Methods and systems for dynamically generating coupons associated with presentation instruments

Abstract

This disclosure describes, generally, methods and systems for dynamically generating coupons. The method may include associating a coupon value with a manufacturer's offer onto a presentation instrument. The presentation instrument may include a barcode to store terms of the manufacturer's offer and a storage device to store coupon value information. The method may further include distributing the presentation instrument to a customer, scanning the barcode to verify the terms of the offer have been fulfilled, and presenting the presentation instrument to a merchant to access the coupon value information stored on the storage device. Furthermore, the method includes receiving funds in the amount of the coupon value from the manufacturer, and transferring the received funds to the merchant.

1 . (canceled) 
     
     
         2 . A computer-implemented method, comprising:
 receiving, by a computing system, a request to register an instrument that has an initial coupon value associated therewith, wherein the request includes at least one of demographic information, personal information, historical spending information, and survey information associated with a particular individual; and   increasing, by the computing system based on the received request, the initial coupon value associated with the instrument to a value greater than the initial coupon value as incentive for the particular individual to register the instrument.   
     
     
         3 . The method of  claim 2 , further comprising receiving authorization to increase the initial coupon value associated with the instrument to the value greater than the initial coupon value. 
     
     
         4 . The method of  claim 2 , further comprising sending to a mobile device associated with the particular individual a message that indicates a coupon value expiration date. 
     
     
         5 . The method of  claim 2 , wherein the instrument is one of a tangible instrument and a nontangible instrument. 
     
     
         6 . The method of  claim 2 , further comprising sending to a mobile device associated with the particular individual a message that indicates availability of an offer associated with the instrument. 
     
     
         7 . The method of  claim 2 , further comprising sending to a mobile device associated with the particular individual a message that indicates availability of a loyalty offer associated with the instrument based on usage of the instrument by the particular individual. 
     
     
         8 . The method of  claim 2 , wherein the request includes a username and a password associated with the particular individual. 
     
     
         9 . The method of  claim 2 , wherein the request includes at least one of email address, residential address phone number, date of birth, ethnicity, occupation, salary, and household occupancy associated with the particular individual. 
     
     
         10 . The method of  claim 2 , further comprising sending to a manufacturer computing system the at least one of the demographic information, personal information, historical spending information, and survey information associated with the particular individual. 
     
     
         11 . The method of  claim 2 , further comprising receiving from a manufacturer computing system information associated with a particular coupon offer. 
     
     
         12 . The method of  claim 11 , further comprising generating a number of instruments for distribution based on the information associated with the particular coupon offer. 
     
     
         13 . The method of  claim 12 , further comprising transmitting a request to the manufacturer computing system to associate a particular coupon value with the number of instruments for distribution. 
     
     
         14 . The method of  claim 13 , further comprising receiving indication of a coupon value amount and an account number assigned to each of the number of instruments for distribution. 
     
     
         15 . The method of  claim 2 , wherein the instrument comprises at least one of a form factor card, a stored value card, a prepaid credit card, and a mobile device. 
     
     
         16 . The method of  claim 2 , further comprising receiving the request from a website over a network. 
     
     
         17 . The method of  claim 2 , wherein the instrument includes a barcode that is encoded with information associated with a particular coupon. 
     
     
         18 . The method of  claim 2 , wherein the instrument includes a magnetic strip that is encoded with information associated with a particular coupon. 
     
     
         19 . The method of  claim 2 , wherein the instrument includes a description of one or more steps to complete a registration process. 
     
     
         20 . The method of  claim 2 , further comprising associating another coupon value with the instrument different than the value greater than the initial coupon value. 
     
     
         21 . The method of  claim 2 , wherein the request includes an identifier that is associated with the instrument.