WO2005065314A3 - Payment systems and methods for earning incentives using at least two financial instruments - Google Patents

Payment systems and methods for earning incentives using at least two financial instruments Download PDF

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Publication number
WO2005065314A3
WO2005065314A3 PCT/US2004/043667 US2004043667W WO2005065314A3 WO 2005065314 A3 WO2005065314 A3 WO 2005065314A3 US 2004043667 W US2004043667 W US 2004043667W WO 2005065314 A3 WO2005065314 A3 WO 2005065314A3
Authority
WO
WIPO (PCT)
Prior art keywords
methods
party
debt
credit card
incentives
Prior art date
Application number
PCT/US2004/043667
Other languages
French (fr)
Other versions
WO2005065314A2 (en
Inventor
Craig Shapiro
Kevin Krafve
Original Assignee
Bcd Rewards L L C
Craig Shapiro
Kevin Krafve
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Bcd Rewards L L C, Craig Shapiro, Kevin Krafve filed Critical Bcd Rewards L L C
Priority to EP04815682A priority Critical patent/EP1702252A2/en
Publication of WO2005065314A2 publication Critical patent/WO2005065314A2/en
Priority to IL176580A priority patent/IL176580A0/en
Publication of WO2005065314A3 publication Critical patent/WO2005065314A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

Systems and methods for having a first party pay a second party by incurring a first debt on a loan instrument, which earns the first party an incentive. The first debt is then paid off by the first party from a second financial instrument before costs (particularly interest charges) are accrued on the first loan instrument. The systems and methods may be used to provide credit card incentives to construction contractors by having them pay a subcontractor using a credit card providing incentives and then paying off the credit card debt from a line of credit before interest charges accrue on the credit card debt.
PCT/US2004/043667 2003-12-30 2004-12-22 Payment systems and methods for earning incentives using at least two financial instruments WO2005065314A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
EP04815682A EP1702252A2 (en) 2003-12-30 2004-12-22 Payment systems and methods for earning incentives using at least two financial instruments
IL176580A IL176580A0 (en) 2003-12-30 2006-06-27 Payment systems and methods for earning incentives using at least two financial instruments

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US10/748,710 US20050144100A1 (en) 2003-12-30 2003-12-30 Payment systems and methods for earning incentives using at least two financial instruments
US10/748,710 2003-12-30

Publications (2)

Publication Number Publication Date
WO2005065314A2 WO2005065314A2 (en) 2005-07-21
WO2005065314A3 true WO2005065314A3 (en) 2006-12-21

Family

ID=34700944

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2004/043667 WO2005065314A2 (en) 2003-12-30 2004-12-22 Payment systems and methods for earning incentives using at least two financial instruments

Country Status (5)

Country Link
US (2) US20050144100A1 (en)
EP (1) EP1702252A2 (en)
CN (1) CN1961332A (en)
IL (1) IL176580A0 (en)
WO (1) WO2005065314A2 (en)

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Also Published As

Publication number Publication date
EP1702252A2 (en) 2006-09-20
WO2005065314A2 (en) 2005-07-21
CN1961332A (en) 2007-05-09
US20100287045A1 (en) 2010-11-11
US20050144100A1 (en) 2005-06-30
IL176580A0 (en) 2008-04-13

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