Methods and systems for utilizing promotion data accessible via a mobile device are disclosed. A digital record of promotion data from a product provider may be stored in a database. A plurality of such digital records may be aggregated for one or more providers. A digital record may be associated with an incentive account associated with an individual. An electronic request to apply promotion data associated with the individual to a transaction and authentication data identifying the individual may be received. A digital record associated with the individual's incentive account may be located and transmitted to a transaction processing system. A processing result record associated with the digital record may be received from the processing system. Usage information derived from the processing result record may be associated in a database.