A method and an apparatus to incentivize a first party to refer a payment service to a second party. The method includes establishing an account for the second party, wherein the account is associated with one of a plurality of bonus programs and wherein the account is further associated with the first...http://www.google.de/patents/US20050171842?utm_source=gb-gplus-sharePatent US20050171842 - Method and system for incentivizing the promotion of a payment service
