CONSUMER OFFER REDEMPTION METHODS AND SYSTEMS

摘要

A computer-implemented offer redemption method presents and processes offers to consumers by linking offers from businesses directly to payment account of a consumer, and allows for sharing of consumer information between different card link offer providers. The computer-implemented offer redemption method includes the steps of: presenting an offer to a consumer from an offering business; receiving activation of the offer from the consumer prior to the consumer purchasing the product or service and storing it in the computer storage system; determining whether the consumer is a registered user by searching a database of the offering business; if the consumer is not registered with the offering business, asking the user for a unique identifier; and searching a cooperative computer card link offer ("CLO") network for consumer data that matches the unique identifier to determine if the consumer has previously registered with any other CLO business.