ELECTRONIC TRANSACTIONS PROVIDING NET PRESENT VALUE

摘要

Electronic commerce systems and methods are described in which a customer accrues and receives an accounting of net present value ("NPV") in exchange for purchasing goods and/or services from one or more vendors in a first group of vendors. The NPV may be in the form of monetary credits and/or rebates. The customer realizes an accrued NPV by receiving discounts and/or rebates commensurate with the NPV on purchases of goods and/or services from one or more vendors in a second group of vendors.