Usage promotion method for payment card transaction system

• US 4,906,826 A
• Filed: 09/19/1988
• Issued: 03/06/1990
• Est. Priority Date: 09/19/1988
• Status: Expired due to Term

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Spencer, Wyner
• Primary Examiner(s): Pitts, Harold I.
• Application Number:
  US07/246,414
• Time in Patent Office: 533 Days
• Field of Search: 235/379, 235/380, 902/23, 273/138 A, 273/1 E
• US Class Current: 235/379
• CPC Class Codes: G07C 15/006 electronically
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/0833 Card having specific functional components
• CPC Class Codes: G07G 1/0036 Checkout procedures

Abstract

A usage promotion method for use with a payment card data interchange system in which a computer examines card transaction data files to select transactions conforming to specified criteria. The computer eliminates arbitrarily all but a fraction of the selected transactions, selects winning transactions by using the bytes of the computer'"'"'s system clock, and produces a verifiable list of winning transactions which, after manual verification, are used to create credits to the accounts of the card holders of the winning transactions.

Claims

1. In a payment card data interchange system of the type which includes a central processor, card issuers, providers of goods or services, and data transfer lines which interconnect the central processor with the card issuers and the providers, a method for promoting payment card usage by automatically awarding credits to card holders in the amount of their purchases, on a random basis, which comprises the steps of:

a. reading digital data representing an issuer data file containing information regarding all card issuers in the system;

b. reading digital data representing a parameter library data file describing selected transaction parameters;

c. reading digital data representing a transaction log data file of each transaction processed by the system;

d. comparing the digital data of the transaction log data file, the issuer data file and the parameter library data file to generate digital data representing a data file of all eligible transactions;

e. reducing the number of eligible transactions to generate digital data representing a reduced data file of eligible transactions; and

f. randomly selecting transactions from the reduced data file of eligible transactions to generate digital data representing a data file of potential winning transactions.

2. A method of usage promotion for use in conjunction with a payment card data interchange system as recited in claim 1, further comprising the steps of:

g. verifying the potential winning transactions and eliminating from the data file of potential winning transactions all unverified transactions;

h. sending to the issuers, via the data transfer lines, credit data corresponding to the verified winning transactions for posting to the corresponding card holders'"'"' accounts.

3. A method of usage promotion for use in conjunction with a payment card data interchange system as recited in claim 1, wherein the step of reading the digital data representing a parameter library data file includes reading digital data representing transaction date periods, transaction amounts, and card issuers.

4. A method of usage promotion for use in conjunction with a payment card data interchange system as recited in claim 1, wherein the step of reducing the data file of eligible transactions includes the steps of selecting every Nth transaction, where N is a selected integer, to generate the digital data representing the reduced data file of eligible transactions.

5. A method of usage promotion for use in conjunction with a payment card data interchange system as recited in claim 1, wherein the step of randomly selecting transactions includes the steps of randomly selecting a first one of the transactions from the reduced data file of eligible transactions and then selecting every Mth transaction thereafter, where M is a randomly selected integer, to generate digital data representing a data file of potential winning transactions.

6. A method of usage promotion for use in conjunction with a payment card data interchange system as recited in claim 5 wherein the central processor includes a system clock which sequentially generates time code signals in the form of multiple bytes of digital data and the step of randomly selecting the first one of the transactions from the reduced data file of eligible transactions comprises the steps of arbitrarily selecting a first one of the system clock bytes to determine the first transaction and then selecting a second one of the bytes to determine every Mth transaction thereafter.

7. A method of usage promotion for use in conjunction with a payment card data interchange system as recited in claim 1, wherein the step of reading digital data representing a transaction log data file of each transaction processed by the system further includes the step of reading digital data representing each transaction separately processed by each issuer bank.

8. A method of usage promotion for use in conjunction with a payment card data interchange system as recited in claim 1, wherein the comparing step comprises selecting the digital data of the transaction log data file corresponding only to transactions occurring within a selected week and comparing said digital transaction data with the issuer data file and the parameter library data file to generate digital data representing a data file of all eligible weekly transactions.

9. A method of usage promotion for use in conjunction with a payment card data interchange system as recited in claim 1, wherein the comparing step comprises selecting the digital data of the transaction log data file corresponding only to transactions occurring within the first week of a selected month and comparing said digital transaction data with the issuer data file and the parameter library data file to generate digital data representing a data file of all eligible weekly bonus transactions.

10. A method of usage promotion for use in conjunction with a payment card data interchange system as recited in claim 1, wherein the comparing step comprises sequentially selecting the digital data of the transaction log data file corresponding only to transactions occurring within each week of a selected month and comparing said digital transaction data with the issuer data file and the parameter library data file to generate digital data representing a data file of all eligible monthly bonus transactions.

11. A method of usage promotion for use in conjunction with a payment card data interchange system as recited in claim 1 wherein the step of randomly selecting transactions includes the step of totaling the amounts of each selected transaction and terminating the random selecting step when a predetermined total is reached.

12. A method of usage promotion for use in conjunction with a payment card data interchange system as recited in claim 11 wherein the step of randomly selecting transactions includes the further step of continuing to randomly select a predetermined of alternate transactions after the predetermined total is reached.