Method, apparatus, and computer program product for facilitating promotions with an E-wallet

This invention describes a system where a major payment network operator helps merchants offer promotions to online shoppers. When a customer is checking out, the payment system automatically identifies them and their purchase details. It then checks a database for any relevant promotion codes or tokens the customer might have, and applies rules to see if those tokens are valid for the current purchase. If a token is applicable, the system sends it to the merchant *before* the customer pays, allowing the merchant to adjust the price immediately.

Why it matters: Filed when e-wallets were new and payment network APIs for real-time offers were less developed. Today, ubiquitous e-wallets and mature payment network APIs make real-time, personalized, pre-authorization promotions more feasible and expected.

Status: Not in forceListed as no longer active. The specific reason is not in the record we hold.
How hard to build: SpecializedPayment network integration, complex software logic, databases

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