Retail residual benefit program

A residual rewards program system comprising:

• a memory configured to store at least one user account;
• and
• a processor coupled with the memory and configured to:
• determine one of the at least one user accounts for receiving a residual benefit;
• receive a code associated with a purchase;
• deposit a first credit in the determined user account based upon the receipt of the code;
• deposit a second credit in the determined user account based on an investment of the first credit;
• determine a redeemer to provide the residual benefit;
• and
• transfer the first credit and the second credit to the redeemer for the provision of the residual benefit.

A method of providing a residual benefit to a beneficiary comprising:

• establishing an account for the beneficiary;
• depositing an amount of credits in the account for the beneficiary based upon a purchase from a participating partner;
• providing a plurality of redeemers to be selected amongst by the beneficiary when the beneficiary chooses to redeem at least a portion of the amount of credits in the account;
• determining a selected redeemer from the plurality of redeemers for redemption of at least a portion of the amount of credits in the account;
• and
• transferring the at least a portion of the amount of credits in the account to the selected redeemer.

A method of providing a residual benefit to a beneficiary comprising:

• establishing an account for the beneficiary;
• depositing an amount of credits in the account for the beneficiary based upon a purchase from a participating partner;
• growing the amount of credits in the account over time;
• determining a redeemer for providing a good or service to the beneficiary;
• and
• transferring at least a portion of the amount of credits in the account to the redeemer.