WO1998038562B1 - A patronage incentive award system incorporating retirement accounts and method thereof - Google Patents
A patronage incentive award system incorporating retirement accounts and method thereofInfo
- Publication number
- WO1998038562B1 WO1998038562B1 PCT/US1998/003505 US9803505W WO9838562B1 WO 1998038562 B1 WO1998038562 B1 WO 1998038562B1 US 9803505 W US9803505 W US 9803505W WO 9838562 B1 WO9838562 B1 WO 9838562B1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- incentive award
- customer
- patronage
- award system
- account
- Prior art date
Links
- 241000152160 Ira Species 0.000 claims 2
- 230000001737 promoting Effects 0.000 claims 2
Abstract
A patronage incentive system is disclosed in which a monetary award is made to a customer's retirement account as incentive for the customer to participate in a transaction with the sponsor for the sponsor's goods or services. The system includes devices for identifying the customer (12), inputting (18) the identification information (14) and other information about the transaction (16) into a computer data storage (20), a computer data processing device (22) which uses a software program (24) along with the transactional information (16) to calculate an incentive award amount (25), transferring the monetary funds (28) equal to the incentive award amount (25) from an incentive award pool (26) to the customer's retirement account (30), and reporting (36) the incentive award (25) amount to the customer and the sponsor.
Claims
1. A patronage incentive award system for promoting a customer to enter into a transaction with a sponsor for goods or services, said patronage incentive award system comprising:
(a) an identification means for identifying a customer who participates in a transaction with a sponsor of an incentive award system, said transaction involving goods or services of said sponsor, said identification means having identification information about said customer, and said customer having a retirement account;
(b) transactional information including said identification information;
(c) a computer data storage memory device for storing said transactional information and an input device for inputting said transactional information into said storage memory device;
(d) a software program for determining an incentive award amount;
(e) a computer data processing device for utilizing said software program, said computer data processing device being in communication with said computer data storage memory device; (f) an incentive award pool having monetary funds;
(g) a means for transferring a portion of said monetary funds from said incentive award pool to said retirement account; and
(h) a means for reporting said incentive award amount to said customer and to said sponsor.
2. A patronage incentive award system as described in claim 1, wherein said retirement account comprises at least one financial investment instrument.
3. A patronage incentive award system as described in claim 2, wherein said retirement account comprises at least one IRA account.
4. A patronage incentive award system as described in claim 1, wherein said identification means comprises a credit card.
27
5. A patronage incentive award system as described in claim 1 , wherein said means for transferring a portion of said monetary funds from said incentive award pool to said retirement account of said customer comprises an electronic transfer means for transferring aportion of said monetary funds from said incentive award pool to said retirement account of said customer.
6. A patronage incentive award system as described in claim 1 further comprising a means for debiting an account of said sponsor for an amount equal to at least said incentive award amount.
7. A patronage incentive award system as described in claim 1, wherein said incentive award system accommodates participation of a plurality of sponsors.
8. A patronage incentive award system as described in claim 1, wherein said incentive award system accommodates participation of a plurality of customers.
9. A patronage incentive award system as described in claim 7, wherein said incentive award system accommodates participation of a plurality of customers.
10. A patronage incentive award system as described in claim 1, further comprising a means for varyingly controlling said incentive award amount.
11. A patronage incentive award system as described in claim 1 , wherein said transactional information further comprises incentive award calculation special information.
12. A method of operating a patronage incentive award system for promoting a customer to enter into a transaction with a sponsor for goods or services, said method comprising the steps of:
(a) inputting into a computer data memory device information about a transaction between a customer and a sponsor of an incentive award system, said transaction involving goods or services of said sponsor;
(b) calculating an incentive award amount by using a computer data processing device;
(c) transferring from an incentive award pool having monetary funds to a retirement account of said customer a portion of said monetary funds equal to said incentive award amount; and
(d) reporting said incentive award amount to said customer and to said sponsor.
13. The method of operating a patronage incentive award system described in" claim 12, wherein said retirement account comprises at least one financial instrument.
14. The method of operating a patronage incentive award system described in claim 13, wherein said retirement account comprises at least one IRA account.
15. The method of operating a patronage incentive award system described in claim 12, wherein said means for transferring a portion of said monetary funds from said incentive award pool to a retirement account of said customer comprises an electronic transfer means.
16. The method of operating a patronage incentive award system described in claim 12, further comprising the step of debiting an account of said sponsor for an amount equal to at least said incentive award amount.
17. The method of operating a patronage incentive award system described in claim 12, further comprising the step of varyingly controlling said incentive award amount.
18. The method of operating a patronage incentive award system described in claim 12, further comprising the step of using a credit card to identify said customer.
19. A patronage incentive award system as described in claim 1 further comprising at least one customer employee retirement account, wherein said customer is an employer having at least one employee and said retirement account is an account from which said customer distributes monetary funds to said at least one customer employee retirement account.
20. A method of operating a patronage incentive award system as described in claim 12 wherein said customer is an employer and the step of transferring from an incentive award pool having monetary funds to a retirement account of said customer a portion of said monetary funds equal to said incentive award amount comprises transferring said monetary funds to a retirement account from which said employer distributes monetary funds to at least one account maintained for the purpose of providing retirement benefits to at least one employee of said customer.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AU65362/98A AU6536298A (en) | 1997-02-26 | 1998-02-23 | A patronage incentive award system incorporating retirement accounts and method thereof |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US08/806,166 US5991736A (en) | 1997-02-26 | 1997-02-26 | Patronage incentive award system incorporating retirement accounts and method thereof |
US08/806,166 | 1997-02-26 |
Publications (3)
Publication Number | Publication Date |
---|---|
WO1998038562A2 WO1998038562A2 (en) | 1998-09-03 |
WO1998038562A3 WO1998038562A3 (en) | 1998-12-17 |
WO1998038562B1 true WO1998038562B1 (en) | 1999-01-21 |
Family
ID=25193474
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US1998/003505 WO1998038562A2 (en) | 1997-02-26 | 1998-02-23 | A patronage incentive award system incorporating retirement accounts and method thereof |
Country Status (3)
Country | Link |
---|---|
US (1) | US5991736A (en) |
AU (1) | AU6536298A (en) |
WO (1) | WO1998038562A2 (en) |
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1998
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- 1998-02-23 AU AU65362/98A patent/AU6536298A/en not_active Abandoned
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