Patent ID: 8401894

Claim:
A method of managing incentives for online transactions, the method comprising: maintaining, by a payment service provider server, a plurality of user accounts comprising user financial information of one or more particular users; receiving, by the payment service provider server, incentive information over a network, wherein the incentive information identifies incentives created by a merchant server or a multiple merchant server and are associated with a plurality of online marketplaces to be offered to the one or more particular users; storing, by the payment service provider server, the incentive information in a plurality of incentive records; associating, by the payment service provider server, each of the incentive records with at least one of the user accounts in response to the received incentive information; and serving, by the payment service provider server, the incentive information of at least one of the incentive records associated with the one of the user accounts over the network, wherein the one or more particular users conduct a transaction with the merchant server or the multiple merchant server using the incentive information created by the merchant server or the multiple merchant server.