1. A method, comprising: transmitting, by a computer system via a network, to a mobile device, an alert of an electronic coupon that is linked to a discount monetary amount, wherein the alert activates an application installed on the mobile device to display the electronic coupon on the mobile device in response to location information extracted and received from a global positioning system executed on the mobile device; receiving, by the computer system, settlement data that is linked to a purchase transaction associated with a consumer financial account and at least includes transaction information, merchant account information, and an indicator that forms at least a portion of an account number of the consumer financial account; identifying, by the computer system, that a consumer participates in an electronic coupon program based on the indicator within the account number; upon identifying that the consumer participates in the electronic coupon program, evaluating, by the computer system, the transaction information to determine whether the electronic coupon is available for the purchase transaction; validating, by the computer system, the electronic coupon based on the merchant account information and the indicator; debiting, by the computer system, the discount monetary amount from a merchant account identified from the merchant account information; crediting, by the computer system, the discount monetary amount of the electronic coupon to the consumer financial account; and transmitting in real-time, by the computer system via the network, a redemption notification alert to the application installed on the mobile device and displaying on the mobile device an indication that the electronic coupon has been successfully redeemed in response to the purchase transaction.