COMPUTERIZED METHOD IMPLEMENTING CREDIT CARD USER AWARD PROGRAM

摘要

Data processing methods for enhancing the value of a substantially conventional credit card so as to enhance a user's perception of the desirability of holding and using the card and encourage increased use of the card for its normal utility as a payment device. The user earns, for each transaction amount (102) or payment amount (116) of at least a predetermined size, a coupon (figure 4) redeemable by the user for a lottery ticket by which the user has an opportunity to recover at least a portion and potentially in excess of the user's transactional based expenditures (102) or payments (116). Transaction amounts (102) or payment amounts (116) in excess of the predetermined size but insufficient to earn an additional coupon are stored (112) and then applied to user transaction or payment amounts during the next subsequent billing period.