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

Claim 11:
12. In a system including a plurality of merchants conducting transactions on respective accounts issued to respective consumer account holders by respective issuers, wherein each transaction on each said account is acquired for clearing and settlement by an acquirer for the merchant through a transaction handler in communication with both the issuer of the account and the acquirer for the merchant, and wherein the issuer sends an authorization response for the transaction to the merchant through the transaction handler and the acquirer in response to an authorization request sent to the issuer from the merchant through the transaction handler and the acquirer, a method comprising a plurality of steps, wherein the steps include for each transaction with a merchant that is conducted on an account issued to a consumer account holder:
receiving information for the transaction derived from:
interchange data for setting an interchange rate for the transaction on the account of the consumer account holder;
at least one of an authorization request and an authorization response for the transaction; and
a geolocation of a brick and mortar store of the merchant at which the transaction was conducted;

geolocating a web-enabled 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 consumer account holder was physically present when the transaction was conducted by using:
a field containing information that is included in the at least one of an authorization request for the transaction which field indicates that the transaction was not a Card Not Present (CNP) transaction;
the interchange data for setting an interchange rate for the transaction on the account of the consumer account holder; and
the wireless communications with the web-enabled mobile computing device; and

for each said ascertained web-enabled mobile computing device:
receiving information derived from the authorization response for the transaction and including the date and the time, a currency amount, identifiers for the merchant and the consumer account holder;
for each said transaction for which the date and time of the corresponding said authorization response are within a predetermined time period:
using the identifier for the merchant to access a database to retrieve a geographic location of the merchant corresponding to the identifier for the merchant; and
for each said transaction for which the geographic location of the merchant corresponding to the identifier for the merchant is within a predetermined geographically designated community:
 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;
 a business rule for both the merchant and the acquirer for the merchant making respective donations within the predetermined geographically designated community, where the respective donations are each a function, at least in part, of the sum of the currency amounts;
 using the identifier for the consumer account holder to access a database to retrieve a business rule for making a donation corresponding to one or more identifiers for one or more charities within the predetermined geographically designated community, each said charity having a logical address;
 deriving, using the sum of the currency amounts and the retrieved business rules for the merchant, the acquirer for the merchant, and the consumer account holder, the respective donation corresponding to the one or more identifiers for one or more charities; and
 transmitting, to the respective logical addresses for the merchant and the acquirer for the merchant:
 the identifier for the merchant; and
 the respective donations, of both the merchant and the acquirer for the merchant, corresponding to the one or more identifiers for one or more charities within the predetermined geographically designated community for the predetermined time period.