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WO1998028699A1 - Systeme et procede pour la gestion d'un programme d'incitation au moyen du credit - Google Patents

Systeme et procede pour la gestion d'un programme d'incitation au moyen du credit Download PDF

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Publication number
WO1998028699A1
WO1998028699A1 PCT/US1997/010773 US9710773W WO9828699A1 WO 1998028699 A1 WO1998028699 A1 WO 1998028699A1 US 9710773 W US9710773 W US 9710773W WO 9828699 A1 WO9828699 A1 WO 9828699A1
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WO
WIPO (PCT)
Prior art keywords
participant
program
credit
credit card
incentive award
Prior art date
Application number
PCT/US1997/010773
Other languages
English (en)
Inventor
Michael L. Fraser
Original Assignee
Meridian Enterprises, Inc.
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 Meridian Enterprises, Inc. filed Critical Meridian Enterprises, Inc.
Priority to AU34973/97A priority Critical patent/AU3497397A/en
Publication of WO1998028699A1 publication Critical patent/WO1998028699A1/fr

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Classifications

    • 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

Definitions

  • the present invention generally relates to the field of computer programming and data processing systems for incentive award programs and, more particularly, to a system and method for administration of an incentive award program through the use of credit.
  • incentive companies have contracted with a sponsoring company for providing an incentive program to promote the sales of the sponsoring company's products or services, or to improve the performance of the sponsoring companies' personnel.
  • the products or services promoted might have been of a specific nature, such as a certain model product, or have been broader, such as a full product line of the sponsor.
  • the usual Participants in such incentive programs comprise the sponsor's employees, the sponsor's customers and their employees, and/or independent contractors for the company's products or services or the end consumer who ultimately purchases the company's products or services. Rules are established in order for the Participants to earn awards under the programs. These rules vary depending upon what the sponsor hopes to achieve. Typically, with such programs, a certain objective or goal is established for each Participant. These goals or objectives can vary depending upon the selection of the sponsoring company. The Participant's goal may be based on a certain percentage increase over that Participant's performance during the previous year, for example. Or the goal may be simply to buy or sell as many units of a certain product as possible, regardless of the previous year's or previous time period's performance .
  • the incentive programs heretofore known have had a number of drawbacks.
  • an incentive company will employ a combination of both kinds in the distribution of merchandise. With one kind, the incentive company has its own warehousing facilities to store the merchandise. The incentive company buys the merchandise from manu acturers or distributors, and stocks its warehouses with the merchandise. The incentive company has catalogs prepared which show the merchandise stocked by the incentive company. If a Participant qualifies for an award of merchandise, the Participant is limited to the merchandise shown in the catalog.
  • the items of merchandise which can be ordered through the catalog depend on the amount of points achieved by the Participant. Hence a Participant who has earned more points under the incentive program can order more expensive merchandise, or more items of merchandise, than one having a lesser accumulation of incentive points, within certain limits.
  • This warehousing has the disadvantage of tying up the incentive company's money in the inventory stockpile. This money is not drawing interest and is not being used while the inventory sits in the warehouse. Incentive companies can overestimate the amount of total achievement of the Participants under the various incentive programs it is providing, in which case the amount of merchandise to be ordered is less than expected, resulting in an overstocking of merchandise. This exacerbates the inventory drain since the merchandise sits in the warehouse for even a longer time. In fact, because of such a long duration of being stockpiled, some of the merchandise may have to be sold on the general market in order to become rid of it.
  • the incentive company underestimates the total performance of Participants in its incentive programs, then it may be understocked in the items of merchandise requested. This delays shipment and delivery of the requested merchandise, causing the Participant aggravation and dissatisfaction with the sponsor and the incentive company. Moreover, since these later purchases may not be in bulk, or because of price increases, the cost to the incentive company can be escalated above initial costs .
  • Another problem with such warehousing is that in order to counter problems of excessive inventory and to continually have merchandise readily available, the incentive companies tend to stock many of the same items year after year.
  • the Participants become bored with having the same old merchandise choices, or a selection with little variety. Accordingly, Participants have little motivation to achieve an award in which they have little interest. Additionally, after the Participants acquire a certain number of the merchandise items through prior programs, they have no use for more of the same when the merchandise is again offered later.
  • the incentive company is motivated to buy merchandise in bulk in order to get better cost breaks.
  • the incentive companies are encouraged to limit the number of items available. This also leads to stocking the same old merchandise over long time periods, which results in the Participants having the same boring choices over the years and becoming jaded after a certain degree of exposure to the incentive programs.
  • the incentive company has to properly maintain warehouse conditions, such as temperature and humidity, to preserve the merchandise, as well as take precautions to prevent theft or fire. Accommodations to receive the goods, stack or arrange them, as well as record their location, their entry and departure, are also needed. Some incentive companies have also found it desirable to maintain a number of warehouses throughout the country for better distribution.
  • the warehousing system has problems associated with shipping merchandise by the incentive company to the Participant. These include merchandise being damaged in transit, not only causing frustration to the Participant, but necessitating the incentive company spending time and effort to package and ship merchandise once again to the Participant. The system entails the administrative procedures and additional cost of insuring the merchandise not only during warehousing, but during its shipment.
  • the incentive company does not have its own warehouses. Rather, it has contracts with suppliers or distributors of products to meet the obligations to Participants. With this type of system, there are the aforesaid problems of goods damaged during shipment leading to Participant aggravation.
  • the incentive programs which award paid trips also have drawbacks.
  • One problem is that there is usually only one vacation spot to select from if the goal is met.
  • Participants in one geographical area such as in the eastern half of the U.S., are awarded a trip to a spot in Florida, for example, while those in the western half of the U.S. are awarded a vacation to a different spot such as Hawaii.
  • each Participant is limited to choosing only one vacation spot.
  • the incentive program's administrator may make a payment to the cardholder's account based upon charge amounts and any available program earnings.
  • the Participant/cardholder is then responsible for any outstanding balances above the amount paid by the incentive program administrator. He may choose to pay this amount or allow the balance to revolve, thereby accruing interest charges until paid.
  • points earned by the Participant in the incentive program are not converted to dollars until purchases are posted to the cardholder's account. At that time, any available points are converted to dollars and the incentive program administrator makes a payment to the credit card issuer (i.e. the bank that issues the credit card).
  • the incentive program administrator retains the money earned through the incentive program until such time as the program Participant makes a purchase with his credit card.
  • This system has the more complicated feature that the incentive program administrator must keep track of points earned through the incentive program and then convert these points to dollars only when and if the Participant makes a purchase with the credit card. There is a significant amount of administrative overhead with the point tracking and dollar conversion processes.
  • Another complication of this system is that the participant's credit history must be reviewed in order to determine their credit line. Although this system still guarantees a credit card account for each participant (albeit with a low credit line for Participants with poor credit) , some clients have an aversion to putting all of the participants through a credit review process.
  • a third prior art incentive award program uses either a debit card or a purchase card product.
  • Such systems usually feature a limited use functionality, i.e. the card is limited to a very select group of retailers and/or service, providers.
  • the incentive program administrator or the sponsor underwrites the credit liability and as a result is issued the master cardholder's account.
  • the Participant Upon earning awards in the incentive program, the Participant is then issued a sub-account of the master account.
  • the spending limit is established as the Participant's available earnings in the program. The Participant may then use this limit to make purchases utilizing the card. These purchases will then downgrade the spending limit on the cardholders sub-account.
  • the incentive program administrator will then make a payment to the master account based upon charge amounts from all sub-accounts in a cycle period after settlement and posting of the purchase transactions into the master account.
  • There is a post-reconciliation process where the sub-account charges are then applied to downgrade the available earnings associated with each particular sub-account and to reestablish a sub-account spending limit based upon the remaining available earnings.
  • Such a system exhibits the obvious drawback that the card is usable at a limited number of retailers and/or service providers.
  • charges are made to the Participant's sub-accounts and are then credited at a later time by a payment from the incentive program administrator. Because each of the sub-accounts is underwritten by the sponsor's master account, the sponsor is exposed to credit liability for the charges made to the sub-accounts until such time as those charges have been covered by the incentive program administrator .
  • the present invention relates to a system and process to administer an incentive award program through the use of a zero-limit credit instrument.
  • the present invention allows incentive program Participants to take advantage of any incentive program earnings as a pre-payment to their card accounts. There is therefore no up-front credit liability for either the Participant, or the incentive program administrator.
  • the Participants in the incentive program are issued a credit card account with a zero credit limit.
  • a monetary payment is issued to the Participant's credit card account. While the account's credit limit remains at zero, purchases may be made by authorizing purchase transactions against an outstanding positive balance on the account.
  • Such authorization then temporarily lowers the outstanding balance until settlement and posting of the purchase transaction into the Participant's account, which then permanently downgrades the outstanding balance.
  • This purchase transaction is effectively paid for by the pre-paid positive balance created in the Participant's account by the incentive program administrator.
  • a method for administration of an incentive award program through the use of credit comprising the steps of a) providing electronic incentive award program enrollment forms to potential program participants via an Internet link; b) receiving completed electronic enrollment forms from actual program participants via said Internet link; c) causing a credit provider to issue a zero limit credit card account to each of said actual program participants, wherein said credit card account is not linked to a demand deposit account of said actual program participant; d) creating a first database containing participant credit card account information for all of said actual program participants; e) creating a second database containing participant performance data for all of said actual program participants; f) using computer data processing means to calculate an incentive award for each actual program participant based upon said participant performance data; and g) causing a credit balance of each of said credit card accounts to be increased in proportion to said calculated incentive award for each actual program participant, wherein purchases may be made against said credit balance.
  • FIG. 1 is a schematic process flow chart for a preferred embodiment enrollment process of the present invention.
  • FIG. 2 is a schematic system dataflow diagram for a database population portion of the process of FIG. 1.
  • FIG. 3 is a schematic system dataflow diagram for an enrollment form processing portion of the process of FIG. 1.
  • FIG. 4 is a schematic process flow diagram for a preferred embodiment earnings issuance process of the present invention.
  • FIG. 5 is a schematic system dataflow diagram for the process of FIG. 4.
  • FIG. 6 is a schematic process flow diagram for a preferred embodiment account issuance process of the present invention.
  • FIG. 7 is a schematic system dataflow diagram for the process of FIG. 6.
  • FIG. 8 is a schematic process flow diagram for a preferred embodiment account payment process of the present invention.
  • FIG. 9 is a schematic system dataflow diagram for the process of FIG. 8.
  • FIG. 10 is a schematic process flow diagram for a preferred embodiment account reconciliation process of the present invention.
  • FIG. 11 is a schematic system dataflow diagram for the process of FIG. 10.
  • FIG. 12 is a schematic process flow diagram for a preferred embodiment account cancellation process of the present invention.
  • FIG. 13 is a schematic system dataflow diagram for the process of FIG. 12. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENT
  • Enrollment Process the process of populating the computer database with the participation universe, the production of enrollment forms and the subsequent processing of the completed forms from the Participant to facilitate the issuance of the credit card.
  • Participant based upon this information, invoicing data is prepared and delivered to the sponsoring Client and card payment information is produced to prepare for remittance to the Bank.
  • Account Issuance Process the process associated with establishing an account, issuing a credit card, and the activation of the account for Participants. This occurs at the point when the Participant is awarded earnings in the incentive program for the first time.
  • Account Payment Process the process of applying payment to cardholder accounts and the remittance of payment to the issuing Bank.
  • Account Reconciliation Process the post payment reconciliation and maintenance of accounts between those on the Bank Processor files and those on the incentive card program database.
  • Account Cancellation Process the process involved in the cancellation of the Participant's card account and the subsequent crediting back to the Program Administrator Client for any unredeemed program earnings.
  • each box contains a heading denoting the functional group responsible for that sub-process.
  • the functional group pertains to both the systems and resources responsible for carrying out that activity in the process box. The following is a brief description of the functions that are referenced throughout the remainder of this document:
  • Administration the incentive agency automated systems and resources responsible for incentive program enrollment, performance tracking and feedback reporting.
  • Bank the Bank responsible for the traditional Bank operations involved with credit instruments (i.e.: card issuance, customer service, etc.).
  • Incentive Card Admin the systems and resources responsible for the activity associated with driving the unique interfaces between the functional areas.
  • Participant the individual that participated in the incentive program by enrolling, receiving awards earnings and utilizing the credit card for redemption of these earnings A. Enrollment Process
  • FIG. 1 A flowchart of the enrollment process is illustrated in FIG. 1.
  • This process begins at 10 by populating the incentive program database with Participant information by the Administration group.
  • This Participant information is provided by the Client via magnetic media, hard copy data or in any other convenient format. If hard copy data is provided, this data is key entered via an on-line computer application. If the source is magnetic media (or other machine readable media), it is applied to the file via a batch computer program.
  • the Participant information may be names, addresses and/or social security numbers of prospective Participants, or it may be some other criteria identifying eligibility to participate in the program (i.e. employer name, address and the unique identifying number).
  • a prepared mailing list may also be used as the input feed to populate the database. Such a mailing list is used to send enrollment forms to a target audience when the Client does not have a specific list of desired Participants for the incentive award program.
  • the Administration group will prepare enrollment forms at 12 and forward them at 14 to the Participant universe as defined by the information that is on the program database.
  • the enrollment forms may be hard copy paper forms or electronic forms that may be accessed through Internet connectivity. In the latter case, the Participant universe will be informed of the Internet address to access this form through either traditional mail or electronic mail. As an alternative, both hard copy and electronic forms may be made available to the Participant universe.
  • the Participant Upon receipt of the enrollment form, the Participant will complete and forward the form at step 16 to the Incentive Card Administration group. With the hard copy form, this is done via mail or facsimile transmission. With the electronic form, the information is transmitted via the Internet to a queuing file for application to the incentive card database. The Incentive Card Administration group will then process the completed enrollment form at 18 in order to apply the information to add or update the Participant information on the incentive card database. If the completed form was received via mail or facsimile, this editing and updating of information is performed via an on-line computer application. If the information was received through electronic transmission, a batch computer program application is utilized to accomplish this task. In certain situations, it may be possible to skip the enrollment process by using an auto-enrollment plan.
  • the Incentive Card Administration group will create welcome letters at 20 for the newly enrolled Participants, notifying them that receipt and processing of their enrollment is complete. This letter is personalized using a computer application program. The letter is then forwarded to the Participant at 22.
  • FIGS. 2 and 3 The system dataflow diagrams for the enrollment process of FIG. 1 are illustrated in FIGS. 2 and 3.
  • a Participant database file 24 is received from the Client and is applied at 26 to the incentive card database files 28.
  • the incentive card database files 28 are used to produce physical enrollment forms at 30-32 which are then forwarded to each Participant at 34 along with appropriate program literature.
  • Participant information is loaded to an Internet access file at 36 from the incentive card database files 28. This information is then transferred to the Internet access database 38.
  • FIG. 3 illustrates the system dataflows once information has been returned by the Participants.
  • enrollment certificates For completed enrollment certificates received from the Participants via mail or facsimile transmission at 40, the enrollment certificates are reviewed and assembled into batches at 42.
  • the batched enrollment forms are queued at 44 for on-line entry/editing of the enrollment forms at 46.
  • the information entered and edited at 46 is applied to the incentive card database files 28.
  • Batch control listings and batch totals are also produced at 48 and are forwarded for review, proof and correction of information at 50. Proofed and corrected information is transmitted from 50 to 46 for entry into the incentive card database files 28.
  • Participant enrollment information which is entered into the Internet at 52 is retrieved from the Internet access database 38 and applied to the incentive card database files 28 at 54.
  • Control listings and totals for the enrollment certificates received from the Internet are assembled at 56 and submitted for review, proof and correction of the information at 50.
  • the performance of each Participant is compared to the performance criteria established by the Client in order to determine the program award earnings which have been earned by the Participant.
  • the performance criteria may simply be the purchase of products from the Client.
  • the Participant may be credited with a rebate based upon the total amount of purchases from the Client (e.g. 2% of the total amount purchased during the cycle period) .
  • the earnings issuance process of the present invention reviews Participant performance information and calculates the award earnings which are to be credited to the Participant's account based upon this information. This process prepares invoicing data for delivery to the sponsoring Client and card payment information for remittance to the Bank.
  • the Administration group applies Participant performance data to the program database at 68 for the current cycle period.
  • This performance data may be provided by the Client and/or the Participant.
  • the performance data may take the form of machine readable media (e.g. magnetic media) or hard copy. If hard copy data is provided, the data is key entered and edited via an on-line computer application. If the source data is machine readable, it is edited and applied to the file via a batch computer program.
  • the Administration group executes a computer software application at 70 in order to calculate and update program award earnings on the Participant's database records. As the program award earnings are calculated at 70, a computer application module is applied at 72 in order to perform the Earnings Issuance function.
  • This computer application module performs several functions.
  • the module calculates and updates the incentive card earnings fields in the database for each Participant. It also calculates invoicing information based upon current period awards earnings issued less any credits as a result of cancelled card adjustments (see Section F hereinbelow) . Additionally, the module calculates and updates payment amounts for each Participant's account based upon the new earnings amount (these earnings are disbursed as documented in Section D hereinbelow) .
  • the application module also produces control reporting at 74 for verification and balancing for subsequent processes (i.e. the account issuance and account payment processes) .
  • a payment transaction is electronically passed into the accounting system database at 76 in order to establish an accounts payable entry. Additionally, the module will forward a payment request and detailed report to the Accounting department at 78 for documentation purposes. The report will display the accounts payable transaction as well as the Participant details upon which the transaction is based.
  • an issuance invoicing data transaction is electronically passed into the Accounting system database at 80 in order to establish an accounts receivable transaction in the system.
  • a report of all issuance invoicing is forwarded to the Accounting department at 82 for documentation purposes.
  • the report displays the accounts receivable transaction as well as the individual Participant details upon which the transaction is based.
  • a computer generated invoice is produced at 82 and this document is forwarded to the Accounting department.
  • the Accounting department forwards the invoice to the Client at 84.
  • the Client reviews the invoice and remits payment via an electronic wire transfer of funds at 86.
  • the Accounting group will perform an on-line update to the accounts receivable database at 88 in order to update the entry as paid.
  • the system dataflow diagram for the Earnings Issuance process of FIG. 4 is illustrated in FIG. 5.
  • the Participant performance data 90 for the cycle period is applied at 92 to the incentive card database files 28.
  • a Participant performance proof listing is also generated at 94.
  • the Participant performance data within the incentive card database files 28 is utilized in order to perform the Client program specific award calculation at 96. This calculation is used to produce the Client program specific award calculation proof listing at 98, which is balanced against the Participant performance proof listing 94 at 100.
  • the award calculation generated at 96 is used by the incentive card point invoicing submodule 102 in order to initiate payment to the Participant's account and invoicing to the Client.
  • the invoicing submodule 102 provides the award amount for each Participant to the Accounting receivable and payable database files 104.
  • the invoicing submodule 102 additionally creates an incentive card point calculation proof listing and control totals 106 which are balanced against the Client program specific award calculation proof listing 98 at 108.
  • the award calculation data from the invoicing submodule 102 is additionally used to create the incentive card point issuance invoice and details 110 which are forwarded at 112 for submission to the Client. This data summarizes the award that has been paid to the Participant by the Incentive Card Administration and requests payment from the Client for this amount. This information is additionally reflected in the incentive card card issuance control report 114.
  • the invoicing submodule 102 produces the incentive card payment proof listing and control totals 116 which are forwarded to the Accounting group at 118.
  • the Account Issuance process flow chart is illustrated in FIG. 6. This process flow is entered from the control reporting production step 74 of FIG. 4.
  • the Incentive Card Administration group executes a computer application at 120 that will process the database and select those Participants that have been issued earnings for the first time.
  • Step 120 assigns an account number, updates the Participant database record and produces a new account transaction record.
  • a second computer application electronically transmits the new account transaction file to the Bank.
  • the new account transaction file is then applied at 122 to the cardholder account database via a batch computer application in order to establish a cardholder account for the Participant. This account will be established with an inactive status.
  • the Bank then executes a computer application at 124 which processes the newly added cardholder account records and produces embossed credit cards for each of these accounts.
  • the cards are then forwarded to the Participants along with the appropriate card usage literature (i.e. instructions on use of the card, etc) .
  • the Participant receives the card and literature via mail at 126.
  • the Participant activates the account by performing a telephone call into a computer programmed intelligent voice response unit at 128. This system will prompt the caller to enter identifying information using the touchtone pad on the telephone. The system will then process this input by verifying it against information on the cardholder account database record and update the record to activate the account .
  • the system dataflow for the Account Issuance process of FIG. 6 is illustrated in FIG. 7.
  • the incentive card database files 28 are accessed at 130 in order to identify new Participants.
  • An account number is assigned at 130, and an application transaction file is also created.
  • This information is applied to the application transaction file 132 and is also use to generate a proof listing, control totals and control panels at 134.
  • the application transaction information 134 is reviewed, verified and balanced at 136 with the incentive card card issuance control report 114 from FIG. 5.
  • the control totals and control panel are forwarded to the Bank at 138.
  • the information from the application transaction file 132 is transmitted to the Bank processor at 140 and transmission control totals are generated at 142. These control totals are reviewed at 144 in order to assure successful transmission to the Bank by comparing them to the control totals 138 at 146.
  • the Account Payment process is illustrated in FIG. 8.
  • the Accounting department Upon receipt of the payment request from the Incentive Card Administration Group (78 in FIG. 4), the Accounting department remits payment to the Bank via electronic wire transfer of funds at 148. The Bank receives these funds at 150 and confirms receipt of payment.
  • the Incentive Card Administration group processes a computer application to access the database at 152, create monetary transaction records, and update the Participant's database records with the current cycle payment amounts.
  • the monetary transaction file is then electronically transferred to the Bank processor at 154.
  • the Bank processor executes a computer application to apply the monetary transactions to the cardholder database and to update the outstanding balances of the Participant's accounts at 156.
  • the Bank processor then performs the normal account cycle processing at 158.
  • a positive credit balance is created in the Participant's account, and the Participant may use the card at 164 in order to make purchase transactions. These transactions will then be applied to the Participant's account at 166 and will downgrade the account's outstanding credit balance. These purchase transactions will appear on the subsequent cycle account statement.
  • the final step in the Account Payment process of FIG. 8 is the creation of the account balance and status file by the Bank processor at 168. This file is electronically transmitted to the Incentive Card Administration group for input into the Account Reconciliation process (see FIG. 10).
  • the system dataflow diagram for the account payment process of FIG. 8 is illustrated in FIG. 9.
  • the incentive card database files 28 are accessed at 170 in order to create the monetary transaction files 172.
  • a monetary transactions detail listing and control totals 174 is also produced and is balanced against the incentive card payment proof listing and control totals 116 from FIG. 5 at 176.
  • the control totals and samples are forwarded to the Bank at 178 along with a wire transfer of funds at 180.
  • the application transaction file is transmitted to the Bank processor at 182 and the control totals are transmitted at 184. These are reviewed to assure that a successful transmission has been completed at 186, and the control totals and wire transfer funds are reviewed at 188 in order to assure correct application of funds to each of the Participant's accounts.
  • the Incentive Card Administration group receives the account balance and status file via electronic transmission (step 168, FIG. 8) at 190 and processes a computer application to apply the transaction records to the incentive card system database at 192.
  • the status of the Participant database record is updated at 194 for those accounts that the input file denotes as closed and the card has been retracted.
  • the replacement account number is updated at 196 on the incentive card database record for
  • the system dataflow diagram for the Account Reconciliation process of FIG. 10 is illustrated at FIG. li.
  • the account balance and status file is received from the Bank processor at 206 and applied to the account balance and status file 208. Transmission and control totals are generated at 212 and are reviewed at 214 in order to assure successful transmission of the data.
  • the account balance and status file 208 is compared with information from the incentive card database files 28 at 210 in order to perform account reconciliation and balancing. Any necessary monetary adjustment transactions are generated at 216 and transmitted to the Bank processor at 218. Transmission control totals for this transmission are created at 220 and reviewed at 222 in order to assure successful transmission of the information.
  • a proof listing, control totals and error report is generated at 223 and reviewed at 224, where the Incentive Card Administration group coordinates with the Bank on any identified errors.
  • the correction letters are produced at 226 and forwarded to Participants at 228.
  • the Account Cancellation process is illustrated in FIG. 12.
  • Incentive card Participant cancellations are received as input via written requests from the Client or the Participant at 230.
  • the Incentive Card Administration group updates the Participant record on the program database with a cancelled enrollment status via an on-line computer application at 222.
  • the Incentive Card Administration group then processes a computer application that will process all new cancelled Participant records. This application will adjust available earnings to zero and move this negative adjustment to a current period and program date on the Participant database record at 234. This information is used as input to the Earnings Issuance process of FIG. 4 in order to credit the Client during preparation of the issuance invoicing.
  • the Incentive Card Administration group processes a computer application to generate a cardholder account cancellation transaction record at 236 which is electronically transmitted to the Bank processor.
  • the Bank processor applies such transactions via a batch computer application.
  • This application updates the cardholder account database record at 238 with a cancelled status.
  • the Incentive Card Administration group receives confirmation of the account cancellations during the account reconciliation process of FIG. 10.
  • FIG. 13 The system dataflow diagram for the account cancellation process of FIG. 12 is illustrated in FIG. 13. Requests for account cancellations are received at 240 and reviewed at 242. The Participant's status is updated on-line at 244 and the Participant's incentive card points are transferred to 46. The incentive card database files 28 are updated to reflect this information. A transfer audit report 248 is printed at 250 and filed at 252. A card cancellation transaction file 256 is created at 254. The cancellation transaction file is transmitted to the Bank processor at

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Abstract

Système et procédé pour la gestion d'un programme d'incitation au moyen d'un instrument de crédit à limite zéro. Le système de l'invention permet aux participants au programme d'incitation de profiter de tout gain dudit programme, sous forme de paiement anticipé sur leur compte de carte. Un compte de carte de crédit à limite de crédit zéro est attribué aux participants au programme d'incitation. Lors de la remise des gains dans le cadre du programme d'incitation, un montant pécuniaire est versé sur le compte (156) de la carte de crédit du participant. Alors que la limite de crédit du compte reste à zéro, les achats (164) peuvent s'effectuer sur autorisation de transactions d'achat contre un solde excédentaire non compensé. Ladite autorisation réduit ensuite temporairement le solde excédentaire non compensé jusqu'à ce que la transaction d'achat ait été réalisée et reportée sur le compte du participant, ce qui entraîne la révision à la baisse du solde non compensé (166).
PCT/US1997/010773 1996-12-24 1997-06-20 Systeme et procede pour la gestion d'un programme d'incitation au moyen du credit WO1998028699A1 (fr)

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AU34973/97A AU3497397A (en) 1996-12-24 1997-06-20 System and method for administration of an incentive award program through use of credit

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US77368396A 1996-12-24 1996-12-24
US08/773,683 1996-12-24

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WO1998028699A1 true WO1998028699A1 (fr) 1998-07-02

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PCT/US1997/010773 WO1998028699A1 (fr) 1996-12-24 1997-06-20 Systeme et procede pour la gestion d'un programme d'incitation au moyen du credit

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AU (1) AU3497397A (fr)
CA (1) CA2210218A1 (fr)
WO (1) WO1998028699A1 (fr)

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WO2000021004A1 (fr) * 1998-10-05 2000-04-13 Walker Digital, Llc Procede et appareil permettant d'accorder une reduction a un client qui participe a des transactions chez plusieurs commmerçants
WO2000039723A2 (fr) * 1998-12-28 2000-07-06 Walker Digital Llc Procede et appareillage permettant de proposer une souscription a un produit dans un environnement de vente au detail
WO2000045315A1 (fr) * 1999-01-27 2000-08-03 Cuckleburr.Com, Inc. Systeme informatique pour faciliter les transactions sur marchandises
EP1076308A1 (fr) * 1999-08-13 2001-02-14 Prestadis S.N.C., Société en Nom Collectif Site commercial comprenant au moins un espace de loisirs et système informatique de gestion
WO2001029733A2 (fr) * 1999-10-15 2001-04-26 Cuckleburr.Com, Inc. Systeme de traitement de donnees facilitant les transactions de marchandises
WO2000075855A3 (fr) * 1999-06-04 2001-06-28 Receiptcity Com Inc Systeme de gestion d'informations transactionnelles de consommateur accompagnant le consommateur
WO2001052171A1 (fr) * 2000-01-14 2001-07-19 H & R Block Tax Services, Inc. Organes de depense pour paiements
WO2002073557A1 (fr) * 2001-03-14 2002-09-19 Centro Della Comunicazione Interattiva S.P.A. Procede de gestion de modules portatifs de paiement/d'imputation
KR100375554B1 (ko) * 2001-02-19 2003-03-10 주식회사 두루넷쇼핑 신용카드를 이용한 선보상 시스템 및 방법
KR100386265B1 (ko) * 2000-12-29 2003-06-02 주식회사 두루넷쇼핑 부채포인트를 이용한 선보상 시스템 및 방법
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US6980962B1 (en) 1999-03-02 2005-12-27 Quixtar Investments, Inc. Electronic commerce transactions within a marketing system that may contain a membership buying opportunity
US7010507B1 (en) 1995-10-04 2006-03-07 Block Financial Corporation System providing funds to electronic tax filers prior to receipt of refund
US7127425B1 (en) 2000-01-14 2006-10-24 H & R Block Tax Services, Inc. System and method for providing a loan to a taxpayer based on a pre year-end tax refund
US7162434B1 (en) 1997-05-05 2007-01-09 Walker Digital, Llc Method and apparatus for facilitating the sale of subscriptions to periodicals
US7177829B1 (en) 1999-07-16 2007-02-13 H & R Block Tax Services, Inc. Tax refund system
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US7359871B1 (en) 1999-03-02 2008-04-15 Alticor Investments Inc. System and method for managing recurring orders in a computer network
US7451892B2 (en) 1997-03-21 2008-11-18 Walker Digital, Llc Vending machine system and method for encouraging the purchase of profitable items
US7499769B2 (en) 2003-07-30 2009-03-03 Walker Digital, Llc Products and processes for vending a plurality of products via defined groups
US7546277B1 (en) 1997-10-09 2009-06-09 Walker Digital, Llc Method and apparatus for dynamically managing vending machine inventory prices
US7571116B1 (en) 1997-05-09 2009-08-04 Symbol Technologies, Inc. System for consumer-transaction information that follows the consumer
US7577496B2 (en) 2000-08-22 2009-08-18 Walker Digital, Llc System for vending physical and information items
US7587333B1 (en) 1997-08-26 2009-09-08 Walker Digital, Llc Method and apparatus for vending products
US7729988B1 (en) 1997-03-21 2010-06-01 Walker Digital, Llc Method and apparatus for processing credit card transactions
US7827057B1 (en) 1998-10-05 2010-11-02 Walker Digital, Llc Method and apparatus for providing cross-benefits based on a customer activity
US7827056B2 (en) 1996-09-04 2010-11-02 Walker Digital, Llc Method and apparatus for facilitating electronic commerce through providing cross-benefits during a transaction
US8630916B2 (en) 1998-12-31 2014-01-14 Inventor Holdings, Llc System and method for encouraging competitive participation in an auction
US9171316B2 (en) 1997-08-26 2015-10-27 Inventor Holdings, Llc Method and apparatus for vending a combination of products
US10026120B2 (en) 2012-01-06 2018-07-17 Primerevenue, Inc. Supply chain finance system
US10592943B2 (en) 2011-05-20 2020-03-17 Primerevenue, Inc. Supply chain finance system
US11694171B2 (en) 2012-02-15 2023-07-04 Ingo Money, Inc. Funds network and method

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US7010507B1 (en) 1995-10-04 2006-03-07 Block Financial Corporation System providing funds to electronic tax filers prior to receipt of refund
US8543451B2 (en) 1996-09-04 2013-09-24 Walker Digital, Llc Method and apparatus for facilitating electronic commerce through providing cross-benefits during a transaction
US8234164B2 (en) 1996-09-04 2012-07-31 Walker Digital, Llc Method and apparatus for facilitating electronic commerce through providing cross-benefits during a transaction
US7831470B1 (en) 1996-09-04 2010-11-09 Walker Digital, Llc Method and apparatus for facilitating electronic commerce through providing cross-benefits during a transaction
US7827056B2 (en) 1996-09-04 2010-11-02 Walker Digital, Llc Method and apparatus for facilitating electronic commerce through providing cross-benefits during a transaction
US7451892B2 (en) 1997-03-21 2008-11-18 Walker Digital, Llc Vending machine system and method for encouraging the purchase of profitable items
US7729988B1 (en) 1997-03-21 2010-06-01 Walker Digital, Llc Method and apparatus for processing credit card transactions
US8706632B2 (en) 1997-03-21 2014-04-22 Inventor Holdings, Llc Method and apparatus for processing credit card transactions
US7162434B1 (en) 1997-05-05 2007-01-09 Walker Digital, Llc Method and apparatus for facilitating the sale of subscriptions to periodicals
US7571116B1 (en) 1997-05-09 2009-08-04 Symbol Technologies, Inc. System for consumer-transaction information that follows the consumer
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
US9171316B2 (en) 1997-08-26 2015-10-27 Inventor Holdings, Llc Method and apparatus for vending a combination of products
US7587333B1 (en) 1997-08-26 2009-09-08 Walker Digital, Llc Method and apparatus for vending products
US7546277B1 (en) 1997-10-09 2009-06-09 Walker Digital, Llc Method and apparatus for dynamically managing vending machine inventory prices
US8892470B2 (en) 1997-12-19 2014-11-18 Walker Digital, Llc Pre-sale data broadcast system and method
US7236942B1 (en) 1997-12-19 2007-06-26 Walker Digital, Llc Pre-sale data broadcast system and method
US6405174B1 (en) 1998-10-05 2002-06-11 Walker Ditial, Llc Method and apparatus for defining routing of customers between merchants
US7496523B2 (en) 1998-10-05 2009-02-24 Walker Digital, Llc Method and apparatus for defining routing of customers between merchants
WO2000021005A1 (fr) * 1998-10-05 2000-04-13 Walker Digital, Llc Procede et appareil permettant de definir l'acheminement de clients entre des commerçants
US8751297B2 (en) 1998-10-05 2014-06-10 Inventor Holdings, Llc Method and apparatus for defining routing of customers between merchants
US7827057B1 (en) 1998-10-05 2010-11-02 Walker Digital, Llc Method and apparatus for providing cross-benefits based on a customer activity
WO2000021004A1 (fr) * 1998-10-05 2000-04-13 Walker Digital, Llc Procede et appareil permettant d'accorder une reduction a un client qui participe a des transactions chez plusieurs commmerçants
US7099832B2 (en) 1998-10-05 2006-08-29 Waler Digtal, Llc Method and apparatus for defining routing of customers between merchants
WO2000039723A3 (fr) * 1998-12-28 2000-12-21 Walker Digital Llc Procede et appareillage permettant de proposer une souscription a un produit dans un environnement de vente au detail
WO2000039723A2 (fr) * 1998-12-28 2000-07-06 Walker Digital Llc Procede et appareillage permettant de proposer une souscription a un produit dans un environnement de vente au detail
US7251617B1 (en) 1998-12-28 2007-07-31 Walker Digital, Llc Method and apparatus for managing subscriptions
US7613631B2 (en) 1998-12-28 2009-11-03 Walker Digital, Llc Method and apparatus for managing subscriptions
US8630916B2 (en) 1998-12-31 2014-01-14 Inventor Holdings, Llc System and method for encouraging competitive participation in an auction
US6484147B1 (en) 1999-01-27 2002-11-19 Edexpress, Inc. Data processing system for facilitating merchandise transactions
WO2000045315A1 (fr) * 1999-01-27 2000-08-03 Cuckleburr.Com, Inc. Systeme informatique pour faciliter les transactions sur marchandises
US6980962B1 (en) 1999-03-02 2005-12-27 Quixtar Investments, Inc. Electronic commerce transactions within a marketing system that may contain a membership buying opportunity
US7359871B1 (en) 1999-03-02 2008-04-15 Alticor Investments Inc. System and method for managing recurring orders in a computer network
US7716130B2 (en) 1999-05-03 2010-05-11 William James Duncan Invoiceless trading and settlement method and system
US7266525B1 (en) * 1999-05-03 2007-09-04 Fast 101 Pty Ltd. Invoiceless trading and settlement method and system
US8762273B1 (en) 1999-05-03 2014-06-24 Fast 101 Pty Ltd. Invoiceless trading and settlement method and system
US9811817B2 (en) 1999-05-03 2017-11-07 Fast 101 Pty Ltd. Invoiceless trading and settlement method and system
US8515867B1 (en) 1999-05-03 2013-08-20 Fast 101 Pty Ltd. Invoiceless trading and settlement method and system
US8660947B2 (en) 1999-05-03 2014-02-25 Fast 101 Pty Ltd. Invoiceless trading and settlement method and system
US10115098B2 (en) 1999-05-03 2018-10-30 Fast 101 Pty Ltd Invoiceless trading and settlement method and system
WO2000075855A3 (fr) * 1999-06-04 2001-06-28 Receiptcity Com Inc Systeme de gestion d'informations transactionnelles de consommateur accompagnant le consommateur
US7177829B1 (en) 1999-07-16 2007-02-13 H & R Block Tax Services, Inc. Tax refund system
FR2797506A1 (fr) * 1999-08-13 2001-02-16 Prestadis S N C Site commercial comprenant au moins un espace de loisirs et systeme informatique
EP1076308A1 (fr) * 1999-08-13 2001-02-14 Prestadis S.N.C., Société en Nom Collectif Site commercial comprenant au moins un espace de loisirs et système informatique de gestion
WO2001029733A2 (fr) * 1999-10-15 2001-04-26 Cuckleburr.Com, Inc. Systeme de traitement de donnees facilitant les transactions de marchandises
WO2001029733A3 (fr) * 1999-10-15 2002-01-17 Cuckleburr Com Inc Systeme de traitement de donnees facilitant les transactions de marchandises
AU780582B2 (en) * 2000-01-14 2005-04-07 H & R Block Tax Services, Inc. Spending vehicles for payments
US7127425B1 (en) 2000-01-14 2006-10-24 H & R Block Tax Services, Inc. System and method for providing a loan to a taxpayer based on a pre year-end tax refund
US7072862B1 (en) * 2000-01-14 2006-07-04 H&R Block Tax Services, Inc. Spending vehicles for payments
US8548883B2 (en) 2000-01-14 2013-10-01 H&R Block Tax Services, Llc System and method for providing a loan to a taxpayer
WO2001052171A1 (fr) * 2000-01-14 2001-07-19 H & R Block Tax Services, Inc. Organes de depense pour paiements
US7577496B2 (en) 2000-08-22 2009-08-18 Walker Digital, Llc System for vending physical and information items
US6910697B2 (en) 2000-12-15 2005-06-28 Symbol Technologies, Inc. Shopping cart that enables self-checkout
KR100386265B1 (ko) * 2000-12-29 2003-06-02 주식회사 두루넷쇼핑 부채포인트를 이용한 선보상 시스템 및 방법
KR100375554B1 (ko) * 2001-02-19 2003-03-10 주식회사 두루넷쇼핑 신용카드를 이용한 선보상 시스템 및 방법
WO2002073557A1 (fr) * 2001-03-14 2002-09-19 Centro Della Comunicazione Interattiva S.P.A. Procede de gestion de modules portatifs de paiement/d'imputation
US7340419B2 (en) 2001-03-15 2008-03-04 Walker Digital, Llc Method and apparatus for product display
US7499769B2 (en) 2003-07-30 2009-03-03 Walker Digital, Llc Products and processes for vending a plurality of products via defined groups
EP1907989A1 (fr) * 2003-08-06 2008-04-09 Oneempower PTE Ltd. Procede et systeme de transaction
EP1907989A4 (fr) * 2003-08-06 2009-05-20 Oneempower Pte Ltd Procede et systeme de transaction
US11475492B2 (en) 2010-05-21 2022-10-18 Primerevenue, Inc. Supply chain finance system
US12243083B2 (en) 2010-05-21 2025-03-04 Primerevenue, Inc. Supply chain finance system
US11741513B2 (en) 2010-05-21 2023-08-29 Primerevenue, Inc. Supply chain finance system
US10592943B2 (en) 2011-05-20 2020-03-17 Primerevenue, Inc. Supply chain finance system
US11334942B2 (en) 2012-01-06 2022-05-17 Primerevenue, Inc. Supply chain finance system
US10878498B2 (en) 2012-01-06 2020-12-29 Primerevenue, Inc. Supply chain finance system
US12100042B2 (en) 2012-01-06 2024-09-24 Primerevenue, Inc. Supply chain finance system
US10026120B2 (en) 2012-01-06 2018-07-17 Primerevenue, Inc. Supply chain finance system
US11694171B2 (en) 2012-02-15 2023-07-04 Ingo Money, Inc. Funds network and method

Also Published As

Publication number Publication date
CA2210218A1 (fr) 1998-06-24
AU3497397A (en) 1998-07-17

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