Eco Advantage Mediation Apparatuses, Methods and Systems

A processor-implemented method for mutual benefits, comprising:

• receiving a request for a user's value point balance and a merchant's current value point schedule from a merchant;
• receiving a value point transaction confirmation indicating a transaction has been successfully processed and value point transaction data;
• debiting from a user's account an amount of value points received from another merchant in a previous transaction for use in the transaction;
• crediting to the user's account an amount of value points based on the value point transaction data;
• and
• generating via a processor a value point transaction record and storing the value point transaction data in the value point transaction record.

A system for mutual benefits, comprising:

• means for receiving a request for a user's transaction value modifier (TVM) balance and a merchant's current TVM schedule from a merchant;
• means for receiving a TVM transaction confirmation indicating a transaction has been successfully processed, and TVM transaction data;
• means for debiting from a user's account an amount of TVMs received from another merchant in a previous transaction for use in the transaction;
• means for crediting to the user's account an amount of TVMs based on the TVM transaction data;
• and
• means for generating via a processor a TVM transaction record and storing the TVM transaction data in the TVM transaction record.

A system for mutual benefits, comprising:

• means for receiving a request for a user's value point balance and a merchant's current value point schedule from a merchant;
• means for receiving a value point transaction confirmation indicating a transaction has been successfully processed and value point transaction data;
• means for debiting from a user's account an amount of value points received from another merchant in a previous transaction for use in the transaction;
• means for crediting to the user's account an amount of value points based on the value point transaction data;
• and
• means for generating via a processor a value point transaction record and storing the value point transaction data in the value point transaction record.

A mutual benefits non-transitory computer-readable medium storing processor-executable instructions, said instructions executable by a processor to:

• receive a request for a user's transaction value modifier (TVM) balance and a merchant's current TVM schedule from a merchant;
• receive a TVM transaction confirmation indicating a transaction has been successfully processed, and TVM transaction data;
• debit from a user's account an amount of TVMs received from another merchant in a previous transaction for use in the transaction;
• credit to the user's account an amount of TVMs based on the TVM transaction data;
• and
• generate via a processor a TVM transaction record and storing the TVM transaction data in the TVM transaction record.

A processor-implemented medium for mutual benefits, comprising:

• receive a request for a user's value point balance and a merchant's current value point schedule from a merchant;
• receive a value point transaction confirmation indicating a transaction has been successfully processed and value point transaction data;
• debit from a user's account an amount of value points received from another merchant in a previous transaction for use in the transaction;
• credit to the user's account an amount of value points based on the value point transaction data;
• and
• generate via a processor a value point transaction record and storing the value point transaction data in the value point transaction record.

An apparatus for mutual benefits, comprising:

• a processor;
• and
• a memory disposed in communication with the processor and storing processor-executable instructions to:
• receive a request for a user's transaction value modifier (TVM) balance and a merchant's current TVM schedule from a merchant;
• receive a TVM transaction confirmation indicating a transaction has been successfully processed, and TVM transaction data;
• debit from a user's account an amount of TVMs received from another merchant in a previous transaction for use in the transaction;
• credit to the user's account an amount of TVMs based on the TVM transaction data;
• and
• generate via a processor a TVM transaction record and storing the TVM transaction data in the TVM transaction record.

An apparatus for mutual benefits, comprising:

• a processor;
• and
• a memory disposed in communication with the processor and storing processor-executable instructions to:
• receive a request for a user's value point balance and a merchant's current value point schedule from a merchant;
• receive a value point transaction confirmation indicating a transaction has been successfully processed and value point transaction data;
• debit from a user's account an amount of value points received from another merchant in a previous transaction for use in the transaction;
• credit to the user's account an amount of value points based on the value point transaction data;
• and
• generate via a processor a value point transaction record and storing the value point transaction data in the value point transaction record.