Abstract: A method of facilitating a purchase transaction includes receiving an authorization request message that includes a consumer account code for a consumer, a manufacturer identification code for a manufacturer, a product identification code for a respective product associated with the manufacturer, and pricing data for the respective product. The consumer account code and the manufacturer identification code are obtained by a merchant from the consumer via an instrument presented by the consumer to the merchant during the purchase transaction. The respective product is identified at the merchant by filtering a plurality of products based on the manufacturer identification code. A memory in which program data is stored is accessed. The program data specifies a program factor for the manufacturer. A fund amount to be applied in connection with the purchase transaction is determined based on the program data and data in the authorization request message.