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

Abstract

An electronic wallet platform obtains, from a check-out web page of a merchant, (i) a unique identification of a given consumer, of a plurality of consumers, who is purchasing at least one item from the merchant in an on-line transaction, and (ii) associated transaction data. The electronic wallet platform supplies, to a transaction qualification service, the unique identification of the given consumer; and retrieves, from a consumer enrollment database, a record wherein at least one useful token is stored in association with the unique identification of the given consumer. The transaction qualification service determines, based on rules from an offers registry database, whether the at least one useful token is applicable to the on-line transaction. The rules are stored in the offers registry database in association with the at least one useful token, and the rules take into account at least one of the unique identification of the given consumer and the associated transaction data in determining the applicability. If, based on the determining step, the at least one useful token is applicable to the on-line transaction, a further step includes providing the at least one useful token to the merchant, using the transaction qualification service and the electronic wallet platform. The at least one useful token is provided to the merchant prior to payment card authorization, clearing, and settlement for the on-line transaction.