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

Abstract

A transaction qualification service, based on rules from an offers registry database, determines whether at least one promotion code is applicable to an on-line transaction. If so, the at least promotion code is provided to a merchant, prior to payment card authorization, clearing, and settlement for the on-line transaction. The at least one promotion code includes an alphanumeric character sequence that is not visible to the consumer.

What is claimed is: 
     
         1 . A method comprising the steps of:
 obtaining, by an electronic wallet platform, from a check-out web page of a merchant:
 an indication that a given consumer, of a plurality of consumers, who is purchasing at least one item from said merchant in an on-line transaction, wishes to utilize said electronic wallet platform to pay for said on-line transaction, 
 a unique identification of said given consumer, and 
 associated transaction data; 
 wherein said electronic wallet platform comprises an electronic wallet platform module executing on a server, said electronic wallet platform storing information for a plurality of payment card accounts from which said given consumer can choose to pay for said on-line transaction; 
   supplying, said electronic wallet platform, to a transaction qualification service, said unique identification of said given consumer;   retrieving, said transaction qualification service, from a consumer enrollment database, a record wherein at least one promotion code is stored in association with said unique identification of said given consumer;   determining, by said transaction qualification service, based on rules from an offers registry database, whether said at least one promotion code is applicable to said on-line transaction, said rules being stored in said offers registry database in association with said at least one promotion code, said rules taking into account at least one of said unique identification of said given consumer and said associated transaction data in determining said applicability; and   if, based on said determining step, said at least one promotion code is applicable to said on-line transaction, providing said at least promotion code to said merchant, using said transaction qualification service and said electronic wallet platform, said at least one promotion code being provided to said merchant prior to payment card authorization, clearing, and settlement for said on-line transaction, said at least one promotion code comprising an alphanumeric character sequence that is not visible to said given consumer.