System and method for offering and fulfilling situation-based, location specific rewards and offers to mobile-oriented consumers

A system for transmitting an advertisement to a user computing device and completing a transaction associated with the advertisement, the system comprising:

• a processor;
• a first module that controls the processor to receive situation information;
• a second module that controls the processor, based on the situation information, to transmit an advertisement to the user computing device, wherein the advertisement is (1) associated with an identification card, (2) transmitted independent of any user solicitation for a communication and independent of a request for a product or a service, and (3) configured such that no user interaction with the user computing device is necessary to redeem a coupon associated with the advertisement;
• and
• a third module that controls the processor to receive an indication at a point of sale device of a purchase associated with the advertisement transmitted to the user computing device and completed using the identification card on the point of sale device, wherein the user computing device differs from the point of sale device and wherein the purchase is at full price and a rebate associated with the coupon is made to the user on an identification card statement.

A computer-implemented method of providing an advertisement to a user computing device and managing a user purchased based on the advertisement, the method comprising:

• receiving via a processor situational information associated with a user, the situational information being independent of manual user input to the user computing device;
• based on the situational information, transmitting via a processor an advertisement with a discount from a full-price to the user computing device from a computer system, wherein the advertisement is (1) associated with a purchasing card of the user, (2) transmitted independent of any user solicitation for a communication and independent of a request for a product or a service, and (3) configured such that no user interaction with the user computing device is necessary to redeem the discount;
• receiving an indication of a user purchase completed with the purchasing card at a point of sale device that is different from the user computing device, the purchase associated with the advertisement transmitted to the user computing device, wherein the discount associated with the user purchase is processed by the computer system, and the purchase at the point of sale is at full price;
• and
• transmitting a purchasing card statement including a rebate associated with the discount being made to the user for the purchase.