WO2005094362A3 - Gift and benefits card mechanisms - Google Patents

Gift and benefits card mechanisms Download PDF

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Publication number
WO2005094362A3
WO2005094362A3 PCT/US2005/010660 US2005010660W WO2005094362A3 WO 2005094362 A3 WO2005094362 A3 WO 2005094362A3 US 2005010660 W US2005010660 W US 2005010660W WO 2005094362 A3 WO2005094362 A3 WO 2005094362A3
Authority
WO
WIPO (PCT)
Prior art keywords
ibgc
filters
account
transactions
benefits
Prior art date
Application number
PCT/US2005/010660
Other languages
French (fr)
Other versions
WO2005094362A2 (en
WO2005094362A8 (en
Inventor
Harry Duke
Original Assignee
Ibgc Corp
Harry Duke
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
Priority claimed from US10/811,605 external-priority patent/US20040243498A1/en
Application filed by Ibgc Corp, Harry Duke filed Critical Ibgc Corp
Publication of WO2005094362A2 publication Critical patent/WO2005094362A2/en
Publication of WO2005094362A8 publication Critical patent/WO2005094362A8/en
Publication of WO2005094362A3 publication Critical patent/WO2005094362A3/en

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce

Abstract

An interest bearing gift card ('IBGC') and related methods and systems are compatible with various credit and debit card networks and may be employed almost universally. An account associated with the IBGC is credited on a predetermined basis with transaction related credits reflecting an effective monetary return on amounts maintained in the IBGC account. Funds in the IBGC account may be allocated between multiple investment sub-accounts, such as stock and bond funds. The value of the IBGC account is the sum of the net asset value of all sub-accounts. Filters may be applied to transactions to prevent undesired transactions with selected merchants, or transactions exceeding a specified amount. The card with filters may be used to manage distribution and use of benefits, such as food stamp programs. Filters may be applied during checkout to ensure benefits are properly used.
PCT/US2005/010660 2004-03-29 2005-03-29 Gift and benefits card mechanisms WO2005094362A2 (en)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US10/811,605 2004-03-29
US10/811,605 US20040243498A1 (en) 2002-11-15 2004-03-29 Interest bearing gift card mechanisms
US11/085,388 2005-03-21
US11/085,388 US20050165682A1 (en) 2002-11-15 2005-03-21 Benefits card mechanisms

Publications (3)

Publication Number Publication Date
WO2005094362A2 WO2005094362A2 (en) 2005-10-13
WO2005094362A8 WO2005094362A8 (en) 2005-12-08
WO2005094362A3 true WO2005094362A3 (en) 2007-04-12

Family

ID=35064323

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2005/010660 WO2005094362A2 (en) 2004-03-29 2005-03-29 Gift and benefits card mechanisms

Country Status (1)

Country Link
WO (1) WO2005094362A2 (en)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2014105723A1 (en) * 2012-12-31 2014-07-03 Richard Postrel Method and system for implementing a consumer entitlement program

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5745706A (en) * 1994-12-30 1998-04-28 Wolfberg; Larry Computer system and related equipment for spending and investment account management

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5745706A (en) * 1994-12-30 1998-04-28 Wolfberg; Larry Computer system and related equipment for spending and investment account management

Also Published As

Publication number Publication date
WO2005094362A2 (en) 2005-10-13
WO2005094362A8 (en) 2005-12-08

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