I definitely can see that you spent a whole lot of time in putting this concept together and it is extremely well thought out. However one of the major problems that i think the concept has is that it makes giving tzedaka impersonal.
I once heard a question as to why Hashem allows for there to be poor people in the world, one of the answers i heard was that the reason that poverty exists is so that we can get a zchus by giving them tzedaka, and not only will we get the zchus but the fact that we encounter an opportunity and try to help the person has an impact on us as a person, which we cannot afford to give up and that is exactly what will happen if it gets wired to the person straight from our bank accounts.