Patent ID: 8275657

Claim:
A method of generating and redeeming a plurality of coupons, the method comprising: generating a first coupon including: selecting a first group of offers from a plurality of offers based on prior purchasing behavior of a first consumer such that the first group of offers is individually customized to the first consumer, and printing a first bar code identifying a first account and indicating that the first coupon relates to the first group of offers, wherein the first account includes a status of each of the first group of offers and is associated with the first consumer; generating a second coupon including: selecting a second group of offers from the plurality of offers based on prior purchasing behavior of a second consumer such that the second group of offers is individually customized to the second consumer, and printing a second bar code identifying a second account and indicating that the second coupon relates to the second group of offers, wherein the second account includes a status of each of the second group of offers and is associated with the second consumer; distributing the first coupon to the first consumer; and distributing the second coupon to the second consumer; wherein: each of the plurality of offers is redeemable for a discount on a corresponding one of a plurality of products offered for sale, and the first group of offers differs from the second group of offers, the first account is associated with a first financial instrument used by the first consumer, and the second account is associated with a second financial instrument used by the second consumer, the method further comprising: gathering data regarding prior purchases made by the first consumer using the first financial instrument to define the prior purchasing behavior of the first consumer, saving the prior purchasing behavior of the first consumer to a first consumer profile in a database, gathering data regarding prior purchases made by the first consumer using the second financial instrument to define the prior purchasing behavior of the second consumer, and saving the prior purchasing behavior of the second consumer to a second consumer profile in the database.