Patent ID: 11893596
Assignee: EDATANETWORKS INC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A method comprising:
receiving information for at least one transaction with a merchant that is conducted on an account issued to an account holder the transaction derived from:
interchange data for setting an interchange rate for the transaction on the account of the account holder; and
a geolocation of the merchant at which the transaction was conducted;

geolocating a mobile computing device that:
has a wireless communication technology to wirelessly communicate information stored therein; and
stores an identifier for the account on which the transaction was conducted;

ascertaining that a physical card bearing the account of the account holder was physically present when each said transaction was conducted by using at least one of:
an indicator in the received information for the transaction that the transaction was not a Card Not Present (CNP) transaction;
the interchange data for setting an interchange rate for the transaction; and
the wireless communications with the mobile computing device; and

for each said ascertained mobile computing device:
receiving information for each said transaction including the date and the time, a currency amount, and an identifier for the merchant; and
for each said transaction for which the date and time of the transaction are within a predetermined time period: and
for each said identifier for the merchant:
deriving the sum of the currency amounts;
using the identifier for the merchant to access a database to retrieve:
 the logical address for the merchant corresponding to the identifier for the merchant; and
 a business rule for making a donation corresponding to an donor identifier having a logical address, wherein in the donation is a function, at least in part, of the sum of the currency amounts; and
deriving, using the business rule and the sum of the currency amounts, the donation for the predetermined time period.