Method for electronic coupon creation, deployment, transference, validation management, clearance, redemption and reporting system and and method for interactive participation of individuals and groups with coupons

A computer implemented, opt-in incentive transaction method wherein a consumer designates an incentive receiving device comprising:

• a. generating an incentive for a particular product and/or service available to either a targeted or an open consumer base, the incentive comprising at least a plurality of redemptive action requirements wherein one requirement is obtaining the incentive prior to the transaction;
• b. processing the incentive;
• c. storing and aggregating a plurality of incentives to the consumer for a number of particular products and/or services in at least one storage device;
• d. storing processor-executable instructions for use with the generated incentive;
• e. controlling at least one processor to execute the instructions and to deliver the incentive to the consumer incentive receiving device and associating it with a consumer's financial account prior to the transaction;
• f. generating an associated consumer-merchant identifier to the incentive;
• g. storing the consumer-merchant identifier associated with the incentive;
• h. obtaining at least one consumer unique, financial identifier at a point-of-sale device without presenting of the generated incentive at the point-of-sale device;
• i. receiving data from a point-of-sale device reporting a consumer-merchant transaction;
• j. transmitting the consumer unique identifier and the transaction redemption action to an acquiring processor;
• k. comparing the consumer-merchant transaction identifier financial identifier and transaction redemption action with the consumer-merchant transaction and the incentive for the particular product and/or service by the acquiring processor at a location other than the point-of-sale device;
• and,
• l. crediting the incentive by the acquiring processor to the consumer-merchant transaction to the consumer's financial account at a location other than the point-of-sale device in accordance with the consumer's pre-established, non-point-of-sale instructions.

A computer implemented, opt-in incentive transaction method comprising:

• a. designating an incentive receiving device to receive a variable incentive for a particular product and/or service available to either a targeted or an open consumer base, the variable incentive comprising at least a plurality of redemptive action requirements wherein one requirement is obtaining the incentive prior to a transaction;
• b. processing the variable incentive;
• c. storing and aggregating a plurality of incentives to the consumer for a number of particular products and/or services
• d. storing processor-executable instructions;
• e. controlling at least one processor to execute the instructions to deliver the selected incentive to the consumer incentive receiving device and associating it with a consumer's financial account prior to the transaction;
• f. generating an associated consumer-merchant identifier to the selected incentive;
• g. storing the consumer-merchant identifier associated with the selected incentive;
• h. obtaining at least one consumer unique, financial identifier associated with the consumer's financial account at a point-of-sale device without presenting of the generated incentive at the point-of-sale device;
• i. receiving data from a point-of-sale device reporting a consumer-merchant transaction;
• j. transmitting the consumer unique identifier and the transaction redemption action to an acquiring processor;
• k. comparing the consumer-merchant transaction identifier, consumer unique identifier and transaction redemption action and the incentive for the particular product and/or service by an acquiring processor at a location other than the point-of-sale device with the consumer-merchant transaction;
• and,
• l. crediting, by the acquiring processor, the selected incentive to the consumer-merchant transaction to the consumer's financial account in accordance with the consumer's pre-established, non-point-of-sale instructions.