Patent ID: 8799060

Claim:
A computer implemented, opt-in incentive transaction method wherein a consumer designates an incentive receiving device comprising: a. generation of an incentive for a particular product and/or service comprising at least a plurality of redemptive action requirements wherein one requirement is a transaction; b. computer processing the generated 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 the incentive with a consumer's financial account prior to the transaction; f. obtaining at least one consumer unique, financial identifier at a point-of-sale device associated with the consumer's financial without presenting of the generated incentive at the point-of-sale device; g. receiving data from the point-of-sale device reporting the transaction associated with the incentive; h. transmitting the consumer unique identifier and the transaction redemption action to an acquiring processor; i. comparing the identifier, transaction and transaction redemptive action with the redemptive action requirements and the incentive for the particular product and/or service by the acquiring processor at a location other than the point-of-sale device, determining whether the redemptive action requirements have been satisfied by the correct consumer; and k. applying the incentive, by the acquiring processor, to the consumer's financial account in accordance with the consumer's pre-established, non-point-of-sale instructions at a location other than the point-of-sale device.