Patent ID: 7631803

Claim:
A computer assisted transaction method, using a payment card being associated with a first account having a first account holder, said first account being in turn associated with a second account having a second account holder, the method comprising: receiving rule data from said second account holder, in connection with said payment card, said rule data associating condition data with corresponding result data; receiving data of a specific purchase made using the payment card; processing an incentive when the data of the specific purchase matches condition data in said rule data, the processing further comprising: deriving actual result data from one or more condition data being matched; executing a transaction related to said specific purchase with modifications derived from said actual result data, thereby charging to said first account an actual payment amount which is greater than zero and does not exceed the specific purchase's cost; and charging a cost derived from said actual result data to said second account; and executing the transaction for the specific purchase by the payment card when the specific purchase does not match the condition data in the rule data wherein executing the transaction further comprises charging a cost of the specific purchase to the first account.