System and method for managing customized reward offers
First Claim
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1. A method comprising:
- determining account data associated with the financial account;
determining a first performance target that is associated with the financial account;
determining a reward offer, in which the reward offer is associated with at least one reward term;
transmitting an indication of the first performance target to the account holder;
transmitting an indication of the at least one reward term to the account holder;
receiving transaction data that is associated with the financial account; and
determining a second performance target based on the transaction data, in which the second performance target is associated with the financial account.
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Abstract
In accordance with some embodiments of the present invention, a method is provided for managing reward offers. A first performance target that is associated with a financial account is determined. Transaction data that is associated with the financial account is received, and a second performance target for the financial account is determined based on the transaction data.
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Citations
60 Claims
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1. A method comprising:
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determining account data associated with the financial account;
determining a first performance target that is associated with the financial account;
determining a reward offer, in which the reward offer is associated with at least one reward term;
transmitting an indication of the first performance target to the account holder;
transmitting an indication of the at least one reward term to the account holder;
receiving transaction data that is associated with the financial account; and
determining a second performance target based on the transaction data, in which the second performance target is associated with the financial account.
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2. A method comprising:
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accessing historical account data associated with a financial account;
determining a first performance target associated with the financial account;
receiving transaction data associated with the financial account; and
determining a second performance target based on the transaction data, in which the second performance target is associated with the financial account.
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3. A method comprising:
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determining account data that is associated with a financial account;
determining a first performance target that is associated with the financial account;
determining transaction data that is associated with the financial account; and
determining a second performance target based on the transaction data. - View Dependent Claims (4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59)
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60. A method comprising:
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receiving a first customized reward offer that is associated with a credit card account, the first customized reward offer indicating a first performance target, a first reward, and a first target period;
initiating a transaction with a merchant, the transaction being associated with the credit card account; and
receiving a second customized reward offer that is associated with the credit card account, the second customized reward offer indicating a second performance target, a second reward, and a second target period, in which the second customized reward offer is based on the transaction and the first performance target.
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Specification