Loyalty reward system and method

A method of a consumer loyalty reward program, the method comprising:

• assigning one of a plurality of loyalty cards to at least one prime member;
• creating an account for the at least one prime member;
• maintaining a relational database of a plurality of member records on a memory unit;
• for at least one member, one of the at least one prime member, maintaining a relation with at least one other member, referenced as a referred member, where the prime member and referred member are each a member;
• in the relational database of member records, maintaining a relation between each of the at least one prime member and at least one organization entity;
• receiving from a merchant at least one transaction detail record, the transaction detail record comprising information of a transaction between the merchant and a member;
• assigning each referred member to one of a plurality of loyalty cards;
• creating an account for each referred member;
• curating a list of qualified purchases based on the at least one transaction detail record;
• calculating, via a processor, an average monthly qualified spending for each member;
• assigning at least one prime member as a leader of at least one of a plurality of groups, each group having a number of members;
• calculating a rebate;
• and
• rewarding the rebate to the leader.