DEBIT CARD SYSTEM AND METHOD FOR IMPLEMENTING INCENTIVE AWARD PROGRAM

DEBIT CARD SYSTEM AND METHOD FOR IMPLEMENTING INCENTIVE AWARD PROGRAM

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 au...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser: RESCH, KIM A, ASHBY, TONI L, JACKSON, MARK, RAPP, STEVEN G, CARRITHERS, DAVID C, HUFF, LOWELL, STONE, GAYLA L, STOREY-WALLER, JODY A, MCGUIRE, KELLY K
Format: Patent
Sprache:eng ; fre
Schlagworte:
CALCULATING
CHECKING-DEVICES
COIN-FREED OR LIKE APPARATUS
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung: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 transacti on 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 t o cover the transaction. Otherwise, invalidating data is generated.