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Patent Searching and Data


Title:
FINANCIAL ACCOUNT UP-FRONT INCENTIVES MANAGEMENT SYSTEM AND METHOD
Document Type and Number:
WIPO Patent Application WO2005013062
Kind Code:
A3
Abstract:
A system and method for incentivizing holders of financial accounts, e.g., credit card account holders, to engage in certain activities with those accounts. Account holders may be provided an up-front incentive (11) based on a commitment to engage in certain account activities (14) in the future. If the account holder fails to satisfy his commitment (15), at least a portion of the value of the incentive may be charged (16) to a customer account. Rewards provided to an account holder to encourage particular account activities also may include merchandise rewards, discounts and rebates or entries into a lottery type drawing for prizes.

Inventors:
JOHNSON WAYNE A
RIDDETT ROBERT
Application Number:
PCT/US2004/023873
Publication Date:
April 14, 2005
Filing Date:
July 23, 2004
Export Citation:
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Assignee:
UNIVERSAL INTELLECTUAL PROPERT
International Classes:
G06Q20/00; G06Q30/00; (IPC1-7): G06F17/60
Foreign References:
US6222914B12001-04-24
US6332126B12001-12-18
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