Abstract: A fuel-based consumer reward and loyalty space system and method in which a consumer can earn points towards a reward card with a predetermined dollar balance to be used to purchase fuel at the gasoline brand of their choice. The merchant can set up predetermined categories, or no categories at all, in which to allow a consumer frequenting the merchant to earn loyalty points. The consumer uses a loyalty token at the register to identify themselves and earn points upon purchasing products, with the point value set by the merchant. The points earned from each purchase are added to the consumer's account, stored in a database. Points are aggregated in the consumer's account across all participating merchants. Once the consumer's points reach a predetermined amount, such as 2,550 points, the consumer is automatically awarded a reward card with a predetermined reward amount added to the card.

Abstract: A method for allowing a second party manager to manage the liability of a first party funded liability issuer by either removing at least a fraction of the funded liability from the issuer's balance sheet or at least offsetting it with a guarantee from the manager to cover the risk of redemption of the liability. The manager will receive a discounted payment of consideration in exchange for taking on the liability. However, the payment will either be calculated such that the liability assumed will likely never be redeemed, minimizing the manager's risk, or else the payment may be invested such that the final value should exceed the potential risk of redemption.