최소 단어 이상 선택하여야 합니다.
최대 10 단어까지만 선택 가능합니다.
다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
NTIS 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
DataON 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Edison 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Kafe 바로가기국가/구분 | United States(US) Patent 등록 |
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국제특허분류(IPC7판) |
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출원번호 | US-0557758 (2006-11-08) |
등록번호 | US-8145522 (2012-03-27) |
발명자 / 주소 |
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출원인 / 주소 |
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대리인 / 주소 |
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인용정보 | 피인용 횟수 : 41 인용 특허 : 446 |
Techniques for administering an account with a financial institution are disclosed. The financial institution may establish the account for the account holder. An account holder may execute purchase transactions using the account. A first and second affiliate may be associated with the account. Rewa
Techniques for administering an account with a financial institution are disclosed. The financial institution may establish the account for the account holder. An account holder may execute purchase transactions using the account. A first and second affiliate may be associated with the account. Rewards information associated with the first affiliate may be calculated based on use of the account for purchase transactions. A compensation, to be provided by the financial institution to the second affiliate, may be calculated based on use of the account for purchase transactions.
1. A method of administering an account with a financial institution for an account holder, wherein the account holder can execute purchase transactions using the account, the method comprising the steps of: establishing, by the financial institution, the account for the account holder;associating a
1. A method of administering an account with a financial institution for an account holder, wherein the account holder can execute purchase transactions using the account, the method comprising the steps of: establishing, by the financial institution, the account for the account holder;associating a first affiliate with the account;associating a second affiliate with the account;calculating, using a programmed computer, rewards information associated with the first affiliate based on use of the account for monetary purchase transactions, wherein the rewards information reflects at least one reward provided to the account holder in response to the use of the account for the monetary purchase transactions; andcalculating, using a programmed computer, a monetary compensation to be provided by the financial institution to the second affiliate based on use of the account for monetary purchase transactions. 2. The method of claim 1, wherein the account is a credit card account. 3. The method of claim 1, further comprising sending the rewards information to the first affiliate. 4. The method of claim 1, further comprising sending the compensation to the second affiliate. 5. The method of claim 1, wherein the first affiliate comprises an airline or a hotel. 6. The method of claim 1, wherein the second affiliate comprises a university, a charitable organization, a professional association, or an environmental organization. 7. The method of claim 1, further comprising the step of displaying a representation of the second affiliate on a face of a card associated with the account. 8. The method of claim 1, further comprising determining a compatibility of the affiliates associated with the account. 9. A system for administering an account with a financial institution of an account holder comprising: a memory that stores information relating to the account holder, a first affiliate affiliated with the account, and a second affiliate affiliated with the account; anda processor that is programmed to: calculate rewards information associated with the first affiliate based on use of the account by the cardholder for monetary purchase transactions, wherein the rewards information reflects at least one reward provided to the account holder as a result of the use of the account for the monetary purchase transactions; andcalculate a monetary compensation to be provided by the financial institution to the second affiliate based on use of the account by the cardholder for monetary purchase transactions. 10. The system of claim 9, wherein the account comprises a credit card account. 11. The system of claim 9, wherein the processor is further programmed to generate instructions for sending the rewards information to the first affiliate. 12. The system of claim 9, wherein the processor is further programmed to generate instructions for sending the compensation to the second affiliate. 13. The system of claim 9, wherein the first affiliate comprises an airline or a hotel. 14. The system of claim 9, wherein the second affiliate comprises a university, a charitable organization, a professional association, or an environmental organization. 15. The system of claim 9, wherein the processor is further programmed to determine a compatibility of the affiliates associated with the account. 16. A method of administering an account for an account holder, wherein the account holder can execute purchase transactions using the account, the method comprising the steps of: establishing the account for the account holder;associating a first affiliate with the account;associating a second affiliate with the account;calculating, using a programmed computer, rewards information associated with the first affiliate based on use of the account for monetary purchase transactions, wherein the rewards information reflects at least one reward provided to the account holder as a result of the use of the account for the monetary purchase transactions; andsending to the account holder an itemized fee for each affiliate that the account holder pays to an administrator of the account. 17. The method of claim 16, further comprising the step of calculating a compensation to be provided to the second affiliate based on use of the account. 18. The method of claim 16, further comprising determining a compatibility of the affiliates associated with the account. 19. The method of claim 16, wherein the account is a credit card account. 20. The method of claim 16, wherein the first affiliate comprises an airline or a hotel. 21. The method of claim 16, wherein the second affiliate comprises a university, a charitable organization, a professional association, or an environmental organization. 22. The method of claim 16, further comprising the step of providing a web page allowing the account holder to select the first and second affiliates to be associated with the account. 23. The method of claim 22, wherein the web page lists categories of affiliates. 24. The method of claim 16, further comprising the step of sending to the account holder a plurality of available account terms other than affiliates. 25. A method comprising the steps of: establishing an account for an account holder;providing an account access device to the account holder;receiving data on monetary purchase transactions made by the account holder using the account access device;calculating, using a programmed computer, a number of universal points to award to the account holder based on the monetary purchase transaction data;awarding the number of universal points to the account holder;receiving a request from the account holder to convert at least a portion of the universal points to affiliate points associated with an affiliate of the account; andconverting said at least a portion of the universal points to the affiliate points. 26. The method of claim 25, wherein the account access device comprises a credit card. 27. The method of claim 25, further comprising awarding universal points for payment in full of a monthly balance. 28. The method of claim 25, further comprising deducting universal points in lieu of applying a service charge to the account. 29. The method of claim 25, further comprising converting at least a portion of the affiliate points associated with an affiliate of the account into universal points. 30. The method of claim 25, wherein the account includes at least two affiliates affiliated with the account. 31. A method of administering a credit card account with a financial institution for an account holder, the method comprising: establishing, by the financial institution, the credit card account for the account holder;affiliating a first entity with the account, wherein the first entity is an airline, a merchant or a hotel;allocating, using programmed computer, by the financial institution, and as a consequence of the account holder using the credit card for a monetary purchase transaction with a third party, rewards points to the credit card account, wherein the account holder may redeem the rewards points with the first entity for goods or services;affiliating a second entity with the account, wherein the second entity is a university, a college, a professional organization, a charitable organization, or an environmental organization; andproviding, by the financial institution to the second entity, monetary compensation as a consequence of the account holder using the credit card for a monetary purchase transaction with a third party.
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