US Patent 10909561 Systems and methods for democratized coupon redemption

Systems and methods for offer redemption are provided. In some embodiments, payment data for a product is received via a payment gateway, along with an identifier unique to the payer. This payer identifier is correlated to a database associated with household IDs that have been collected from loyalty programs, pharmacy data and payment collected at a retailer. When the identifier has been associated with a household ID the system may identify applicable promotions that are associated with that household. The details of the offer/promotion are sent back to the point of sale where they are applied to the transaction. Once this is confirmed the adjusted payment is processed and the promotion is cleared from the database.