Systems and methods for providing offers using a mobile device

1. A method for providing offers using a wireless device, the method comprising:

receiving card data for a financial account card;

storing the card data in a memory associated with the wireless device;

responsive to using the card data in a transaction at a first merchant location, receiving transaction line-item data from a merchant computing system associated with the first merchant location;

storing the transaction line-item data in the memory associated with the wireless device;

determining merchant information for a second merchant location when the wireless device determines it is near the second merchant location;

determining an offer associated with the second merchant location based on the stored line-item data and the merchant information for the second merchant location; and

presenting the offer at the wireless device.

2. The method of claim 1 , further comprising initiating a transaction at the second merchant location based at least in part on the offer.

3. The method of claim 2 , wherein the wireless device uses the stored card data for the transaction at the second merchant location.

4. The method of claim 1 , wherein the offer includes an incentive to use the stored card data.

5. The method of claim 1 , wherein the first merchant location and the second merchant location are affiliated with the same merchant.

6. The method of claim 1 , wherein the first merchant location is affiliated with a first merchant and the second merchant location is affiliated with a second merchant, and wherein the first merchant and the second merchant are different.

7. The method of claim 1 , wherein the offer includes an incentive to purchase a complementary product to at least one product included in the line-item data.

8. The method of claim 1 , wherein the offer includes an incentive to repeat purchase a product included in the line-item data.

9. A wireless device for using card data during a transaction, comprising:

one or more processors; and

a memory storing instructions that when executed by the one or more processors, cause the one or more processors to:

receive card data for a financial account card;

store the card data;

responsive to using the card data in a transaction at a first merchant location, receive transaction line-item data from a merchant computing system associated with the first merchant location;

store the transaction line-item data in a memory associated with the wireless device;

determine that the wireless device is near a second merchant location;

determine merchant information for the second merchant location;

determine an offer associated with the second merchant location based on the stored line-item data and the merchant information for the second merchant location; and

present the offer when the wireless device is near the second merchant location.

10. The wireless device of claim 9 , wherein the instructions further cause the one or more processors to initiate a transaction at the second merchant location based at least in part on the offer.

11. The wireless device of claim 10 , wherein the wireless device uses the stored card data for the transaction at the second merchant location.

12. The wireless device of claim 9 , wherein the offer includes an incentive to use the stored card data.

13. The wireless device of claim 9 , wherein the first merchant location and the second merchant location are affiliated with the same merchant.

14. The wireless device of claim 9 , wherein the first merchant location is affiliated with a first merchant and the second merchant location is affiliated with a second merchant, and wherein the first merchant and the second merchant are different.

15. The wireless device of claim 9 , wherein the offer includes an incentive to purchase a complementary product to at least one product included in the line-item data.

16. The wireless device of claim 9 , wherein the offer includes an incentive to repeat purchase a product included in the line-item data.

17. A non-transitory computer readable medium storing instructions that,

when executed by one or more processors associated with a wireless device, causes the one or more processors to perform operations comprising:

receiving card data for a financial account card;

storing the card data;

responsive to using the card data in a transaction at a first merchant location, receiving transaction line-item data from a merchant computing system associated with the first merchant location;

storing the transaction line-item data in a memory associated with the wireless device;

determining that the wireless device is near a second merchant location;

determining merchant information for the second merchant location;

determining an offer associated with the second merchant location based on the stored line-item data and the merchant information for the second merchant location; and

presenting the offer when the wireless device is near the second merchant location.

18. The non-transitory computer readable medium of claim 17 , wherein the operations further comprise initiating a transaction at the second merchant location based at least in part on the offer.

19. The non-transitory computer readable medium of claim 17 , wherein the first merchant location and the second merchant location are affiliated with the same merchant.

20. The non-transitory computer readable medium of claim 17 , wherein the first merchant location is affiliated with a first merchant and the second merchant location is affiliated with a second merchant and wherein the first merchant and the second merchant are different.