CA2215969A1 - Debit card system and method for implementing incentive award program - Google Patents

Debit card system and method for implementing incentive award program

Info

Publication number
CA2215969A1
CA2215969A1 CA002215969A CA2215969A CA2215969A1 CA 2215969 A1 CA2215969 A1 CA 2215969A1 CA 002215969 A CA002215969 A CA 002215969A CA 2215969 A CA2215969 A CA 2215969A CA 2215969 A1 CA2215969 A1 CA 2215969A1
Authority
CA
Canada
Prior art keywords
participant
transaction
data
award
account
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
CA002215969A
Other languages
French (fr)
Other versions
CA2215969C (en
Inventor
Steven G. Rapp
Gayla L. Stone
Jody A. Storey-Waller
Kim A. Resch
Kelly K. Mcguire
Toni L. Ashby
Mark Jackson
Lowell Huff
David C. Carrithers
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Blackhawk Network Inc
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Publication of CA2215969A1 publication Critical patent/CA2215969A1/en
Application granted granted Critical
Publication of CA2215969C publication Critical patent/CA2215969C/en
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/343—Cards including a counter
    • G06Q20/3437—Cards including a counter the counter having non-monetary units, e.g. trips
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Game Theory and Decision Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Credit Cards Or The Like (AREA)

Abstract

A debit card system for implementing an incentive award program. A plurality of debit cards (114), each assigned to one participant, having a unique account number corresponding to participant's award account. A bank filter processor (116) accesses program data including data identifying the authorized unique account numbers of the participants, the authorized merchants (108) and the balance in each participant's award account. The filter processor (116) compares this program data to the following transaction data: the card account number initiating the transaction, the initiating merchant identification data regarding the amount of the initiated transaction. The filter processor generates validating data for the transaction when an authorized merchant using the unique account number of a participant having a sufficient balance in the participant's award account to cover the transaction. Otherwise, invalidating data is generated.
CA002215969A 1995-03-21 1996-03-20 Debit card system and method for implementing incentive award program Expired - Lifetime CA2215969C (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US40869095A 1995-03-21 1995-03-21
US08/408,690 1995-03-21
PCT/US1996/003724 WO1996029668A1 (en) 1995-03-21 1996-03-20 Debit card system and method for implementing incentive award program

Publications (2)

Publication Number Publication Date
CA2215969A1 true CA2215969A1 (en) 1996-09-26
CA2215969C CA2215969C (en) 2002-10-08

Family

ID=23617332

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002215969A Expired - Lifetime CA2215969C (en) 1995-03-21 1996-03-20 Debit card system and method for implementing incentive award program

Country Status (7)

Country Link
EP (1) EP0815524A4 (en)
JP (1) JPH11502647A (en)
AU (1) AU691109B2 (en)
BR (1) BR9607787A (en)
CA (1) CA2215969C (en)
MX (1) MX9707051A (en)
WO (1) WO1996029668A1 (en)

Families Citing this family (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5774870A (en) 1995-12-14 1998-06-30 Netcentives, Inc. Fully integrated, on-line interactive frequency and award redemption program
US5923016A (en) * 1996-12-03 1999-07-13 Carlson Companies, Inc. In-store points redemption system & method
US7251617B1 (en) 1998-12-28 2007-07-31 Walker Digital, Llc Method and apparatus for managing subscriptions
US6415262B1 (en) 1997-07-08 2002-07-02 Walker Digital, Llc Method and apparatus for determining a subscription to a product in a retail environment
US7236942B1 (en) 1997-12-19 2007-06-26 Walker Digital, Llc Pre-sale data broadcast system and method
US7240021B1 (en) 1998-03-27 2007-07-03 Walker Digital, Llc System and method for tracking and establishing a progressive discount based upon a customer's visits to a retail establishment
AU3205199A (en) 1998-03-27 1999-10-18 Walker Asset Management Limited Partnership System and method for tracking and establishing a progressive discount based upon a customer's visits to retail establishment
AU4083799A (en) * 1998-05-20 1999-12-06 Carlos E. Sala System and method for providing compensation and notification to an individual when a party uses data relating thereto
US6222914B1 (en) 1998-09-02 2001-04-24 Mcmullin John L. System and method for administration of an incentive award system having a delayed award payment using a credit instrument
US6549912B1 (en) * 1998-09-23 2003-04-15 Visa International Service Association Loyalty file structure for smart card
IL137357A0 (en) * 1998-10-06 2001-07-24 Netcentives Inc An on-line incentive system
US8359231B2 (en) * 2000-05-16 2013-01-22 Maritz Holdings Inc. Method and system for electronically selecting, modifying, and operating a motivation or recognition program
US7398919B2 (en) 2000-07-12 2008-07-15 Tcf Financial Corporation Transaction card system and approach
US7430520B1 (en) 2000-08-11 2008-09-30 Affinion Net Patents, Inc. System and method for determining the level of a authentication required for redeeming a customer's award credits
EP1207505A1 (en) * 2000-11-15 2002-05-22 TELEFONAKTIEBOLAGET LM ERICSSON (publ) Method for payment, user equipment, server, payment system and computer programme product
EP1410289A4 (en) 2001-04-27 2004-12-22 Massachusetts Inst Technology Method and system for micropayment transactions
US10748170B2 (en) 2013-01-10 2020-08-18 Rakuten Usa, Inc. System and method for enhanced commerce

Family Cites Families (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5025372A (en) * 1987-09-17 1991-06-18 Meridian Enterprises, Inc. System and method for administration of incentive award program through use of credit
WO1989011130A1 (en) * 1988-05-04 1989-11-16 Humble David Raymond Generic transaction account system
US4941090A (en) * 1989-01-27 1990-07-10 Mccarthy Patrick D Centralized consumer cash value accumulation system for multiple merchants
US5202826A (en) * 1989-01-27 1993-04-13 Mccarthy Patrick D Centralized consumer cash value accumulation system for multiple merchants
US5056019A (en) * 1989-08-29 1991-10-08 Citicorp Pos Information Servies, Inc. Automated purchase reward accounting system and method
US5223699A (en) * 1990-11-05 1993-06-29 At&T Bell Laboratories Recording and billing system
US5256863A (en) * 1991-11-05 1993-10-26 Comark Technologies, Inc. In-store universal control system
US5255182A (en) * 1992-01-31 1993-10-19 Visa International Service Association Payment card point-of-sale service quality monitoring system, apparatus, and method
US5321243A (en) * 1992-02-18 1994-06-14 International Verifact Inc. Card reader apparatus with read head mounting structure and card guide
US5336870A (en) * 1992-05-26 1994-08-09 Hughes Thomas S System for remote purchase payment transactions and remote bill payments
GB2274349B (en) * 1993-01-15 1997-01-15 Htec Ltd Retailing system

Also Published As

Publication number Publication date
EP0815524A1 (en) 1998-01-07
EP0815524A4 (en) 2002-05-15
MX9707051A (en) 1997-11-29
AU691109B2 (en) 1998-05-07
JPH11502647A (en) 1999-03-02
WO1996029668A1 (en) 1996-09-26
BR9607787A (en) 1998-07-07
CA2215969C (en) 2002-10-08
AU5316196A (en) 1996-10-08

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Legal Events

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EEER Examination request
MKEX Expiry

Effective date: 20160321