BANK CARD MANAGEMENT SYSTEM

• US 20080149707A1
• Filed: 10/19/2007
• Published: 06/26/2008
• Est. Priority Date: 10/19/2006
• Status: Abandoned Application

• Current Assignee: Alfred Urcuyo
• Original Assignee: Alfred Urcuyo
• Inventors: Urcuyo, Alfred
• Application Number:
  US11/875,825
• Publication Number:
  US 20080149707A1
• Time in Patent Office: Days
• US Class Current: 235/379
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A bank card management system includes software for real time tracking of card usage and real time reporting and allocation of commission payments to third parties based upon such usage.

Claims

1. A bank card management system comprising:

means for real time usage tracking

means for real time usage reporting

means for real time allocation of commissions.

2. The bank card management system of claim 1 wherein said commissions are derived from transaction fees charged to a card holder.

3. The bank card management system of claim 1 wherein said commissions are allocated to a plurality of entities.

4. The bank card management system of claim 1 wherein a transaction fee is subdivided into a multilevel fee distribution.

5. The bank card management system of claim 1 further comprising a closed system for reloading a bank card.

6. The bank card management system of claim 1 further comprising an open system for reloading a bank card.