WALLET STEERING: SYSTEM, ENGINE, METHOD, AND PROFESSIONAL SERVICES TO PROGRAMMATICALLY, PRECISELY, AND PROFITABLY STEER CONSUMER PURCHASES FROM ONE BUSINESS TO ANOTHER, ONE PRODUCT/SERVICE TO ANOTHER, AND/OR ONE PAYMENT TENDER TO ANOTHER

1 . A computer-implemented method associated with a wallet steering program, the method comprising:

receiving a first discount offer for at least one good from a manufacturer of the at least one good;

receiving a second discount offer for the at least one good from a merchant;

generating a third discount offer for the at least one good using at least one attribute from the first discount offer and the second discount offer; and

causing to be displayed, on at least one of a user computing device or a merchant-controlled device, the third discount offer before or during a transaction at a merchant selling the at least one good.

2 . The computer-implemented method of claim 1 , wherein the first discount offer is an evergreen offer that is always available to at least one of merchants or consumers.

3 . The computer-implemented method of claim 1 , wherein the first discount offer has a time or location constraint.

4 . The computer-implemented method of claim 1 , wherein the third discount offer is generated in response to an input by the merchant.

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

causing to be displayed, on a merchant-controlled device, the third discount offer;

receiving at least one input from the merchant; and

revising the third discount offer based on the at least one input.

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

causing to be displayed, on a manufacturer-controlled device, the third discount offer;

receiving at least one input from the manufacturer; and

revising the third discount offer based on the at least one input.

7 . The computer-implemented method of claim 1 , wherein the third discount offer is greater than or equal to a sum of the first discount offer and the second discount offer.

8 . The computer-implemented method of claim 1 , wherein the first discount offer comprises a first free product or service.

9 . The computer-implemented method of claim 8 , wherein the third discount offer comprises the first free product or service offer and a second free product or service offer.

10 . The computer-implemented method of claim 1 , wherein the first discount offer comprises one or more loyalty points.

11 . The computer-implemented method of claim 10 , wherein the third discount offer comprises loyalty points in a greater amount than the first discount offer.

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

receiving an input indicating acceptance of the third discount offer from at least one of the user computing device or the merchant-controlled device.

13 . The computer-implemented method of claim 1 , comprising causing to be displayed, on the merchant-controlled device, the third discount offer during the transaction, the merchant-controlled device comprising at least one of a fuel dispenser, a point-of-sale device, or an ordering device.

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

receiving, during the transaction, a consumer identifier;

determining whether the consumer identifier is associated with one of a plurality of consumer member profiles; and

in response to determining the consumer identifier is associated with a consumer member profile of the plurality of consumer member profiles, causing to be displayed, on at least one of the user computing device or the merchant-controlled device, the third offer.

15 . The computer-implemented method of claim 14 , further comprising:

in response to determining the consumer identifier is not associated with a consumer member profile of the plurality of consumer member profiles, causing to be displayed, on at least one of the user computing device or the merchant-controlled device, a prompt to create a consumer member profile.

16 . The computer-implemented method of claim 15 , further comprising:

in response to the consumer creating a consumer member profile, causing to be displayed, on at least one of the user computing device or the merchant-controlled device, the third discount offer.

17 . A computer-implemented method associated with a wallet steering program, the method comprising:

receiving a first discount offer for at least one good or service from a merchant comprising a plurality of establishments offering the at least one good or service;

receiving a second discount offer for the at least one good or service from a first establishment of the plurality of establishments offering the at least one good or service;

generating a third discount offer for the at least one good or service using at least one attribute from the first discount offer and the second discount offer; and

causing to be displayed, on at least one of a user computing device or a merchant-controlled device, the third discount offer before or during a transaction at the first establishment of the plurality of establishments.

18 . The computer-implemented method of claim 17 , wherein the third discount offer is generated in response to an input by the merchant.

19 . The computer-implemented method of claim 17 , wherein the first discount offer comprises one or more loyalty points.

20 . The computer-implemented method of claim 19 , wherein the third discount offer comprises loyalty points in a greater amount than the first discount offer.