The HERO$CARD WorldWide coopetition program unites businesses, consumers, charities and their communities into one innovative loyalty model where EVERYONE is a HERO! It is our thesis that by combining discounts and rebates with civic consciousness, we will deliver new sales to businesses on a pay-as-you-receive basis without having to impose big up-front expenditures to businesses, deliver savings to the consumer Cardmembers, create new donation revenues to charities, create an economic impact within each community and build civic awareness.