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Financial account up-front incentives management system and method

  • US 20050021457A1
  • Filed: 07/14/2004
  • Published: 01/27/2005
  • Est. Priority Date: 07/25/2003
  • Status: Abandoned Application
First Claim
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1. A computer implemented system for managing incentives to holders of financial accounts to engage in specified account activities, comprising:

  • (a) a first database identifying customer accounts for which customer account holders have entered into agreements to engage in specified account activities related to the customer accounts in exchange for incentives that have been provided to the customers before the customers have engaged in the specified activities related to the accounts;

    (b) an account activity database identifying account activity for the customer accounts; and

    (c) a computer processor coupled to the first database and to the account activity database and programmed to monitor the account activity database for customer accounts identified in the first database to determine whether customers have satisfied their agreements to engage in specified account activities and to generate a customer charge for at least a portion of the value of the incentive provided for those customer accounts identified in the first database for which it is determined that the customers have not satisfied their agreements.

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