Registers – Systems controlled by data bearing records – Credit or identification card systems
Reexamination Certificate
2008-04-22
2008-04-22
Lee, Michael G. (Department: 2876)
Registers
Systems controlled by data bearing records
Credit or identification card systems
C235S381000, C235S382000, C235S383000, C705S014270, C705S014270, C705S035000, C705S039000
Reexamination Certificate
active
07360693
ABSTRACT:
The present invention comprises an apparatus and method for a card payment instrument providing that a share of program profits above a pre-designated level is returned to participating recipients at pre-designated intervals such as annually. Participants respond to an offer to participate in the mutual benefit program. After admission to the program, the card issuer tracks the performance according to the desired performance metric for the participants. At certain intervals, such as yearly, the card issuer reports out the financial performance for the period. If the performance exceeded the pre-designated threshold performance, then returns are distributed to participants according to a share methodology. The share methodology can provide that returns are allocated among participants according to various criteria, such as based on non-financial criteria including: periods of inactivity and financial criteria including: spending volume, finance charges, and so forth.
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Goodwin & Procter LLP
JPMorgan Chase Bank N.A.
Lee Michael G.
Trail Allyson N
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