System and method for enabling consumers to add personal charitable contributions and transfer the right to designate a beneficiary to other consumers

A method for enabling registered consumers to direct matching charitable contributions donated by a plurality of program partners to a plurality of designated beneficiaries through a directed giving service provider based on consumer purchases during a predetermined purchase period. The method also enables registered consumers to donate their own funds, and to transfer their direction rights to at least one other consumer and/or consumer account. Program partners can include individual retail stores, retail store chains, credit providers and product manufacturers conducting business either at a physical location, by telephone, direct mail, or online via a web site, etc. The directing rights generated by purchases of qualified products for all registered consumers are aggregated by the directed giving service provider and individual estimates of amounts to be directed to designated beneficiaries are provided to individual consumers to enable them to allocate contribution percentages to each selected beneficiary. A directed giving service provider or charitable foundation receives funds from the program partners on a regular basis and sends those funds to the beneficiaries chosen by the consumers on a regular basis. The directed giving service provider establishes standards for beneficiary qualification and works to ensure that payments are made only to those beneficiaries meeting such standards.