Payment system with item-level promotional campaigns redeemable automatically at point-of-sale devices

1. A system for redemption of promotions in connection with retail transactions, the system comprising:

a computer memory comprising:

a first database of user information, the user information being organized as user records, each of the user records corresponding to a user and containing a user identifier;

a second database of item-promotion information corresponding to at least one promotion relating to an item and redeemable at merchant devices of at least two unaffiliated merchants in connection with purchase of the item;

a third database of item information corresponding to items available for purchase at the merchant devices of the at least two unaffiliated merchants, the item information being organized as item records, each of the item records corresponding to an item and containing identifiers for the item in corresponding merchant devices; and

a transaction-management server communicating over a communications network and with the first database, second database, and third database, and comprising a computer processor programmed for:

receiving promotion information and item information from a third-party device over the communications network, the promotion information identifying promotions redeemable at the merchant devices and containing information corresponding to identifiers of items, the item information identifying items related to the identified promotions;

adding the promotion information to the second database;

adding the item information to the third database;

assigning identifiers to the items based on the received item information;

creating associations between the promotion information in the second database and the item information in the third database by relating the received promotion information to item records in the third database containing the assigned identifiers;

receiving an order from an ordering user device over the communication network, the order specifying one or more items;

obtaining a geolocation of a user associated with the ordering user device;

identifying, using the third database, and transmitting to the ordering user device merchant identifiers of one or more of the unaffiliated merchants from which the one or more items identified in the order are available and determining and transmitting promotions associated both with the one or more items and the one or more of the unaffiliated merchants, certain of the unaffiliated merchants identified by the merchant identifiers being ranked in order of proximity to the user using the geolocation of the user;

wherein the ordering user device is configured to present the certain unaffiliated merchants, receive a selection of a specific unaffiliated merchant of the certain unaffiliated merchants and transmit the order and any identified promotion to a merchant device of the specific unaffiliated merchant.

2. The system of claim 1 , wherein the ordering user device is further configured to compute a transaction amount for the order, apply any identified promotion to reduce the transaction amount, and thereupon transmit the order to the merchant device of the specific unaffiliated merchant.

3. The system of claim 1 , wherein the transmitted order includes a payment instrument.

4. The system of claim 1 , wherein the computer processor is also programmed for (i) determining a wait time for preparation of the order for pickup, (ii) based on the geolocation and a merchant pickup geolocation associated with the selected unaffiliated merchant, estimating a travel time of the user to a pickup location of the specific unaffiliated merchant, and (iii) transmitting the travel time to the ordering user device.

5. The system of claim 4 , wherein the ordering user device is further configured to determine whether an order preparation time exceeds an estimated user travel time, and if not, to place the order with the specific unaffiliated merchant as a pickup order.

6. The system of claim 1 , wherein the computer processor is also programmed for:

obtaining, via a graphical user interface, a set of rules for application of label records to the items in the third database;

after the promotion information is received from the third-party device over the communications network, storing a promotion record with each of the promotions in the second database;

mapping the promotion record in the second database and an item record in the third database by using one or more of the label records in the third database.

7. The system of claim 1 , wherein the third database of item information further includes label records for identifying the items in the third database.

8. The system of claim 1 , wherein any promotions associated with the one or more items are identified using label records corresponding with the one or more items.

9. The system of claim 1 , wherein the computer processor is also programmed for:

receiving user information for the user associated with the ordering user device to generate a particular user identifier, wherein the particular user identifier is stored as a user record for the user in the first database;

receiving a payment token from a payment-processing server, wherein the payment token is stored as part of the user record for the user in the first database.

10. The system of claim 1 , wherein the computer processor is also programmed for transmitting a digital receipt to the ordering user device, wherein the digital receipt includes a list of items purchased and identification of promotions applied, wherein each of the item listed and promotion identified in the digital receipt includes a link to generate error notification with the transaction-management server.

11. A system for redemption of promotions in connection with retail transactions, the system comprising:

a computer memory comprising:

a first database of user information, the user information being organized as user records, each of the user records corresponding to a user and containing a user identifier;

a second database of item-promotion information corresponding to at least one promotion relating to an item and redeemable at merchant devices of at least two unaffiliated merchants in connection with purchase of the item;

a third database of item information corresponding to items available for purchase at the merchant devices of the at least two unaffiliated merchants, the item information being organized as item records, each of the item records corresponding to an item and containing identifiers for the item in corresponding merchant devices; and

a transaction-management server communicating over a communications network and with the first database, second database, and third database, and comprising a computer processor programmed for:

receiving promotion information and item information from a third-party device over the communications network, the promotion information identifying promotions redeemable at the merchant devices and containing information corresponding to identifiers of items, the item information identifying items related to the identified promotions;

adding the item information to the third database;

assigning identifiers to the items based on the received item information;

creating associations between promotion information in the second database and the item information in the third database by relating the promotion information to item records in the third database containing the assigned identifiers;

receiving an order from an ordering user device over the communication network, the order specifying one or more items;

obtaining a geolocation of a user associated with the ordering user device;

identifying, using the third database, and transmitting to the ordering user device merchant identifiers of one or more of the unaffiliated merchants from which the one or more items identified in the order are available and determining and transmitting promotions associated both with the one or more items and the one or more of the unaffiliated merchants, certain unaffiliated merchants identified by the merchant identifiers being ranked in order of proximity to the user using the geolocation of the user;

wherein the ordering user device is configured to present the certain unaffiliated merchants, receive a selection of a specific unaffiliated merchant of the certain unaffiliated merchants and transmit the order and any identified promotion to a merchant device of the specific unaffiliated merchant.

12. The system of claim 11 , wherein the ordering user device is further configured to compute a transaction amount for the order, apply any identified promotion to reduce the transaction amount, and thereupon transmit the order to the merchant device of the specific unaffiliated merchant.

13. The system of claim 11 , wherein the transmitted order includes a payment instrument.

14. The system of claim 11 , wherein the computer processor is also programmed for (i) determining a wait time for preparation of the order for pickup, (ii) based on the geolocation and a merchant pickup geolocation associated with the selected unaffiliated merchant, estimating a travel time of the user to a pickup location of the specific unaffiliated merchant, and (iii) transmitting the travel time to the ordering user device.

15. The system of claim 14 , wherein the ordering user device is further configured to determine whether an order preparation time exceeds an estimated user travel time, and if not, to place the order with the specific unaffiliated merchant as a pickup order.

16. The system of claim 11 , wherein the computer processor is also programmed for:

obtaining, via a graphical user interface, a set of rules for application of label records to the items in the third database;

storing a promotion record with each of the promotions in the second database;

mapping the promotion record in the second database and an item record in the third database by using one or more of the label records in the third database.

17. The system of claim 11 , wherein the third database of item information further includes label records for identifying the items in the third database.

18. The system of claim 11 , wherein any promotions associated with the one or more items are identified using label records corresponding with the one or more items.

19. The system of claim 11 , wherein the computer processor is also programmed for:

receiving user information for the user associated with the ordering user device to generate a particular user identifier, wherein the particular user identifier is stored as a user record for the user in the first database;

receiving a payment token from a payment-processing server, wherein the payment token is stored as part of the user record for the user in the first database.

20. The system of claim 11 , wherein the computer processor is also programmed for transmitting a digital receipt to the ordering user device, wherein the digital receipt includes a list of items purchased and identification of promotions applied, wherein each of the item listed and promotion identified in the digital receipt includes a link to generate error notification with the transaction-management server.