Data processing methods of implementing an award to an authorized user of a credit card
Patent 5513102 Issued on April 30, 1996. Estimated Expiration Date: 
June 28, 2014. Estimated Expiration Date is calculated based on simple USPTO term provisions. It does not account for terminal disclaimers, term adjustments, failure to pay maintenance fees, or other factors which might affect the term of a patent.
June 28, 2014. Estimated Expiration Date is calculated based on simple USPTO term provisions. It does not account for terminal disclaimers, term adjustments, failure to pay maintenance fees, or other factors which might affect the term of a patent.Patent ReferencesTwo-step bank draft Two-part bank draft Divided-paying travelers checks and system High-return lottery process and system Financial instruments and systems Investment lottery process and system Patent #: 5083784 InventorAssigneeApplicationNo. 265070 filed on 06/28/1994US Classes:705/14Distribution or redemption of coupon, or incentive or promotion programExaminersPrimary: McElheny, Donald Jr.Attorney, Agent or FirmInternational ClassG06F 019/00AbstractData processing methods for enhancing the value of a substantially conventional credit card so as to enhance a user's perception of the desireability of holding and using the card and encourage increased use of the card for its normal utility as a payment device. The user earns, for each transaction amount or payment amount of at least a predetermined size, a coupon redeemable by the user for a lottery ticket by which the user has an opportunity to recover at least a portion and potentially in excess of the user's transaction-based expenditures or payments. Transaction amounts or payment amounts in excess of the predetermined size but insufficient to earn an additional coupon are stored and then applied to user transaction or payment amounts during the next-subsequent billing period. | |
