Patent ID: 7349866

Claim:
A method for attributing a reward to an individual account and a collective account, comprising: associating an RFID tag with an individual account, wherein the individual account and the RFID tag are both associated with the tagholder and a financial institution, wherein further the financial institution comprises one or more host computers; aggregating RFID tag usage and calculating, on a periodic basis, a first reward based at least in part on aggregate RFID tag usage, wherein aggregate tag usage comprises aggregate 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; calculating a second reward on the same periodic basis; aggregating individual account usage and calculating, on the same periodic basis, a third reward based at least in part on individual account usage, wherein individual account usage comprises aggregate purchase amounts for purchases made using the individual account as a source for payment; attributing the first reward and the third reward to the individual account; attributing the second reward to a collective account associated with 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, or a governmental organization, or combinations thereof; and distributing the first reward and the third reward to the tagholder from the financial institution, wherein the REID tag is branded with a symbol, name, or colors, or combinations thereof, generally associated with the at least one organization.