The present invention comprises an apparatus and method for a card payment instrument providing that a share of program profits above a pre-designated level is returned to participating recipients at pre-designated intervals such as annually. Participants respond to an offer to participate in the mutual...http://www.google.de/patents/US7360693?utm_source=gb-gplus-sharePatent US7360693 - System and method for a card benefit program providing benefits to program members based on program performance
