NON-CASH TRANSACTION INCENTIVE AND COMMISSION DISTRIBUTION SYSTEM

摘要

A fund transfer system is disclosed wherein commissions for point-of-sale purchase transactions are determined and distributed to members of an organizational network for promoting use of a non-cash payment device for effecting purchase transactions. Purchase data is transmitted from the point-of-sale to an automated clearing house (17) for effecting fund transfers to prepare the purchase, and also to a commission management system (26). The commission management system (26) maintains a database reflecting the structure of the organizational network, and further determines the distribution of purchase commissions according to a predetermined schedule of proportions relating to the position and business volume of each member of the network. The commission management system (26) further comprises a payment processor (29) for effecting commission payments to the members on a scheduled basis.