Abstract: A method for administering an incentive award system in which a bank issues a credit or debit card account to a participant and sets up an interest bearing account for the participant to receive the incentive award. Specific merchants are designated who have agreed to make awards of a specified amount to the participant. After sale of goods to the participant and charging the sales to the credit or debit card account, an award amount is determined based on the charges, which is sent to the issuing bank to be credited to the participant account. In preferred embodiments, the participant account has time restrictions against withdrawal of funds. In other embodiments, the award amount is determined by an oversight organization that calculates the mount of the award as a percentage of the transaction, which may be lower for non-merchant brands.

Abstract: Parking restrictions are provided by an app and generates a display, which can be on the screen of a mobile smartphone, a tablet, a computer, or on a handheld or vehicle built-in navigation system screen. The app can obtain parking restrictions for current location from a database that is updated either from a centralized service or by user input. The provided parking restriction information can be used to set reminder alarms when the driver decides to park.