Providing discounts to non-partner merchants

1. A computer-implemented method, the method comprising:

receiving, by a remote server, location data associated with a mobile device, wherein the location data comprises a current location;

determining, by the remote server, that the mobile device is not associated with an existing user account;

determining, by the remote server, one or more promotions based at least in part of the location data, wherein each of the one or more promotions is associated with at least one merchant identifier and least one promotion value;

determining, by the remote server, and for each promotion of the one or more promotions, a likelihood that a user of the mobile device will purchase the promotions;

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 one or more promotions; and

generating, by the remote server and in response to receiving a user engagement input indicating a user selection of the selectable data object, a user account data object for a new user account by associating the at least one promotion of the one or more promotions and each merchant identifier associated with the at least one promotion of the one or more promotions with the new user account.

2. The computer-implemented method of claim 1 , wherein determining the one or more promotions comprises:

identifying one or more establishments based at least in part on the location data;

determining, for at least one of the one or more establishments identified, an associated merchant identifier, an associated promotion, and an associated promotion value; and

selecting at least one of the one or more establishments based at least in part on the respective associated promotion values.

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 object.

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

determining whether the user payment data object is associated with a first merchant identifier associated with a first promotion of the user account data object, wherein the first promotion is associated with a first 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 first promotion value associated with the first promotion 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 new 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:

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

8. An apparatus, 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, wherein the location data comprises a current location;

determine that the mobile device is not associated with an existing user account;

determine one or more promotions based at least in part of the location data, wherein each of the one or more promotions is associated with at least one merchant identifier and least one promotion value;

determine, for each promotion of the one or more promotions, a likelihood that a user of the mobile device will purchase the promotions;

generate and provide, for display on the mobile device, a selectable data object indicative of at least one promotion of the one or more promotions; and

generate, in response to receiving a user engagement input indicating a user selection of the selectable data object, a user account data object for a new user account by associating the at least one promotion of the one or more promotions and each merchant identifier associated with the at least one promotion of the one or more promotions with the new user account.

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 one or more promotions by:

identify one or more establishments based at least in part on the location data;

determine, for at least one of the one or more establishments identified, an associated merchant identifier, an associated promotion, and an associated promotion value; and

select at least one of the one or more establishments based at least in part on the respective associated promotion values.

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

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 a first merchant identifier associated with a first promotion of the user account data object, wherein the first promotion is associated with a first 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 first promotion value associated with the first promotion 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 new 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:

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

15. A computer program product, 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, wherein the location data comprises a current location;

determine that the mobile device is not associated with an existing user account;

determine one or more promotions based at least in part of the location data, wherein each of the one or more promotions is associated with at least one merchant identifier and least one promotion value;

determine, for each promotion of the one or more promotions, a likelihood that a user of the mobile device will purchase the promotions;

generate and provide, for display on the mobile device, a selectable data object indicative of at least one promotion of the one or more promotions; and

generate, in response to receiving a user engagement input indicating a user selection of the selectable data object, a user account data object for a new user account by associating the at least one promotion of the one or more promotions and each merchant identifier associated with the at least one promotion of the one or more promotions with the new user account.

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

identify one or more establishments based at least in part on the location data;

determine, for at least one of the one or more establishments identified, an associated merchant identifier, an associated promotion, and an associated promotion value; and

select at least one of the one or more establishments based at least in part on the respective associated promotion values.

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

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 a first merchant identifier associated with a first promotion of the user account data object, wherein the first promotion is associated with a first 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 first promotion value associated with the first promotion if the user payment data object positively corresponds to the payment data and the merchant identifier.

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

determine a consumer value for the new 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.