METHOD AND APPARATUS FOR REAL-TIME, INDIVIDUALLY-TARGETED PROMOTIONS

摘要

A promotional system is provided which provides a user with human readable and machine readable message responses to transactions in which the responses are formed by a transaction unit and based upon the user's present transaction while taking into account the user transaction history, the responses including calculations based on a set of promotional program rules to form a message response for the user and without the need for the transaction unit to communicate with a central memory or processing unit.