Abstract:
Methods, devices, and systems for charitable giving are disclosed. A consumer can set up a target amount of charitable giving that he or she wishes to pledge during a year, and amounts given toward that goal in various transactions can be summed and compared against the target. A consumer can change his or her target or contribution amounts based on projections toward a year-end date. Customer loyalty points, such as reward points, airline miles, hotel stays, etc. can be converted to cash equivalents and given to charity toward the personal goal if they are about to expire and could be used to meet a targeted charitable amount. Web portals and wireless kiosks located in public areas can accept payments, update users on their gift levels, and generally remind people to contribute to charity.

Description:
CROSS-REFERENCES TO RELATED APPLICATIONS 
       [0001]    This application claims the benefit of U.S. Provisional Patent Application No. 61/449,929, filed Mar. 7, 2011, which is hereby incorporated by reference in its entirety for all purposes. 
     
    
     BACKGROUND 
       [0002]    1. Field of the Art 
         [0003]    Systems, devices, and methods are disclosed for setting up and controlling accounts for donating to charities including computerized kiosks for accepting charitable donations. Specifically, allowing users to configure their own charitable donation targets, sending reminders for those targets to the consumer, determining whether expiring reward points or other non-governmental currencies can be used to reach the targets, and hosting prominent kiosks for accepting card-swipe charitable donations are described. 
         [0004]    2. Discussion of the Related Art 
         [0005]    Enlightened minds donate to charitable causes. However, sitting down to actually collect clothing, find canned goods, peel soup can labels, or write a check to a charity can sometimes be forgotten. One may have good intentions to donate at some point but fail to follow through. The distractions of the day, busy modern lifestyles, and competing interests beg for one&#39;s time, drowning out the memory to help a charitable cause. 
         [0006]    It is often easy to forget to donate until the last minute, such as the end of a tax year or a charity&#39;s well publicized contribution campaign. However, donating a substantial amount all in one sum can be daunting. Methods have been devised for giving a small amount at many times during a year, for example with each purchase transaction. 
         [0007]    U.S. Pat. No. 6,112,191 to Burke, issued Aug. 29, 2000, is directed toward setting aside amounts, such as the difference between a purchase price for an item and the next ‘rounded up’ dollar, and donating the various set-aside amounts in one sum to charity. By setting aside small, under $1.00 amounts in each of many transactions during a year, a consumer can accrue a substantial sum without feeling the pain of making the sum of money at one time. 
         [0008]    U.S. Pat. No. 7,577,604 to Ogilvie, issued Aug. 18, 2009, is directed to specified savings accounts using incremental commitments during consumer transactions. Consumers can enter an agreement with a credit card issuer in which the consumers&#39; credit card bills reflect not only merchandise charges for payment transactions but also incremental savings charges. When the credit card bills are paid by the consumers, the credit card issuer automatically deposits the extra savings amounts in the respective consumer&#39;s specified savings account. 
         [0009]    While such mechanisms allow for consumers to more easily save for charitable donations, there exists a need to encourage and facilitate more charitable donations to worthy causes. 
       BRIEF SUMMARY 
       [0010]    Generally, methods, devices, and systems are presented for planning, configuring, tracking, and being reminded of charitable donations. Users are able to set their own charitable giving targets for the year, configure incremental quasi-automatic gift-giving during the year, and be sent alerts if their gift-giving configuration is estimated to cause the charitable targets to be missed. 
         [0011]    A consumer can set up a charitable target and make relatively small payments to reach the target. The consumer can set up conditional controls depending on the type of charity or foundation to which he or she wishes to donate. If a donation rate over the course of time for the consumer does not appear to be able to reach the consumer&#39;s target for the time period, then a reminder can be automatically sent to the consumer. Equivalent cash value of the consumer&#39;s reward points, airline miles, or other consumer loyalty points can be calculated and offered to the consumer as an option to meet the consumer&#39;s donation goal. 
         [0012]    The equivalent cash value of expiring consumer loyalty points can be calculated and offered to a user for donation. The offer can be triggered by the expiration date of the points, the end of the period for the consumer&#39;s charitable gift-giving goals, or other events. 
         [0013]    A physical kiosk can be used for donations to charities. A user of the kiosk can swipe a credit card, insert loose change, log in to reward account, or otherwise tender value towards a charitable contribution. In alternative embodiments, a web portal accessible on the Internet can replace a kiosk. 
         [0014]    Some embodiments in accordance with the present disclosure relate to a method of alerting users to charitable target amounts. The method includes receiving a charitable target amount and target date from a user, withholding a set-aside amount from a payment transaction for the user, the payment transaction including a payment for a product or service and the set-aside amount, adding the withheld set-aside amount to the sum of set-aside amounts, estimating, using a processor operatively coupled with a memory, whether a sum of set-aside amounts from the user will fall below the target amount by the target date, and sending a message to the user based on the determination. 
         [0015]    The method can include receiving a modification to the charitable target amount from the user in response to the message, re-estimating whether the sum of charitable donations from the user will fall below the charitable target amount by the target date, and performing an action based on the re-estimation. 
         [0016]    The method can include determining a value of customer loyalty points held by the user, and proposing, in the message, to convert the customer loyalty points to a set-aside amount to be credited toward the charitable target amount. 
         [0017]    Some embodiments in accordance with the present disclosure relate to a method of alerting users to a charitable opportunity. The method includes receiving information on a payment transaction for a user, the payment transaction including a payment for a product or service and a set-aside amount, comparing a sum of set-aside amounts to a charitable target amount, the sum of set-aside amounts including the set-aside amount in the payment transaction, determining, using a processor operatively coupled with a memory, an expiration date of customer loyalty points for a user, sending a message to the user based on the determination, and converting the points to a government-issued currency based on a user&#39;s response to the message. 
         [0018]    Some embodiments in accordance with the present disclosure relate to a kiosk apparatus for accepting charitable contributions. The kiosk includes a housing, a display coupled with the housing, a network interface, and a processor operatively coupled with the display and network interface, the processor configured to allow a user to select a charitable organization to whom to donate, accept a payment to a selected charitable organization, and credit, through a connection using the network interface, the selected charitable organization with the payment. 
         [0019]    The apparatus can further include program code executable by the processor for determining, using the network interface, a value of customer loyalty points held by the user, receiving an authorization from the user, and transferring the customer loyalty points from the user to the charitable organization. The apparatus can also include program code executable by the processor for determining an expiration date of the customer loyalty points, and notifying the user of the value of customer loyalty points based on the expiration date. 
         [0020]    Other embodiments relate to machine-readable tangible storage media and computer systems that employ or store instructions for the methods described above. 
         [0021]    A further understanding of the nature and the advantages of the embodiments disclosed and suggested herein may be realized by reference to the remaining portions of the specification and the attached drawings. 
     
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         [0022]      FIG. 1  illustrates a kiosk in accordance with an embodiment. 
           [0023]      FIG. 2  illustrates an alternate kiosk in accordance with an embodiment. 
           [0024]      FIG. 3  is a chart of an accrued sum of set-aside amounts and target donation amount in accordance with an embodiment. 
           [0025]      FIG. 4  illustrates a display screen for a consumer in accordance with an embodiment. 
           [0026]      FIG. 5  illustrates a system for donations using a payment service provider in accordance with an embodiment. 
           [0027]      FIG. 6  is a flowchart of a process in accordance with an embodiment. 
           [0028]      FIG. 7  is a flowchart of a process in accordance with an embodiment. 
           [0029]      FIG. 8  shows a block diagram of an exemplary computer apparatus that can be used in some embodiments. 
       
    
    
       [0030]    The figures will now be used to illustrate different embodiments in accordance with the invention. The figures are specific examples of embodiments and should not be interpreted as limiting embodiments, but rather exemplary forms and procedures. 
       DETAILED DESCRIPTION 
       [0031]    Methods, devices, and systems for planning, configuring, tracking, and reminding users of charitable donations are presented. Users can establish their own target amount for giving to charities over a given time. The users can configure their payment card accounts or other payment accounts to donate small amounts of money over the course of the given time. The gift withholding can occur in response to events that the users initiate (e.g., a purchase) or periodically (e.g., once a month). For example, payment amounts for merchandise or services can be rounded up to the nearest dollar, and the rounded up amount can be set aside in an charitable account. The amount in the charitable account can be tracked to estimate whether it will reach the target amount. 
         [0032]    If it looks as though the target amount will not be reached by the target date, then a notification can be sent to the user. The notification can include the total amount saved so far, the projected deficit between the amounts to be saved and the target amount, and suggestions for achieving the target amount. For example, if rounding up each purchase to the next whole dollar is not setting aside enough money, then rounding up and adding a dollar to each transaction can be suggested. 
         [0033]    Customer loyalty points, such as rewards points, airline miles, hotel stays, Zynga® dollars, etc. held by the consumer can be offered for payment if transferable. The cash equivalent of the loyalty points can be used to compare their value with that of the user&#39;s target amount. For example, 20,000 airline miles valued at 1¢ per mile can be valued at $200, if donated. If a user is short of his or her target at the end of the giving period, then such loyalty points may be presented to the user as an option for giving. If the points are about to expire, then they may be presented to the user. For example, if 20,000 airline miles are about to expire in two months, then a message can be sent to the user asking whether to donate these miles to a charitable cause and credit the gift to the user&#39;s personal target. A tax receipt can be automatically sent to the user if the user agrees to convert the expiring miles. 
         [0034]    A physical kiosk can be set up in airports, grocery stores, shopping malls, and other public places for charitable giving. Kiosks can be visibly placed to remind people to donate. The kiosks can be networked, through wired or wireless connections, in order to access credit card or other financial account information of a user. A payment card can be swiped, read, etc. in order to accept charitable donations. 
         [0035]    Some kiosks can accept coins and other change. A user may bring a jar or bag of extra pennies, etc. that have accumulated over the years, and the kiosk can automatically count the change. The kiosk can offer to credit some or part of the totaled amount to the user&#39;s preferred charity. If there is not enough change to fulfill a particular obligation on the part of the user, the user can be asked to give more from his or her payment accounts or from customer loyalty points that are about to expire. The kiosk can connect through a payment service network to access the user&#39;s preferred charity(ies) and pay the charity(ies) directly. 
         [0036]    The kiosks can incorporate games, such as slot machine games or games of chance, such that winning proceeds are credited toward a player&#39;s personal target amount or automatically sent to his or her charity of choice. 
         [0037]    Although charitable donation bins and coin baskets in public places are in the prior art, such bins and baskets are not networked into a system, are not integrated with personal, user-customized charitable target amounts, and bins and baskets do not accept credit cards. 
         [0038]    Technical advantages of the aspects of the invention are many. By setting up a charitable target and annuitizing the payments to reach the goal, consumers can conveniently make one or more major donations and not be negatively affected by the upfront costs of one major payment. By using a KEEP THE CHANGE® service type of donation concept, consumers can automatically pay off their goal of donating while only having a minimal effect on their daily finances. By setting up conditional controls based on certain types of charities or foundations, consumers can be assured their donations are going to their favorite charities or foundations in their favored preference. Sending the consumer a reminder of their donation commitment can keep consumers accountable for their charitable target and allow the consumer to actively increase their charitable transactions to reach their goal, leading to an increase in charitable donations. Receiving the donation goals and actual set-aside sums can allow charities and foundations to more accurately forecast their incoming donations. 
         [0039]    Donation kiosks can act as reminders to consumers of their pre-existing charity targets as well as advertisements to new consumers. New consumers may see their friends, family, and neighbors using the kiosks and be encouraged to donate. 
         [0040]    By providing information about different charities and foundations through a kiosk or web portal, consumers can be informed of lesser known charities and foundations, leading to a wider dispersion of funds to charities that otherwise would not have as much consumer visibility. By setting up a charitable target and annuitizing the payments to reach the goal, consumers can better forecast their donation spending through the year while spreading the cost over a long period. Automatic payments can be more efficient for charities and foundations who will not have to hire employees or recruit volunteers to solicit and process donations. 
         [0041]    Allowing users to donate to charities using their rewards currency will lead to more donations to charities and foundations as users are given more choices of how to spend their reward points. Alerting a user of expiring reward points and asking the user to donate the points will lead to more economic efficiency as less reward points will go to waste before consumers can decide how to spend their points. 
         [0042]    Providing consumers the ability to donate change to charities directly via a currency acceptance machine, such as a COINSTAR® machine, can be a faster and more efficient donation process than printing receipts that must be redeemed by the consumer and then donated. Providing direct donations of change through coin counting machines will lead to more donations to charities as users are provided more choices on how to spend their collected change. 
         [0043]    A “charitable target amount” includes an amount of money that is targeted to be set aside for charity by a person, or as otherwise known in the art. 
         [0044]    A “set-aside amount” includes an amount of money that part of a larger transaction but is set aside for giving to charity, or as otherwise known in the art. An example of a set-aside amount is an amount of $0.25 out of a $50.00 transaction, where the $0.25 is set aside for a charitable donation. 
         [0045]    A “government-issued currency” includes money or equivalents issued by a sovereign state or as otherwise known in the art. Some examples of government-issued currency include American Dollars, Euros, British Pounds, and Japanese Yen. 
         [0046]      FIG. 1  illustrates a kiosk in accordance with an embodiment. System  100  includes kiosk  101  with display  102  and touch screen display  103  surrounded by a housing. Display  102  is placed high so that others can seen a game that a user of the kiosk is playing or how much a user has donated to a charity. Display  102  can show advertisements, videos of those in need, and other images. Touch screen display  103  can accept user inputs, including account passwords, connection information, preferred charities, search queries for charities, and other inputs. The touch screen can be vandal-resistant and/or weather resistant so that it can be placed in many environments. 
         [0047]    Card reader  104  can read payment cards, barcodes shown on cellular phones, and other physical devices associated with payment accounts. A user can swipe a credit card through card reader  104  in order to set aside money to provide to charity or move a payment device, such as a smart phone programmed with an electronic wallet, in close proximity to the reader so that it can be read. 
         [0048]    Coin slot  107  can accept coins for counting. In some embodiments, a basket can accept coins being poured in. The basket can churn through the coins and count them as is known in the art. 
         [0049]    Kiosk  101  can communicate via wireless interface  105  with fixed transceiver  106  in order to connect with a network, such as the Internet. Wireless communications can be facilitated by Bluetooth®, IEEE 802.11, or other communication protocols. The communications can enable the kiosk to update the user&#39;s giving account, display the user&#39;s progress toward achieving a charitable gift-giving goal, access customer loyalty points web sites and web services, etc. 
         [0050]    Displays on the kiosk can be web browser based, through HTML, JavaScript, Java, and other client-side code, and couple with server-side web portal code, such as that written in Microsoft Active Server Pages (ASP), PHP, Perl, and other computer languages as known in the art. The displays can run non-web browser based code instead of or in addition to web based code. For example, native C/C++ applications can run on the kiosk. 
         [0051]      FIG. 2  illustrates an alternate kiosk in accordance with an embodiment. Small kiosk  201  includes touch screen  203  and card slot  204 . A user can use the kiosk to donate money, check on accounts, or perform other transactions. The user can display his or her charitable target amount for a time period and the progress that is being made toward achieving the target. 
         [0052]    Kiosk  201  can encourage users to donate more money, donate loyalty points, set target amounts and associated dates, and otherwise commit resources to charity. 
         [0053]    Local charities can be featured on the kiosk, as determined by programming in the kiosk itself. The kiosk may sense that it is in a particular geographic region, and based on its location, display charities that are local. For example, a kiosk may determine through a Global Positioning System (GPS) antenna that it is near the address of a local YMCA, a Salvation Army drop off location, and a Humane Society animal shelter. Based on this address look up, the kiosk can feature the local YMCA, Salvation Army drop off, and Humane Society at the top of its list of charities to which one can donate. 
         [0054]    Kiosk  201  is small, light, and compact enough to be portable. One person can carry the kiosk to another location and bolt it to the floor with tamperproof hardware. Moving donation kiosks rapidly can be important for conventions, church services, and other events in which crowds ebb and flow at times. 
         [0055]      FIG. 3  is a chart of an accrued sum of set-aside amounts and target donation amount in accordance with an embodiment. Chart  300  includes dollar amount (vertical) axis  310 , month (horizontal) axis  311 , and the user&#39;s personal target amount  313 . 
         [0056]    Actual withholding from various transactions, such as ‘round up’ withholding, is displayed as sum of set-aside amounts line  315  up until current date  317 . Beyond current date  317 , the user&#39;s rate of donation is extrapolated. Extrapolation can be linear, polygonal, exponential, or other extrapolation techniques as known in the art. Predicted sum of donations  316  is extrapolated to the end of the time period. In the exemplary embodiment, the time period ends at the end of the year on December  31 . 
         [0057]    Predicted shortfall  314  is calculated by subtracting target amount  313  from the predicted sum of donations  316  at December 31. This predicted shortfall amount can be used to notify the user as well as come up with solutions on how to achieve the target amount. If the user&#39;s predicted sum of donations is higher than the target amount, then no notification may be sent. If the user&#39;s predicted sum of donations is lower than the target amount, as shown, then the notification can be triggered. 
         [0058]    For example, if the user has 20,000 airline miles valued at 1¢ per mile, then $200 of the $211.80 predicted shortfall amount can be filled by simply donating the airline miles. This can make sense to a user, especially if the airline miles are about to expire anyway. 
         [0059]    “About to expire” points may be point that expire within ninety days, two months, 60 days, a month, thirty days, a week, 6, 5, 4, 3, 2, or 1 days, or sooner. It may take time for the points to be converted to a dollar amount and transferred, so the expiration date can be compensated accordingly. 
         [0060]    Depending upon the urgency (i.e., lack of time between today&#39;s date and the deadline) and/or the predicted shortfall amount, the notification can be sent by mail, email, short message service (SMS) or multimedia messaging service (MMS) text message, instant message, or otherwise. 
         [0061]    A user may receive the notification and send a reply to modify his or her charitable target amount. For example, a user can reply to the notification email with a selection to adjust his target amount from $400 on December 31 to $200. Based on the reply for the modification of the charitable target amount, a central computer can re-estimate whether the sum of the user&#39;s charitable donations accrued so far will be projected to fall below the new charitable target amount by the due date. For example, the projected amount will be $11.80 short of the $200 amount on December 31. That re-estimation may trigger another action, such as sending an email to the user&#39;s selected charity with the newly modified target amount and accrued amount so that the charity can better estimate its income. 
         [0062]      FIG. 4  illustrates a display screen for a consumer in accordance with an embodiment. Display screen  403  shows predicted shortfall  314  as well as options  420 . The options can include adjusting one&#39;s payment schedule, making a one-time payment from a payment account, revising the target amount, or simply ignoring the notice. Adjusting the payment schedule can include, for example, not only setting aside rounded up amounts from credit card transactions, but also periodically (e.g., daily) setting aside a few dollars toward the charitable goal. 
         [0063]    A menu can appear after the user selects the make one-time payment selection. The menu can include a list of expiring customer loyalty points and their cash equivalents, a credit/debit card list, insert coin prompt, or other menu items. 
         [0064]    For additional privacy, customers can be notified of the shortfall via text or multimedia messages, interactive voice prompts, instant messages, or emails to their cellular phones or other electronic devices. This notification can occur if the user is projected to fail to meet his or her personal target amount at a specific time. For example, a message can be sent mid-year (i.e., June 30) indicating the projected shortfall amount and/or a message can be sent one month before the target date (i.e., November 30 if the target date is December 31). 
         [0065]    Charitable organizations can better predict income streams if they have access to personal targets. At the beginning of a fiscal year, an organization can receive a roll-up of target amounts for individuals who have pledged to withhold money on their behalf. The rolled up target amount can indicate, after discounting by a predetermined factor, how much the organization can budget for its various programs. 
         [0066]    A central computer can forecast an aggregate charitable target amount from multiple users&#39; charitable target amounts. The sum of all the target amounts of users who have targeted to give certain amounts can be one way of compiling the forecast. Another way can be to take that sum and discount it by a certain amount or percentage. For example, the sum of all the target amounts can be discounted by 50% to account for people changing their minds later, not meeting their goals, or simply to be conservative in an estimate. 
         [0067]      FIG. 5  illustrates a system for donations using a payment service provider in accordance with an embodiment. Payment service provider  505 , sometimes called a payment processing network, is configured to process credit card transactions, debit card transactions, or other portable consumer device transactions. Data relating to such transactions, including purchases, refunds, etc., can be referred to as payment data. 
         [0068]    A user can sign up in advance for a charitable contribution account through a payment service provider, such as Visa. The user accesses web page  510 , through web portal  507 , in order to register for the service. Web portal  507  communicates the user&#39;s preferences, settings, and account through a connection with payment service provider  505 . Later, the user may find himself in a position where he has excess money to donate and some time to perform the donation. 
         [0069]    Coin counting kiosk  502  is at a foreign airport. As the user waits at the airport for his flight home, jingling the foreign currency that he has collected in his pockets that he cannot spend at home, he sees the coin counting kiosk machine. The user pours accumulated coins  508  into machine hopper  511 , inserts any foreign currency bills into bill slot  512 , and waits for it to add up his change. The machine counts the bills and coins and displays the amount, converted to U.S. dollars, to the user. 
         [0070]    At this point, the user may convert the amount to U.S. dollars and credit the value to his account, minus a fee. The user may also be prompted to donate the amount to a charity of his choosing. 
         [0071]    The user swipes credit card  509 , through a reader on the kiosk for identification purposes. The machine, or servers at the payment service provider, recognize the user and prompt him for a password to log in. The kiosk is then configured to communicate to one or more of the pre-selected charities of the user&#39;s choice. 
         [0072]    If the user elects to donate the money to charitable organization  503 , the machine connects with a web service of the charitable organization and automatically enters the user&#39;s credit card number. Charitable organization  503  sends a standard payment authorization request message to its acquirer bank, acquirer  504 , which in turn routes the authorization request message to payment service provider  505 . Payment service provider  505  sends the authorization request message to the user&#39;s bank, issuer  506 . Issuer  506  is the bank that issued the user&#39;s credit card, credit card  509 . 
         [0073]    After verifying that there are enough funds in the user&#39;s account, the issuer sends an authorization response message back to payment service provider  505 , which in turn routes it back to acquirer  504 . An authorization response message is returned to charitable organization  503 , and the funds are accepted. The value of the foreign currency is effectively credited to the charity. 
         [0074]    A technical advantage of this embodiment is that the charitable organization can be paid faster through the payment service provider&#39;s network than many other forms of payment. Also, the user gets rid of his coins, which might have little worth in his home country. It may also help him get rid of metal on his person before entering X-ray scanners, metal detectors, and other airport screening devices that detect metal. The kiosk allows the user to check his own personal targets for giving to charity while waiting for a flight and can offer him recommendations on how to meet his targets. 
         [0075]    The system can be used for domestic currency, bills, and other valuable consideration. For example, old cellular phones can be dropped off, appraised by using their barcode model and/or serial number, and their value can be instantly credited through the system to the user&#39;s charity of choice. 
         [0076]    In some embodiments, the kiosk itself can be configured to act as a card reader/terminal for the charitable organization. The kiosk communicates directly with the acquirer instead of through a web service or other automated communication interface, sending information from a magnetic strip, chip, etc. on the card to the acquirer in order to assemble the authorization request message. This accelerates the transaction, lowers the number of communication channels or hops that are needed, and lessens the need for the charity to have its own communication service. 
         [0077]    The system can directly apprise and update the charitable organization as to a user&#39;s changed preferences regarding target amounts as well as money accrued towards those target amounts. If a user changes a target amount, the charity at issue can plead its case for greater donations or thank the user for his generosity while he is at the kiosk. 
         [0078]      FIG. 6  is a flowchart of a process in accordance with an embodiment. Process  600  can be implemented by a computer or other machine. 
         [0079]    In operation  601 , a charitable target amount and target date are received from a user. In operation  602 , a set-aside amount is withheld from a payment transaction for the user, the payment transaction including a payment for a product or service and the set-aside amount. For example, the payment can be $12.00, including $11.35 for lunch at a cafeteria and $0.65 for the set-aside amount. In operation  603 , the withheld set-aside amount is added to a sum of set-aside amounts. For example, the $0.65 set-aside amount is added to an account of previous set-aside amounts of $106.21, to total $106.86. In operation  604 , a processor operatively coupled with a memory estimates whether the sum of set-aside amounts from the user will fall below the target amount by the target date. For example, a computer estimates that at a rate of $0.65 per work day for lunch, the total set-aside amounts at the end of the year will fall below the user&#39;s target amount of $400. In operation  605 , a message is sent to the user based on the determination. In operation  606 , a modification to the charitable target amount is received from the user in response to the message. in operation  607 , whether the sum of charitable donations from the user will fall below the charitable target amount by the target date is re-estimated. In operation  608 , customer loyalty points are converted to a second set-aside amount to be credited toward the charitable target amount. 
         [0080]      FIG. 7  is a flowchart of a process in accordance with an embodiment. Process  700  includes operations. 
         [0081]    In operation  701 , information on a payment transaction for a user is received, the payment transaction including a payment for a product or service and a set-aside amount. In operation  702 , a sum of set-aside amounts is compared to a charitable target amount, the sum of set-aside amounts including the set-aside amount in the payment transaction. In operation  703 , a processor operatively coupled with a memory determines an expiration date of customer loyalty points for a user, the determination triggered by or otherwise based on the comparison. In operation  704 , a message is sent to the user based on the determination. In operation  705 , the points are converted to a government-issued currency based on a user&#39;s response to the message. 
         [0082]      FIG. 8  shows a block diagram of an exemplary computer apparatus that can be used in some embodiments. The subsystems shown in the figure are interconnected via a system bus  810 . Additional subsystems such as a printer  808 , keyboard  818 , fixed disk  820  (or other memory comprising computer readable media), monitor  814 , which is coupled to display adapter  812 , and others are shown. Peripherals and input/output (I/O) devices, which couple to I/O controller  802 , can be connected to the computer system by any number of means known in the art, such as serial port  816 . For example, serial port  816  or external interface  822  can be used to connect the computer apparatus to a wide area network such as the Internet, a mouse input device, or a scanner. The interconnection via system bus allows the central processor  806  to communicate with each subsystem and to control the execution of instructions from system memory  804  or the fixed disk  820 , as well as the exchange of information between subsystems. The system memory  804  and/or the fixed disk  820  may embody a tangible computer readable medium. 
         [0083]    It should be understood that the present invention as described above can be implemented in the form of control logic using computer software in a modular or integrated manner. Based on the disclosure and teachings provided herein, a person of ordinary skill in the art will know and appreciate other ways and/or methods to implement the present invention using hardware and a combination of hardware and software. 
         [0084]    Any of the software components or functions described in this application, may be implemented as software code to be executed by a processor using any suitable computer language such as, for example, Java, C++ or Perl using, for example, conventional or object-oriented techniques. The software code may be stored as a series of instructions, or commands on a computer readable medium, such as a random access memory (RAM), a read only memory (ROM), a magnetic medium such as a hard-drive or a floppy disk, or an optical medium such as a CD-ROM. Any such computer readable medium may reside on or within a single computational apparatus, and may be present on or within different computational apparatuses within a system or network. 
         [0085]    The above description is illustrative and is not restrictive. Many variations of the invention will become apparent to those skilled in the art upon review of the disclosure. The scope of the invention should, therefore, be determined not with reference to the above description, but instead should be determined with reference to the pending claims along with their full scope or equivalents. 
         [0086]    One or more features from any embodiment may be combined with one or more features of any other embodiment without departing from the scope of the invention. 
         [0087]    A recitation of “a”, “an” or “the” is intended to mean “one or more” unless specifically indicated to the contrary. 
         [0088]    All patents, patent applications, publications, and descriptions mentioned above are herein incorporated by reference in their entirety for all purposes. None is admitted to be prior art.