Provided is an inverted container holding apparatus comprising a securing member and a retaining member. With this system, a loyalty program participant is able to use an existing transaction card to purchase an item over a computerized network, while at the same time offsetting the cost of that transaction by converting loyalty points to a currency value credit and having the credit applied to the participant’s financial transaction account. Communication layers may be built by searching for available public communication infrastructure andor devices in the vicinity by actively sending out connection requests to all addressable destinations along the available transport medium. The software products may be, for example, System Architect\xae software product and Network Modeling and Simulation software product, referred to as OPNET.