Database computer architecture for managing an incentive award program and checking float of funds at time of purchase
Patent 5734838 Issued on March 31, 1998. Estimated Expiration Date: 
June 7, 2015. 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 7, 2015. 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 ReferencesApparatus and method to control economical systems Investment management system with travel usage funds indexed to customer account status System and method for administration of incentive award program through use of credit Automated purchase reward accounting system and method Centralized consumer cash valve accumulation system for multiple merchants Centralized consumer cash value accumulation system for multiple merchants System for promoting account activity Referral recognition system for an incentive award program Patent #: 5537314 InventorsAssigneeApplicationNo. 486681 filed on 06/07/1995US Classes:705/14, Distribution or redemption of coupon, or incentive or promotion program705/39, Including funds transfer or credit transaction705/43Including Automatic Teller Machine (i.e., ATM)ExaminersPrimary: Hayes, Gail O.Assistant: Poinvil, Frantzy Attorney, Agent or FirmForeign Patent References
International ClassG06F 151/00AbstractIn an advanced intelligent network based information distribution system including a central office switching system connected to communication lines including at least one service switching point for selectively providing switched communications between the communication lines, a network controller arranged for selectively providing control data to effect land line communications, and arranged separately from the central office switching system, an incentive award computer system provides an award to users participating in an incentive award program. The incentive award computer system includes a request transaction processing computer system receiving an electronic transaction by a user, determining whether the electronic transaction is a reward eligible transaction, and generating a transaction request when the electronic transaction is determined to be the reward eligible transaction. In addition, a points calculator processing computer system is provided that determines a reward responsive to the reward eligible transaction represented in the transaction request, assigns the reward to a user record responsive to reward criteria, and generates a reward record representing the reward. The incentive award computer system further includes a points assigning and reporting processing computer system that generates reports and provides access to the user record and the reward by the user responsive to predetermined criteria.Other References
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