Methods, systems, and articles of manufacture for providing incentives for a financial account
First Claim
1. A method for providing incentives for a first financial account held by a user and associated with a first financial account provider, wherein the user also holds a second financial account associated with a second financial account provider, the method comprising:
- monitoring transactions performed using the first and second financial accounts over a predetermined transaction monitoring period;
determining whether the monitored transactions meet at least one predetermined condition; and
applying an incentive to the first financial account based on the predetermined condition.
2 Assignments
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Accused Products
Abstract
Methods, systems, and articles of manufacture for providing incentives for a first financial account held by a user and associated with a first financial account provider. The user also holds a second financial account associated with a second financial account provider and performs transactions using at least one of the first and second financial accounts. In one embodiment, a system and method is provided that monitors the transactions performed by the user using the first and second financial accounts over a predetermined transaction monitoring period. Further, the system and method may determine whether the monitored transactions meet at least one predetermined condition and, based on the predetermined condition, applies an incentive to the first financial account. In another embodiment, a system and method is provided that may monitor the transactions performed using the first and second financial accounts and may determine whether the monitored transactions include at least one transaction associated with the second financial account. Based on the determination, the method and system may transfer the at least one second financial account transaction to the first financial account such that the first financial account provider may send a payment to the second financial account provider for the at least one second financial account transaction and apply a total purchase amount for the at least one second financial account transactions to a balance of the first financial account.
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Citations
39 Claims
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1. A method for providing incentives for a first financial account held by a user and associated with a first financial account provider, wherein the user also holds a second financial account associated with a second financial account provider, the method comprising:
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monitoring transactions performed using the first and second financial accounts over a predetermined transaction monitoring period;
determining whether the monitored transactions meet at least one predetermined condition; and
applying an incentive to the first financial account based on the predetermined condition. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. A system for providing incentives for a first financial account, comprising:
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a first financial account provider managing the first financial account;
a second financial account provider managing a second financial account; and
a user associated with the first and second financial accounts, wherein the first financial account provider is configured to;
monitor purchase transactions performed by the user over a transaction time period, determine whether the purchase transactions meet at least one predetermined condition, and apply an incentive to the first financial account based on the predetermined condition. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37)
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38. A computer-readable medium including instructions for performing a method, when executed by a processor, for providing incentives for a first financial account held by a user and associated with a first financial account provider, wherein the user also holds a second financial account associated with a second financial account provider, the method comprising:
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monitoring transactions performed using the first and second financial accounts over a predetermined transaction monitoring period;
determining whether the monitored transactions meet at least one predetermined condition; and
applying an incentive to the first financial account based on the predetermined condition.
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39. A method for providing incentives for a first financial account held by a user and associated with a first financial account provider, wherein the user also holds a second financial account associated with a second financial account provider, the method comprising:
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monitoring transactions performed using the first and second financial accounts over a predetermined transaction monitoring period;
determining whether the monitored transactions include at least one transaction associated with the second financial account; and
transferring the at least one second financial account transaction to the first financial account such that the first financial account provider sends a payment to the second financial account provider for the at least one second financial account transaction and applying a total purchase amount for the at least one second financial account transactions to a balance of the first financial account.
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Specification