System and method for granting promotional rewards to credit account holders
First Claim
1. A method of implementing multiple promotional rewards programs comprising:
- communicating at least one promotional reward offer from a first promotional rewards program and at least one promotional reward offer from a second promotional rewards program to a customer, wherein each of the at least one promotional reward offer comprises a promotional reward associated with a promotional reward-earning behavior and a promotional time frame; and
crediting the promotional reward from the first promotional rewards program and the second promotional rewards program to the customer if the customer accomplishes the promotional reward-earning behavior within the promotional time frame.
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Accused Products
Abstract
A system and method for providing promotional rewards is provided. First, a promotional reward is communicated to a customer. The promotional reward offer comprises a promotional reward associated with one or more promotional reward-earning behaviors and a promotional time frame. The offer may specify a customer population, and the customer may be enrolled in the promotional reward program if the customer is determined to be in the population. The customer is credited a promotional reward if the customer accomplishes the promotional reward-earning behavior(s) within the promotional time frame. The customer may also be enrolled in a base reward program. The promotional rewards and base rewards may be accumulated in a customer account. A system for implementing a promotional rewards program is also provided.
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Citations
38 Claims
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1. A method of implementing multiple promotional rewards programs comprising:
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communicating at least one promotional reward offer from a first promotional rewards program and at least one promotional reward offer from a second promotional rewards program to a customer, wherein each of the at least one promotional reward offer comprises a promotional reward associated with a promotional reward-earning behavior and a promotional time frame; and
crediting the promotional reward from the first promotional rewards program and the second promotional rewards program to the customer if the customer accomplishes the promotional reward-earning behavior within the promotional time frame. - View Dependent Claims (2, 3, 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)
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36. A system for enabling customers to earn multiple promotional rewards comprising:
an offer setup processor configured to generate at least one promotional reward offer from a first promotional rewards program and a second promotional rewards program, wherein a customer simultaneously earns at least one promotional reward from each of the at least first promotional rewards program and the second promotional rewards program by accomplishing one or more specific reward-earning behaviors during a promotional time frame. - View Dependent Claims (37)
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38. A method of implementing multiple promotional rewards programs comprising:
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communicating at least two promotional reward offers from each of at least two promotional rewards programs to a customer, wherein each of the at least two promotional reward offers comprises a promotional reward associated with a promotional reward-earning behavior and a promotional time frame;
crediting the at least two promotional rewards to the customer if the customer accomplishes the promotional reward-earning behavior within the promotional time frame; and
accumulating two or more promotional rewards and two or more base rewards in a single customer reward account, wherein the two or more promotional rewards are accumulated when the customer accomplishes one or more promotional reward-earning behaviors, and the base reward is accumulated when the customer accomplishes a base reward-earning behavior pursuant to a base reward program associated with the at least two promotional reward programs, wherein the reward-earning behavior comprises at least one of;
credit or debit card transaction;
accumulating a specific amount of charges;
charging a specific amount;
charging a certain number of transactions;
transacting at a specific location;
paying a balance;
paying interest;
linking with another account;
making a deposit;
making a withdrawal;
drafting a check;
paying a fee for a banking service;
transferring a balance;
issuing a convenience check;
accessing a line of credit;
purchasing from a merchant;
checking and savings account activity;
setting up a recurring payment;
enabling an auto-payment;
paying an annual fee;
paying a rewards fee;
transactions with Bank partners;
transactions with third parties;
brokerage transactions;
purchasing or selling securities;
depositing funds;
transferring holdings from an external account to a Bank account;
transferring a balance;
opening a checking account;
opening a credit or debit account;
applying for a loan or other credit account;
paying a balance on time; and
maintaining at least a specified minimum balance;
having a specific account balance at a specific time;
having above or below a specific average daily balance;
revolving an account balance;
having an inactive account;
maintaining a type of account balance;
taking a cash advance;
using a convenience check; and
using an account card for identification purposes, andwherein the promotional reward comprises at least one of;
a product;
a service;
points, miles or other reward currency;
a discount;
a coupon;
cash, checks, Treasury bills, stocks, bonds, or other financial instruments, a gift card or other stored value; and
an upgrade in account status or other recognition.
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Specification