SYSTEMS, METHODS AND DEVICES FOR NON-ACQUIRED ACCOUNT PAYMENT AFFINITY DONATION

摘要

A cash payment system incents a customer to transact at a merchant's brick and mortar store in the customer's local community by the merchant's agreement to make an auditable donation to a charity serving the local community, where the charity is selected by the customer. Various merchant business rules limit the merchant's donations over specific calendar periods, which donations can be made directly by the merchant to the charity, or indirectly to the charity by way of a blind donation made by the merchant to a donation disbursement agency acting on the merchant's behalf to satisfy the merchant's commitment to donate.

主权项

1. An incentive method for a plurality of merchant systems conducting transactions with account holders, the method comprising a plurality of steps each being performed by hardware executing software, wherein the steps include:
receiving, at a processor, for each said transaction:
a transaction time stamp;respective merchant, account holder, and offer identifiers; andindicia that payment for the transaction was made on a non-acquired account; retrieving, from a persistent store, using the respective merchant and account holder identifiers, respective merchant and account holder geographic locations; for each said transaction:
determining, at the processor, using the respective merchant and account holder geographic locations, whether the merchant and the account holder have a geographical location in common; anddetermining, at the processor, whether the transaction is being conducted within a predetermined time period using:
the transaction time stamp; andthe offer identifier; for each said transaction for which:
the transaction is conducted within the predetermined time period; andthe merchant and the account holder have a geographical location in common:
retrieving, using the merchant identifier, a merchant donation business rule for the merchant to make a donation to an affinity entity having:
a geographical location in common with that of the respective merchant and account holder geographic locations; andan affinity entity identifier;deriving a donation to be made by the merchant to the affinity entity for the predetermined time period using the merchant donation business rule;transmitting a message containing the donation to be made by the merchant to the affinity entity for the predetermined time period to a logical address selected from the group consisting of:
a logical address of the merchant;a logical address of the account holder;a logical address of the affinity entity; anda combination thereof;and within a predetermined audit time period for the predetermined time period:
receiving a plurality of donation receipts each including:
the respective merchant and affinity entity identifiers;and a currency amount;and for each said identifier for the merchant, deriving the sum of the currency amounts of the donation receipts for each said affinity entity identifier.