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Methods and systems for adjusting account terms based on purchase transaction information

  • US 20050144105A1
  • Filed: 12/08/2004
  • Published: 06/30/2005
  • Est. Priority Date: 12/08/2003
  • Status: Active Grant
First Claim
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1. A computer implemented method for providing an incentive directed toward retaining a customer associated with a first financial account, the method comprising:

  • providing a financial account offer of the first financial account to the customer, the offer having an account variable equal to a first account value if a number of purchase transactions associated with the first financial account during each of a plurality of predetermined contiguous time periods is greater than or equal to a threshold value for each of the plurality of predetermined contiguous time periods;

    receiving an acceptance of the first financial account offer from the customer;

    providing the first financial account to the customer;

    setting the account variable equal to the first account value; and

    monitoring the first financial account wherein each of the plurality of predetermined contiguous time periods has a corresponding number of purchase transactions wherein monitoring further comprises;

    resetting the account variable equal to a second account value when a number of purchase transactions corresponding to a currently monitored one of the plurality of predetermined contiguous time periods are less than the threshold value, and resetting the account variable equal to a third account value when a) the number of purchase transactions corresponding to the currently monitored one of the plurality of predetermined contiguous time periods are greater than or equal to the threshold value, and b) a number of purchase transactions corresponding to a predetermined contiguous time period previously monitored in time and contiguous with the currently monitored one of the plurality of predetermined contiguous time periods were less than the threshold value.

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