INTELLECTUAL PROPERTY OFFICE OF NEW ZEALAND | Patent 579049 Patent 579049 A cash reward loyalty, multi level advertising and marketing system is disclosed. The system includes at least one point of sale (POS) terminal for reading and transmitting information indicative of card details, sales or purchase amounts, and transaction type and receiving processed information back from operators’ applications The system facilitates communications between the at least one point of sale terminal, a cash rewards financial account associated with the system, an operators’ funds pool, and consumer card accounts. Each consumer card account includes a rewards balance indicative of the balance of financial amounts transferred to and from the cash rewards financial account which is associated with the consumer. During a rewards receiving operation, the system transfers an offered rewards amount received by the consumer at a POS terminal to the rewards financial account when the product is purchased. During a cash rewards redeeming operation, the system transfers at least a proportion of the respective cumulative financial amount associated with a consumer and corresponding to a selected rewards amount received by the at least one point of sale terminal, from the rewards financial account to a merchant financial account associated with a merchant of a product. The rewards balance amount is in the form of cash in local currency. The system calculates, processes and rewards the consumers in real time, and makes payouts of rewards to consumers in cash, paying into the consumer personal private bank account upon maturity. The system also allows merchants and businesses participating in a campaign to have web presence and allows merchants to advertise.