Systems and methods to provide real-time offers via a cooperative database

A non-transitory computer storage device storing instructions configured to instruct a computing apparatus to at least:

• store, in the computing apparatus, data representing an offer from a first merchant;
• generate, by the computing apparatus, a trigger record for the offer;
• monitor, by the computing apparatus, transactions to detect a first transaction between a user and a second merchant different from the first merchant, the first transaction to satisfy requirements identified in the trigger record to be detected;
• and
• transmit, by the computing apparatus and in real time with processing of authorization of the first transaction between the user and the second merchant, a message to the user to provide the offer from the first merchant.

A computing apparatus, comprising:

• at least one microprocessor;
• and
• memory storing instructions configured to instruct the microprocessor to perform operations, wherein the computing apparatus comprises:
• a transaction handler of a payment processing network;
• a data warehouse coupled with the transaction handler and configured to store data representing an offer from a first merchant;
• a portal coupled with the data warehouse and configured to generate a trigger record for the offer, the trigger record causing the transaction handler to monitor transactions and detect a first transaction between a user and a second merchant different from the first merchant, the first transaction to satisfy requirements identified in the trigger record to be detected;
• and
• a message broker coupled with the data warehouse to generate a message containing the offer for transmission to a communication reference of the user in real time with processing of authorization of the first transaction between the user and the second merchant.