Database computer architecture for managing an incentive award program and checking float of funds at time of purchase
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United States of America Patent
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Mar 31, 1998
Grant Date -
N/A
app pub date -
Jun 7, 1995
filing date -
May 4, 1995
priority date (Note) -
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Abstract
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.
First Claim
Family
- 15 United States
- 10 France
- 8 Japan
- 7 China
- 5 Korea
- 2 Other
Patent Owner(s)
- JPMORGAN CHASE BANK, N.A.;WASHINGTON MUTUAL BANK, F.A.
International Classification(s)
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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Fee | Large entity fee | small entity fee | micro entity fee |
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Surcharge after expiration - Late payment is unavoidable | $700.00 | $350.00 | $175.00 |
Surcharge after expiration - Late payment is unintentional | $1,640.00 | $820.00 | $410.00 |
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