Patent US 7,899,704

The present invention relates to facilitating retail transactions between registered members and selected merchants who fund rebates on the transactions between themselves and the registered members so that the rebates are accumulated and provided for funding an account. Account purchase transactions associated with merchants funding rebates are monitored to determine whether or not each transaction was consummated with a registered member using an eligible account. Rebates for qualifying purchases are calculated and the information needed to apply the earned rebates to a rebate account are generated.