Patent ID: 6945453

Claim:
A method for distributing a reward, comprising: associating a tag with an individual account, a financial institution and at least one organization, wherein the tagholder is the holder of the individual account, wherein further the financial institution comprises one or more host computers, wherein further the host computer aggregates tag usage and calculates a first reward based on aggregate tag usage, wherein tag usage comprises aggregating purchase amounts for purchases of at least one of goods or services from a plurality of merchants when the tag is presented to the merchant at time of purchase; attributing the first reward to the individual account; attributing a second reward to a collective account associated with the at least one organization, wherein the at least one organization comprises at least one of a business organization, a trade organization, a political party, a religious organization, an athletic organization, a professional society, an educational organization, a charitable organization, a fund-raising organization, and a governmental organization, or combinations thereof; and distributing the first reward to the tagholder upon demand by the tagholder to the financial institution.