Message broker for redemption of digital incentives

1. A non-transitory computer readable medium comprising a message broker added to cooperate with a given existing point-of-sale (POS) terminal in a retail environment to provide compatibility with a central database connected to a communications network, the given existing POS terminal being of a given type from among a plurality of different types of POS terminals associated with a plurality of different retailers and each communicatively coupled to the central database, the given existing POS terminal having an identifiable attribute associated therewith, the message broker operating independently from the plurality of different types of POS terminals and independently from a respective loyalty program associated with the plurality of different retailers, the computer readable medium having computer instructions stored thereon, which, when executed by a computer processor, cause the computer processor to:

receive, via the message broker via the communications network, a given unique customer identifier associated with a customer that has selected one or more items for purchase;

obtain, via the message broker from the given existing POS terminal during a purchase transaction, information identifying the one or more items selected for purchase by the customer associated with the given unique customer identifier;

transmit, via the message broker, the given unique customer identifier, information about the given existing POS terminal, and the information identifying the items that the customer has selected for purchase to the central database;

authenticate, via the central database, the given existing POS terminal based upon the associated identifiable attribute;

assign, via the central database, a matching encrypted public/private key pair to the authenticated given existing POS terminal and communicate the public key to the authenticated existing POS terminal so that communications with the central database are encrypted;

encrypt, via the message broker, the information identifying the one or more items selected for purchase, the associated given unique customer identifier, and the identifiable attribute of the authenticated given existing POS terminal;

communicate, via the message broker, the encrypted information identifying the one or more items selected for purchase, the encrypted associated given unique customer identifier, the encrypted identifiable attribute of the authenticated given existing POS terminal, and the public key, to the central database;

compare, at the central database, the public key received from the message broker to the public key assigned at the central database;

generate a unique session token associated with the purchase transaction, the unique session token having a session token expiration associated therewith;

decrypt, based upon the private key and at the central database, the encrypted associated unique customer identifier, and the encrypted identifiable attribute of the authenticated given existing POS terminal;

identify, via the central database, at least one digital incentive from among a plurality thereof that is associated with the given unique customer identifier and that is applicable to the one or more items selected for purchase, the at least one identified digital incentive having a digital incentive expiration associated therewith corresponding to the session token expiration;

communicate, via the central database, to the message broker, the unique session token and the at least one identified digital incentive; and

determine whether the unique session token has expired based upon the session token expiration, and if not, apply the at least one identified digital incentive to the purchase transaction for redemption at the authenticated given existing POS terminal as the at least one identified digital incentive has not expired, and if so, not apply the at least one identified digital incentive as the at least one identified digital incentive has also expired.

2. The non-transitory computer readable medium of claim 1 , further comprising instructions stored thereon, which, when executed by the computer processor, cause the computer processor to transmit information to the central database confirming redemption of the at least one digital incentive.

3. The non-transitory computer readable medium of claim 1 , wherein information about a redemption of the at least one digital incentive is transmitted to the customer by SMS text message, e-mail, mail, telephone call, or a printed receipt from the authenticated given existing POS terminal.

4. The non-transitory computer readable medium of claim 1 , wherein the given unique customer identifier is provided by a virtual smart card, a cellular phone, a magnetic strip on a swipe card, a bar code, biometrics information, a telephone number, an e-mail address, a pin number, an RFID tag, or an account number.

5. The non-transitory computer readable medium of claim 1 , wherein the authenticated given existing POS terminal comprises a retail cash register, an internet check-out web page embodied on a computer, a broadcast television signal embodied on a set-top box, a cable television signal embodied on a set-top box, or a cellular telephone.

6. The non-transitory computer readable medium of claim 1 , further comprising instructions stored thereon, which, when executed by the computer processor, cause the computer processor to transmit information to the central database comprising time specific information, location specific information, order totals, other discounts, voided transactions, returned items, and UPC characteristics.