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 consumers at pre-designated intervals such as annually. Customers respond to an offer to participate in the mutual...http://www.google.com/patents/US7086586?utm_source=gb-gplus-sharePatent US7086586 - System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance
