Database computer architecture for managing an incentive award program and checking float of funds at time of purchase

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 5734838
SERIAL NO

08486681

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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In an advanced intelligent network based information distribution system including a central office switching system connected to communication lines including at least one service switching point for selectively providing switched communications between the communication lines, a network controller arranged for selectively providing control data to effect land line communications, and arranged separately from the central office switching system, an incentive award computer system provides an award to users participating in an incentive award program. The incentive award computer system includes a request transaction processing computer system receiving an electronic transaction by a user, determining whether the electronic transaction is a reward eligible transaction, and generating a transaction request when the electronic transaction is determined to be the reward eligible transaction. In addition, a points calculator processing computer system is provided that determines a reward responsive to the reward eligible transaction represented in the transaction request, assigns the reward to a user record responsive to reward criteria, and generates a reward record representing the reward. The incentive award computer system further includes a points assigning and reporting processing computer system that generates reports and provides access to the user record and the reward by the user responsive to predetermined criteria.

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Patent Owner(s)

  • JPMORGAN CHASE BANK, N.A.;WASHINGTON MUTUAL BANK, F.A.

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Hale, Brenda K Irvine, CA 1 530
Johnson, Laurie A Irvine, CA 1 530
Mendez, Erin M Irvine, CA 1 530
Robinson, W Brent Irvine, CA 1 530
Weber, Faris D Stockton, CA 1 530

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