Identifying consumers online for providing offers and coupon validation online, in real-time, and at the point of sale

1. A computer-implemented method, comprising:

matching, in a remote server, a client device identification with a loyalty card for a retail store;

identifying a shopping history for a consumer, associated with the retail store, in a database, based on the loyalty card;

requesting, through an application running in a client device, an information from the consumer, based on the shopping history;

verifying, in the remote server, an identity of the consumer when at least a portion of the information matches the shopping history associated with the retail store, for the consumer, wherein verifying the identity of the consumer further comprises comparing different buying patterns for the consumer based on the shopping history;

providing, from the remote server, an offer to the consumer, through an application running in the client device, of a product in the retail store;

correlating multiple items in a shopping basket received from the consumer through the application running in the client device with multiple items in a shopping basket scanned by a point of sale device;

validating an offer to the consumer at a time and a place for a consumer transaction; and

providing, from the remote server, the offer to the consumer, through the application running in the client device, of a product in the retail store.

2. The computer-implemented method of claim 1 , wherein requesting the information from the consumer comprises querying the consumer about one or more items in the shopping history.

3. The computer-implemented method of claim 1 , wherein verifying an identity of the consumer comprises receiving, from the client device, an identifier for a point of sale device, the identifier comprising a pre-selected time-varying pattern.

4. The computer-implemented method of claim 1 , wherein verifying an identity of the consumer comprises correlating the client device identification with multiple databases associated with multiple retail stores.

5. The computer-implemented method of claim 1 , wherein verifying an identity of the consumer further comprises receiving, from the client device, an identifier for a point of sale device the identifier comprising a pre-selected time-varying pattern identifying a time and a place for a consumer transaction before the consumer transaction occurs.

6. The computer-implemented method of claim 1 , wherein verifying an identity of the consumer comprises verifying that the consumer provides at least one correct answer to multiple questions based on the shopping history.

7. The computer-implemented method of claim 1 , further comprising identifying a time and a place for a consumer transaction before the consumer transaction occurs based on a pre-selected time-varying pattern and a correlation with the point of sale device.

8. The computer-implemented method of claim 1 , further comprising applying the offer to the consumer when the consumer purchases the product in the retail store.

9. The computer-implemented method of claim 1 , further comprising receiving, from the consumer, a second client device identification from a second client device associated with a same loyalty card for the retail store.

10. The computer-implemented method of claim 1 , wherein the shopping history for the consumer is associated with multiple stores, and requesting an information from the consumer comprises querying the consumer about multiple items purchased in the stores.

11. A system, comprising:

a memory circuit storing multiple instructions; and

one or more processors configured to execute the instructions to cause the system to:

identify a shopping history for a consumer, associated with a retail store, in a database, based on a loyalty card;

request, through an application running in a client device, an information from the consumer, based on the shopping history;

verify, in a remote server, an identity of the consumer when at least a portion of the information matches the shopping history associated with the retail store, for the consumer, wherein verifying the identity of the consumer further comprises comparing different buying patterns for the consumer based on the shopping history;

provide, from the remote server, an offer to the consumer, through an application running in the client device, of a product in the retail store;

correlate multiple items in a shopping basket received from the consumer through the application running in the client device with multiple items in a shopping basket scanned by a point of sale device;

validate an offer to the consumer at a time and a place for a consumer transaction; and

provide, from the remote server, the offer to the consumer, through the application running in the client device, of a product in the retail store.

12. The system of claim 11 , wherein to request the information from the consumer the one or more processors execute instructions to query the consumer about one or more items in the shopping history.

13. The system of claim 11 , wherein to verify the identity of the consumer the one or more processors execute instructions to compare different buying patterns for the consumer based on the shopping history.

14. The system of claim 11 , wherein to verify the identity of the consumer the one or more processors execute instructions to correlate a client device identification with multiple databases associated with multiple retail stores.

15. The system of claim 11 , wherein the one or more processors further execute instructions to map the identity of the consumer to a client device identification and to store a map including the client device identification in a database.

16. The system of claim 11 , wherein to verify the identity of the consumer the one or more processors execute instructions to verify that the consumer provides at least one correct answer to multiple questions based on the shopping history.

17. The system of claim 11 , wherein the one or more processors further execute instructions to provide to the consumer, through the application in the client device, an advertisement for the product in the retail store before receiving a client device identification.

18. A computer-implemented method, comprising:

identifying, at a remote server, a consumer at a point of sale location, wherein the consumer checks out multiple products in a shopping basket;

informing the consumer that a rebate is due, on a product, from the shopping basket;

instructing a network terminal to provide a valid rebate voucher for the product, to the consumer;

providing a running total of earned rebates and points for display in an application installed in a client device used by the consumer;

crediting the rebate to a consumer account after the consumer has purchased the product;

correlating multiple items in a shopping basket received from the consumer through the application installed in the client device with multiple items in a shopping basket scanned by a point of sale device;

identifying a time and a place for a consumer transaction before the consumer transaction occurs, based on a pre-selected time-varying pattern and a correlation with the point of sale device; and

updating, in the remote server, the consumer account with an offer to the consumer based on a purchase of the product.

19. The computer-implemented method of claim 18 , wherein identifying, at the remote server, the consumer at the point of sale location, further comprises receiving, from the client device, an identifier for a point of sale device, the identifier comprising a pre-selected time-varying pattern.

20. The computer-implemented method of claim 18 , further comprising correlating the multiple products checked out by a point of sale device at the point of sale location with an identity of the consumer at the point of sale location.