Providing discounts to non-partner merchants

1. A computer-implemented method for automatically establishing a user account, the method comprising:

receiving, by a remote server, location data associated with a mobile device;

determining, by the remote server, user account data associated with a user of the mobile device based at least in part on the location data, wherein the location data comprises a current location and at least one past location of the mobile device;

determining, by the remote server, based at least in part on the user account data, a likelihood that the user will purchase each of a plurality of promotions, wherein each promotion is associated with a merchant identifier corresponding with the location data;

generating and providing, by the remote server, for display on the mobile device, a selectable data object indicative of at least one promotion of the plurality of promotions that satisfies at least one predetermined criterion; and

in response to receiving, by the remote server, a user engagement input indicating a user selection of the selectable data object,

generating, by the remote server, a user account data object by associating the at least one promotion of the plurality of promotions, at least one promotion value, and each merchant identifier associated with the at least one promotion of the plurality of promotions with the determined user account data.

2. The computer-implemented method of claim 1 , further comprising determining the promotion by:

identifying a plurality of establishments based at least in part on the location data;

determining a promotion and a promotion value associated with each of the plurality of establishments; and

selecting, based at least in part on the respective promotion values, at least one of the plurality of establishments.

3. The computer-implemented method of claim 1 , further comprising:

receiving a user payment data object indicating a completion of a transaction; and

determining if the user payment data object corresponds to payment data associated with the user account data.

4. The computer-implemented method of claim 3 , further comprising:

determining whether the user payment data object is associated with the merchant identifier associated with the promotion value.

5. The computer-implemented method of claim 4 , further comprising:

transmitting to a financial institution a payment credit for a dollar amount equal to the promotion value if the user payment data object positively corresponds to the payment data and the merchant identifier.

6. The computer-implemented method of claim 3 , further comprising:

determining a consumer value for the user account based on the user payment data object; and

determining a second promotion value indicating a likelihood that the user will purchase a subsequent promotion based at least in part on the consumer value.

7. The computer-implemented method of claim 6 , further comprising:

in response to determining that the second promotion value is above a predetermined threshold,

providing, for display on the mobile device, a second selectable data object indicative of the subsequent promotion.

8. An apparatus for automatically establishing a user account, the apparatus comprising at least one processor and a memory including computer program instructions, the computer program instructions configured to, when executed by the at least one processor, cause the apparatus to:

receive location data associated with a mobile device;

determine user account data associated with a user of the mobile device based at least in part on the location data, wherein the location data comprises a current location and at least one past location of the mobile device;

determine based at least in part on the user account data, a likelihood that the user will purchase each of a plurality of promotions, wherein each promotion is associated with a merchant identifier corresponding with the location data;

generate and provide, for display on the mobile device, a selectable data object indicative of at least one promotion of the plurality of promotions that satisfies at least one predetermined criterion; and

in response to receiving a user engagement input indicating a user selection of the selectable data object,

generate a user account data object by associating the at least one promotion of the plurality of promotions, at least one promotion value, and each merchant identifier associated with the at least one promotion of the plurality of promotions with the determined user account data.

9. The apparatus of claim 8 , wherein the computer program instructions are further configured to, when executed by the at least one processor, cause the apparatus to determine the promotion by:

identifying a plurality of establishments based at least in part on the location data;

determining a promotion and a promotion value associated with each of the plurality of establishments; and

selecting, based at least in part on the respective promotion values, at least one of the plurality of establishments.

10. The apparatus of claim 8 , wherein the computer program instructions are further configured to, when executed by the at least one processor, cause the apparatus to:

receive a user payment data object indicating a completion of a transaction; and

determine whether the user payment data object corresponds to payment data associated with the user account data.

11. The apparatus of claim 10 , wherein the computer program instructions are further configured to, when executed by the at least one processor, cause the apparatus to:

determine whether the user payment data object is associated with the merchant identifier associated with the promotion value.

12. The apparatus of claim 11 , wherein the computer program instructions are further configured to, when executed by the at least one processor, cause the apparatus to:

transmit to a financial institution a payment credit for a dollar amount equal to the promotion value if the user payment data object positively corresponds to the payment data and the merchant identifier.

13. The apparatus of claim 10 , wherein the computer program instructions are further configured to, when executed by the at least one processor, cause the apparatus to:

determine a consumer value for the user account based on the user payment data object; and

determine a second promotion value indicating a likelihood that the user will purchase a subsequent promotion based at least in part on the consumer value.

14. The apparatus of claim 13 , wherein the computer program instructions are further configured to, when executed by the at least one processor, cause the apparatus to:

in response to determining that the second promotion value is above a predetermined threshold,

provide, for display on the mobile device, a second selectable data object indicative of the subsequent promotion.

15. A computer program product for automatically establishing a user account, the computer program product comprising computer-readable program instructions stored on a non-transitory computer readable medium, the computer-readable program instructions configured, upon execution by a processor, to:

receive location data associated with a mobile device;

determine user account data associated with a user of the mobile device based at least in part on the location data, wherein the location data comprises a current location and at least one past location of the mobile device;

determine based at least in part on the user account data, a likelihood that the user will purchase each of a plurality of promotions, wherein each promotion is associated with a merchant identifier corresponding with the location data;

generate and provide, for display on the mobile device, a selectable data object indicative of at least one promotion of the plurality of promotions that satisfies at least one predetermined criterion; and

in response to receiving a user engagement input indicating a user selection of the selectable data object,

generate a user account data object by associating the at least one promotion of the plurality of promotions, at least one promotion value, and each merchant identifier associated with the at least one promotion of the plurality of promotions with the determined user account data.

16. The computer program product of claim 15 , wherein the computer-readable program instructions are further configured, upon execution, to determine the promotion by:

identifying a plurality of establishments based at least in part on the location data;

determining a promotion and a promotion value associated with each of the plurality of establishments; and

selecting, based at least in part on the respective promotion values, at least one of the plurality of establishments.

17. The computer program product of claim 16 , wherein the computer-readable program instructions are further configured, upon execution, to:

receive a user payment data object indicating a completion of a transaction; and

determine whether the user payment data object corresponds to payment data associated with the user account data.

18. The computer program product of claim 17 , wherein the computer-readable program instructions are further configured, upon execution, to:

determine whether the user payment data object is associated with the merchant identifier associated with the promotion value.

19. The computer program product of claim 18 , wherein the computer-readable program instructions are further configured, upon execution, to:

transmit to a financial institution a payment credit for a dollar amount equal to the promotion value if the user payment data object positively corresponds to the payment data and the merchant identifier.

20. The computer program product of claim 18 , wherein the computer-readable program instructions are further configured, upon execution, to:

determine a consumer value for the user account based on the user payment data object; and

determine a second promotion value indicating a likelihood that the user will purchase a subsequent promotion based at least in part on the consumer value.