Patent ID: 8554609
Filing Date: 2013-10-08
Classification: G06Q

Abstract:
1. A paperless coupon system comprising: a registration component that registers at least one of a credit, charge, or debit card to an offeree with an offeree user account, and optionally, registers the offeree user account with a separate offeree deposit account; a coupon generation component that generates coupons comprising promotional offers and discounts applicable to items or services after they have been purchased without pre-selection by a user, wherein the coupons are issued by at least one of an issuer of the at least one credit, charge, or debit card, by an acceptor of the at least one credit, charge, or debit card, and by partners of the issuer of the at least one credit, charge, or debit card or acceptor of the at least one credit, charge, or debit card, wherein the coupons are sourced by a network of cooperative databases corresponding to multiple manufacturers and service providers; and a redemption component comprising at least one of a credit card or debit card communication network that identifies the items or services which have been purchased using the at least one registered credit, charge, or debit card and that applies the corresponding coupon to the items or services after purchase of the items or services in any one of the following manners: as a deposit or credit to the offeree user account; or as a deposit or credit into the offeree deposit account; wherein the coupons linked thereto are for redemption at multiple different retailers where the at least one credit, charge, or debit card is accepted for payment.