Abstract: A data processing system for facilitating merchant transactions includes a computer for processing data, and a storage device for storing data processed by the computer. Data regarding the purchase by a purchaser of merchandise from a merchant for a specified amount of money is entered into the computer. Monetary points are then calculated which are proportionate to a purchase made. The monetary points are then allocated between a first account which may be used by a first person for the purchase of additional merchandise from the merchant, and a second account which may be used by a second person for education at an educational institution. The monetary points allocated to the first account and the second are recorded in the storage device.

Abstract: A data processing system for facilitating merchant transactions includes a computer for processing data, and a storage device for storing data processed by the computer. Data regarding the purchase by a purchaser of merchandise from a merchant for a specified amount of money is entered into the computer. Monetary points are then calculated which are proportionate to a purchase made. The monetary points are then allocated between a first account which may be used by a first person for the purchase of additional merchandise from the merchant, and a second account which may be used by a second person for education at an educational institution. The monetary points allocated to the first account and the second are recorded in the storage device.