Patent attributes
A method of delivering a discount on a purchasable item via a cellular message includes capturing a token of the item by a cellular device. The cellular device processes the token and sends a message artifact as a cellular message, such as SMS message. A discount service computer receives and parses the message artifact, and reconstructs the token. The token is matched to a record of an eligibility database, if any exist, or else a corresponding record for the token is generated. A discount database is accessed for a discount coupon relevant to the record and the purchasable item identity. The discount coupon is sent to the cellular device as a text message. A benefit processor may adjudicate an insured coverage, if applicable. The item is discounted at point of purchase, accounting for any insurance coverage, and the applicable record of the discount database is updated.
