SYSTEMS AND METHODS FOR REDEEMING DISCOUNTS

摘要

A system and method are provided to collect a user's coupons or discount vouchers. In particular, coupons or discount vouchers may be collected by scanning the paper coupon or discount vouchers. Further, digital coupons or discount vouchers may be collected by searching through a user's communication history, including electronic mails, text messages, browsing history, and the like. The collected coupons or discount vouchers are stored in a depository. The system may search the depository for coupons or discount vouchers that are applicable to a purchase that is about to be made or has been made. The system may redeem the applicable coupons or discount vouchers for the purchase.

主权项

1. A system comprising:
a hardware memory storing information about a payment account of a user; one or more processors in communication with the memory and adapted to:
receive a payment request for a purchase made using the payment account of the user;access emails and/or text messages for the user;determine an incentive from the emails and/or the text messages applicable for the purchase; andprocess the payment request using the incentive.