Laurie Ann Johnson, 6616 Groveside Dr, Laguna Beach, CA 92656

5734838, Mar 31, 1998

Jun 7, 1995

8/486681

W. Brent Robinson - Irvine CA
Erin M. Mendez - Irvine CA
Brenda K. Hale - Irvine CA
Laurie A. Johnson - Irvine CA
Faris D. Weber - Stockton CA

American Savings Bank, F.A. - Irvine CA

G06F15100

395214

In an advanced intelligent network based information distribution system including a central office switching system connected to communication lines including at least one service switching point for selectively providing switched communications between the communication lines, a network controller arranged for selectively providing control data to effect land line communications, and arranged separately from the central office switching system, an incentive award computer system provides an award to users participating in an incentive award program. The incentive award computer system includes a request transaction processing computer system receiving an electronic transaction by a user, determining whether the electronic transaction is a reward eligible transaction, and generating a transaction request when the electronic transaction is determined to be the reward eligible transaction. In addition, a points calculator processing computer system is provided that determines a reward responsive to the reward eligible transaction represented in the transaction request, assigns the reward to a user record responsive to reward criteria, and generates a reward record representing the reward. The incentive award computer system further includes a points assigning and reporting processing computer system that generates reports and provides access to the user record and the reward by the user responsive to predetermined criteria.