A
software agent for locally tracking a user's network interaction, such as web browsing, and providing targeted promotions with optional coupons to the user. The monitoring involves use of a downloaded file of network addresses and words potentially tailored to each individual user. The
software agent locally compares network addresses and content of web sites accessed and
search terms entered against the stored addresses and key words in the file. Upon detecting a match, the
software agent contacts a
system server to obtain a promotion with an optional coupon for the match, and displays an indication of the promotion or coupon to the user, providing the user with the option to view, decline, save, or defer the promotion. The user is provided with redeemable credits for viewing promotions, visiting the site of a merchant offering the promotion, completing a transaction, and spending at least a threshold dollar amount. The coupons can include coupons targeted to users geographically close to particular merchants so that the coupons can be printed and redeemed at the merchant's establishment. Transactions related to the promotions, whether completed online or in-store, are confirmed to demonstrate the
efficacy of the promotions, award additional loyalty rewards to a user's account, or to compensate an advertiser or affiliate. Confirmation of in-store transactions may be accomplished by accessing
transaction data routed through third-party
payment networks used for credit and
debit card transactions and cellular phone transactions and the like.