A non-transitory computer-readable medium or media having stored thereon computer interpretable instructions which when executed by at least one processor, configure the at least one processor for:
- monitoring input data detected with at least one sensor in physiological communication with a member and coupled to a web-enabled mobile computing device associated with a member profile;
- receiving, by a transaction processing system, transaction data relating to a plurality of commercial transactions conducted by a plurality of members and merchants conducting commercial transactions using the transaction processing system, wherein:
- the transaction processing system is coupled to a payment processing system which is adapted to process credit and debit transactions;
- and
- at least some of the plurality of commercial transactions involve the merchants supplying physical products to the members;
- receiving, by the transaction processing system, a request for transaction information relating to the received transaction data from a financing bank computer after the financing bank computer is notified of a commercial transaction between a member and a merchant;
- determining and providing, by the transaction processing system, the transaction information to the financing bank computer;
- based on the monitored input data, for one or more of the at least one sensor, generating a baseline sensor input level associated with a baseline physiological state for the member profile;
- upon detection of a deviation of the monitored input data for one or more of the at least one sensor from the baseline sensor input level, identifying a non-baseline physiological state for the member profile;
- identifying transaction data associated with the member profile;
- upon the receipt of the transaction information from the transaction processing system, determining that a transaction with one said merchant associated with the transaction data occurred within a defined time period of the deviation of the monitored input data for one or more of the at least one sensor from the baseline sensor input level;
- and
- if the determination is in the affirmative, generating signals, based on the identified non-baseline physiological state, for communicating a transaction-based loyalty program communication to the web-enabled mobile computing device associated with the member profile, wherein:
- the transaction-based loyalty program communication includes an incentive defining a benefit provided by the one said merchant to a charity;
- and
- the incentive is a percentage of the amount of the transaction given as a donation by the one said merchant to the charity.