a geo coding database to find geographic coordinates corresponding to a street address of a fee based atm terminal for which one or more transaction fees or charged to a cardholder to use employs a terminal locations data store to obtain a street address of an atm terminal for which no fees or relatively lower fees would be charged to the cardholder to use having geographic coordinates closely matching those of the fee based atm terminal and generates alert information including the street address of the non fee based terminal cardholders can be alerted with locations of other atm 39 s that could have been used for lesser fees or for free and that are in the vicinity of the atm that originated the transaction subject to fees the alert can also present the cardholder with additional benefits or incentives such as discount coupons and or fee reimbursements application_number US 201113116162 A description for purposes of clarity definitions are set forth below for several terms of art that appear in the following disclosure an u201c acquirer u201d is the financial institution or organization that operates a particular atm and or point of sale pos in the case of an atm owned by a third party the acquirer operates it on behalf of the owner u201c acquirer processor u201d refers to a transaction processor which is comprised of one.