Patent ID: 7912751

Claim:
A system, comprising: A client application that is in communication with a merchant point of sale system to permit a plurality of customer user profiles to be linked with a plurality of purchase transaction derived by the merchant point of sale system; allows a merchant user to assign and transmit an incentive value for transactions made by the actual customer, a direct incentive value for transactions made by a direct referral of the actual customer, and at least one indirect incentive value for transactions made by an indirect referral of the actual customer to a server application; permits the merchant user to re-configure and re-transmit the incentive value, the direct incentive value and the at least one indirect incentive value to the server application; permits the merchant user to request for and redeem any portion of a total credit earned accumulated for each of the plurality of customer user profiles, wherein the total credit earned is a total amount of credit earned by purchase made by the actual customer and also the amount of credit earned by purchases made by the customer's direct and indirect referrals.