Patent ID: 8688512

Claim:
A computer system for managing electronic transactions, comprising: a server computer system including: a processor; a computer-readable medium connected to the processor; a network interface device connected to the processor; and a set of instructions on the computer-readable medium, the set of instructions being executable by the processor and including: a data store; a plurality of consumer accounts in the data store, each consumer account having a first consumer account identifier; a plurality of merchant accounts stored in the data store, each merchant account having a merchant account identifier; a plurality of voucher entries, each voucher entry being stored in the data store in association with the merchant account having the respective merchant account identifier and a respective discount; a push module associating the voucher entry with the consumer account identifier; a communication and routing module that receives a charge request over the network interface device, the charge request including a merchant account identifier and a second consumer account identifier and identifies a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier; a voucher redemption system that utilizes the merchant account received in the charge request to identify a selected one of the merchant accounts having the same merchant account identifier as the merchant account identifier in the charge request and identify one of the voucher entries in the selected merchant account identifier and the discount of the voucher entry that has been identified; and a transaction processing system that processes the charge request based on the discount of the voucher entry that has been identified and records a transaction in the selected consumer account.