Product substantiation using approved product list system and method

A method of substantiating product purchases during promotion redemption comprising:

• a) at the retail store system, reading a user identifier presented by a first user;
• b) at the retail store system, determining a plurality of purchased products for the first user identified by the first card;
• c) at the retail store system, comparing the list of purchased products with a first list of approved products with available promotions to create a filtered list of purchased products with available promotions;
• d) at the retail store system, submitting the filtered list to a remote server along with an account identifier determined from the card identifier;
• e) receiving from the remote server a list of applied discounts that were calculated at the remote server based on the filtered list and the account identifier;
• f) at the retail store system, applying the list of applied discounts to the purchase of the plurality of purchased products to reduce the amount paid by the first user for the purchased products.

A method of substantiating product purchases during promotion redemption comprising:

• a) at a server system, transmitting a first list of approved products to a first retail store system, the list of approved products indicating products for which promotions are currently active;
• b) at the server system, receiving from the first retail store system a first list of purchased products that has been filtered by the first retail store system according to the list of approved products;
• c) at the server system, receiving from the first retail store system a first user identifier;
• d) at the server system, determining a first account from the first user identifier;
• e) at the server system, determining available promotions available for the first account;
• f) at the server system, calculating discounts for the first list of purchased products based on the available promotions;
• g) at the server system, transmitting the calculated discounts to the first retail store system.

A method of substantiating product purchases during promotion redemption comprising:

• a) at the server system, receiving from a plurality of different merchants a discount request, each discount request including:
• i) a purchased product list,
• ii) a merchant identifier uniquely identifying one of the plurality of merchants, and
• iii) a user identifier;
• b) for each discount request:
• i) at the server system, determining a user accounts for the user identifier;
• ii) at the server system, determining available promotions available for the user account at the merchant identified by the merchant identifier;
• iii) at the server system, calculating discounts for the purchased product list for the available promotions;
• iv) at the server system, transmitting the calculated discounts to the merchant.