Automatic redemption of digital offers with deferred payment

Abstract

In an embodiment, a computer-implemented method comprises receiving, at a server computer, offer activation request data, the offer activation request data including a loyalty card number and an identification of a digital offer, the digital offer associated with a discount amount; querying, by the server computer, a digital data repository to seek a data record matching the loyalty card number; in response to determining that the data repository has a record matching the loyalty card number, electronically activating the digital offer associated with the identification of the digital offer and associating the activated digital offer with the loyalty card number in the digital data repository; receiving, at the server computer, contextual transaction data; determining, based on the contextual transaction data, that a consumer entity associated with the loyalty card number purchased a product associated with the activated digital offer; determining, by the server computer, that a post-sale product rebate is available for the consumer entity associated with the loyalty card number and in response thereto, generating, by the server computer, a digital payment file based on the discount amount associated with the activated digital offer; using the server computer, transmitting the digital payment file to a third-party payment system that causes a refund amount to be transmitted electronically to the consumer entity associated with the loyalty card.