Incented Stored Value Account Holder Transaction

An Internet server hardware system comprising at least one server, the server being configured to:

• receive, for each of a plurality of charities, charity information from a network location associated with the charity, wherein the charity information includes a geographic address of the charity;
• receive, for each of a plurality of sponsors, sponsor information from a network location of the sponsor;
• receive, for each of a plurality of members, member information from a network location associated with the member, wherein the member information includes a stored value card identifier associated with a stored value card corresponding to one said sponsor and a currency amount;
• generate with a member identification generation engine, a member identifier from the stored value card identifier included in the member information;
• store the member identifier in a member ID table;
• receive, for each of a plurality of merchants:
• merchant information from a network location associated with the merchant, wherein the merchant information includes a geographic address of the merchant;
• and
• a donation formula for the merchant;
• receive, at the server from one or more merchant transaction computers, transaction information relating to a plurality of commercial transactions conducted by a plurality of members and merchants conducting commercial transactions, wherein the transaction data for each said transaction data is derived from:
• the date, the time, and transaction amount for the transaction;
• member transaction data including a Bank Identification Number (BIN) for a financial card that is registered to the member;
• and
• merchant transaction data settled by a merchant acquirer for the merchant;
• and
• upon the receipt of the transaction information from one said transaction with one said merchant that includes the merchant information of the one said merchant, the stored value card identifier associated with the stored value card involved in the transaction, and a currency amount of the transaction:
• update the currency amount for the stored value card corresponding to the stored value card identifier included in the transaction information using:
• the current value of the currency amount for the stored value card;
• and
• the currency amount of the transaction;
• generate, with the member identification generation engine, a member identifier associated with the stored value identifier included in the transaction information;
• and
• upon a determination that:
• the member identifier generated from the transaction information corresponds to a data instance in the member ID table;
• the geographic address of the one said merchant identified in the transaction information is within a defined geographic region associated with the one said charity;
• and
• the stored value card identifier is associated with the one said charity;
• then:
• update the current value of the currency amount for the stored value card using a donation by the merchant to the one said charity calculated using:
• the currency amount of the transaction;
• the donation formula in the merchant information for the one said merchant;
• and
• the current value of the donation by the merchant to the one said charity;
• send a survey pertaining to the transaction to the network location associated with a corresponding one said member who conducted the transaction with the one said merchant;
• receive, in response to the survey, a survey response pertaining to the sale from the network location associated with the one said member;
• differentiate and associate the Bank Identification (BIN) number to a promotional code so as to be differentiated by the stored value identifier included in the transaction information;
• and
• send to the logical address network location of the corresponding one said member who conducted the transaction with the one said merchant, in response to the receiving of the survey response pertaining to the transaction, the promotional code for use by the corresponding one said member in a forthcoming transaction with the one said merchant.

The Internet server hardware system as defined in 9, wherein the at least one server includes a web server configured to:

• receive a request from a client requesting service of a web page;
• retrieve, using information in the request, data to be contained in the requested web page;
• and
• serve, in response to the request, the requested web page containing the retrieved data, wherein the retrieved data is selected from the group consisting of:
• the charity information for one said charity;
• the merchant information for one said merchant;
• the sponsor information for one said sponsor;
• and
• the member information for one said member.

A non-transient computer readable medium comprising software executable by an Internet server hardware system, the Internet server hardware system performing a plurality of steps, wherein the steps include:

• receiving, for each of a plurality of charities, charity information from a network location associated with the charity, wherein the charity information includes a geographic address of the charity;
• receiving, for each of a plurality of merchants, merchant information from a network location associated with the merchant, wherein the merchant information includes a geographic address of the merchant and a donation formula for the merchant;
• receiving, for each of a plurality of sponsors, sponsor information from a network location associated with the sponsor;
• receiving, for each of a plurality of members, member information from a network location associated with the member, wherein the member information includes a stored value card identifier associated with a stored value card corresponding to one said sponsor and a currency amount;
• generating with a member identification generation engine, a member identifier from the stored value card identifier included in the member information;
• storing the member identifier in a member ID table;
• receiving, at the Internet server hardware system from one or more merchant transaction computers, transaction information relating to a plurality of commercial transactions conducted by a plurality of members and merchants conducting commercial transactions, wherein the transaction data for each said transaction data is derived from:
• the date, the time, and transaction amount for the transaction;
• member transaction data including a Bank Identification Number (BIN) for a financial card that is registered to the member;
• and
• merchant transaction data settled by a merchant acquirer for the merchant;
• and
• upon the receipt of the transaction information from one said transaction with one said merchant that includes the merchant information of the one said merchant, the stored value card identifier associated with the stored value card involved in the transaction, and a currency amount of the transaction:
• updating the currency amount for the stored value card corresponding to the stored value card identifier included in the transaction information using:
• the current value of the currency amount for the stored value card;
• and
• the currency amount of the transaction;
• generating, with the member identification generation engine, a member identifier associated with the stored value identifier included in the transaction information;
• and
• upon determining that:
• the member identifier generated from the transaction information corresponds to a data instance in the member ID table;
• the geographic address of the one said merchant identified in the transaction information is within a defined geographic region associated with one said charity;
• and
• the stored value card identifier is associated with the one said charity;
• then:
• updating the current value of the currency amount for the stored value card a donation by the merchant to the one said charity calculated using:
• the currency amount of the transaction;
• the donation formula in the merchant information for the one said merchant;
• and
• the current value of the donation by the merchant to the one said charity;
• sending a survey pertaining to the sale to the logical address network location of the one said member;
• receiving, in response to the survey, a survey response pertaining to the sale from the network location of the one said member;
• differentiating and associating the Bank Identification (BIN) number to a promotional code so as to be differentiated by the stored value identifier included in the transaction information;
• and
• sending to the logical address network location of the corresponding one said member who conducted the transaction with the one said merchant, in response to the receiving of the survey response pertaining to the transaction, the promotional code for use by the corresponding one said member in a forthcoming transaction with the one said merchant.