Patent ID: 7870022

Claim:
A computer-implemented method of transmitting an advertisement to a user computing device and completing a transaction associated with the advertisement, the method comprising: receiving via a processor situation information; based on the situation information, transmitting via a processor 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 receiving 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 at a point of sale is at full price and a rebate associated with the coupon is made to the user on an identification card statement.