Intelligent system and method of payment, finance, and social commerce

Abstract

A method, device, system, and computer program product relating to ecommerce, mcommerce, finance, community building, and social media is provided. A payment and social media commerce GobblinQ™ system provides substantial discounts and cash backs to users from merchants, manufacturers, and others. In an embodiment, a Merchant and/or Manufacturer can connect through the GobblinQ™ server to modify the database field regarding the amount of percentages payable and number of Gobbles™ available to Gobblers.

1 . A system, comprising:
 a primary unit, having a unique identifier, being associated with a database field having discount information for a merchant, is transmitted to a user processor;   a central controller processor which controls disbursement of the primary unit and access to the stored discount information associated with the primary unit, the central controller processor executing a software application to transmit the primary unit unique identifier to the user processor;   wherein the primary unit unique identifier residing at the user processor includes threshold values including at least one of: an availability period, a discount amount, a cashback amount, and a location of availability, such that an entity enters the entity's unique identifier code and enters a primary unit unique identifier into a merchant processor associated with a merchant, the merchant processor transmitting the primary unit unique identifier to the central controller processor to inform that the associated discount information should be credited to an account associated with the entity for the value of the associated discount information,   wherein when the purchase identifier associated with the primary unit is transmitted to the central controller, the central controller transmits that purchase identifier to a database field associated with the primary unit, the central controller then searches the database fields associated with the primary unit for instructions regarding a secondary unit, and upon obtaining, transmitting the secondary unit to the user processor, and   the secondary unit having a unique identifier and being associated with at least one of a discount and a cashback information, wherein upon a use of the secondary unit, the discount information is applied to the purchase and the cashback information is applied to the respective account associated with the entity.   
     
     
         2 . The system of  claim 1 , wherein the user processor transmits the secondary unit to a second user processor. 
     
     
         3 . The system of  claim 1 , wherein the entity transmits at least one secondary unit to a second entity, and when the second entity uses the at least one secondary unit, then a predetermined cashback value is credited to the entity's account and a predetermined discount value is credited to the entity's account. 
     
     
         4 . The system of  claim 3 , wherein transmissions between the central controller processor and the entity is at least one of text, telephone, email, and other digital means. 
     
     
         5 . The system of  claim 4 , wherein the discount is logged in a database, the primary unit having a unique identifier, the unique identifier being associated with a discount entry field in a database 
     
     
         6 . The system of  claim 4 , wherein the central controller processor executes an algorithmic relationship between entity features, in order to transform a numerical representation of the entity features into a value for comparison between at least two entities, wherein the larger value entity receives a tertiary unit. 
     
     
         7 . The system of  claim 1 , wherein the primary unit is considered used when the discount associated with the primary unit is used. 
     
     
         8 . The system of  claim 1 , wherein the at least one secondary unit has a unique identifier, the unique identifier being associated with a discount entry field in a database and a cashback entry field 
     
     
         9 . The system of  claim 1 , wherein the central controller processor is at least one of a mobile device, a smartphone, a computer, and a tablet. 
     
     
         10 . The system of  claim 1 , wherein the central controller processor is configured to receive an event request from the user processor or the merchant processor, and in response to receiving the event request, the central controller processor is configured to set up an event in which the merchant processor specifies at least one of a second availability period, a second discount amount, and a second cashback amount. 
     
     
         11 . The system of  claim 10 , wherein during the event which is the second availability period, the entity enters the entity's unique identifier code and enters a primary unit unique identifier into the merchant processor associated with the merchant, the merchant processor transmitting the primary unit unique identifier to the central controller processor to inform that the associated event discount information should be credited to the account associated with the entity for the value of the associated event discount information.