coupons having the one or more account identifiers;
• and
• transmit the issued virtual cards to the coupon program manager.

A virtual prepaid coupon account authorization system, comprising:

• an issuer processor;
• and
• a memory disposed in communication with the processor and storing processor-issuable instructions to:
• receive the coupon authorization request from the transaction processor;
• determine based on the coupon program identifier if the coupon is authorized for redemption at the merchant;
• and
• if the value associated with the coupon program identifier is sufficient for redemption, approve the coupon for redemption based on the determination.

A virtual coupon issuance analysis processor-implemented method, comprising:

• obtaining a virtual coupon issuance analysis request associated with a virtual coupon issuance;
• selecting a first virtual prepaid coupon account used to redeem the virtual coupon issuance;
• determining a first card-based financial account associated with the first virtual prepaid coupon account;
• aggregating first card transaction data records from the first card-based financial account;
• determining a first coupon redemption date of the first virtual coupon issuance;
• and
• calculating a first number of transactions before and post the first coupon redemption date using the first card transaction data records.

A virtual coupon issuance analysis system, comprising:

• a processor;
• and
• a memory disposed in communication with the processor and storing processor-issuable instructions to:
• obtain a virtual coupon issuance analysis request associated with a virtual coupon issuance;
• select a first virtual prepaid coupon account used to redeem the virtual coupon issuance;
• determine a first card-based financial account associated with the first virtual prepaid coupon account;
• aggregate first card transaction data records from the first card-based financial account;
• determine a first coupon redemption date of the first virtual coupon issuance;
• and
• calculate a first number of transactions before and post the first coupon redemption date using the first card transaction data records.