S/M for offering reward programs
First Claim
1. A method for identifying and offering reward programs, comprising the steps of:
- determining at least one rewards program associated with a user;
determining at least one alternative reward program to offer the user based on the user'"'"'s selection, demographics, responses to a questionnaire, transaction history, or reward program history;
offering the user the opportunity to enroll in the alternative rewards program; and
converting rewards associated with the at least one rewards program to rewards associated with the at least one alternative reward program if the user accepts the offer to the enroll.
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Accused Products
Abstract
A system and method for identifying and offering reward programs. The method comprises the step of determining at least one rewards program associated with a user. The next step involves determining the user'"'"'s transaction history or reward program history with a first reward card associated with the rewards program. Then, the method determines at least one alternative reward programs to offer the user based on the user'"'"'s transaction history or reward program history, and the offering the user the opportunity to enroll in the alternative rewards program. Next, the method converts rewards associated with the at least one rewards program to rewards associated with the at least one alternative reward program if the user accepts the offer to enroll.
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Citations
24 Claims
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1. A method for identifying and offering reward programs, comprising the steps of:
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determining at least one rewards program associated with a user;
determining at least one alternative reward program to offer the user based on the user'"'"'s selection, demographics, responses to a questionnaire, transaction history, or reward program history;
offering the user the opportunity to enroll in the alternative rewards program; and
converting rewards associated with the at least one rewards program to rewards associated with the at least one alternative reward program if the user accepts the offer to the enroll. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method for identifying and offering reward programs, comprising the steps of:
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determining at least one rewards program associated with a user;
determining the user'"'"'s transaction history or reward program history with the rewards program;
determining at least one alternative reward program to offer the user based on the user'"'"'s transaction history or reward program history;
offering the user the opportunity to enroll in the alternative rewards program; and
converting or crediting rewards associated with the at least one rewards program to rewards associated with the at least one alternative reward program if the user accepts the offer to the enroll.
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13. A system for offering or marketing reward programs, comprising the steps of:
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a detection module for detecting user interaction with an issuer or sponsor of a rewards card or account. a rewards program module for determining at least one rewards program associated with the reward card or account or the user of the reward card or account;
a customer history determination module for determining the user'"'"'s transaction history or reward program history with the rewards card or account;
a rewards program evaluation module for determining at least one alternative reward programs to offer the user based on the user'"'"'s transaction history or reward program history; and
a conversion module for converting or crediting rewards associated with the at least one rewards program to rewards associated with the at least one alternative reward program if the user accepts an offer to the enroll in the alternative reward program, wherein the conversion is based on a conversion rate stored and maintained by a conversion rate module. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21)
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22. The system of claim further comprising a questions module for storing and administering questions to ask the at least one customer, wherein the customer'"'"'s responses to the questions are used to identify reward programs that are of interest to the customer
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23. A system for identifying and offering reward programs, comprising:
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a rewards program module for storing and administering particulars of a plurality of reward programs including at least one reward program associated with at least one customer;
a customer module for storing and administering particulars of a plurality of customers including the at least one customer, wherein the at least one customer is associated with at least one reward card that is associated with the at least one reward program;
a customer history module for tracking, storing and administering particulars of the at least one customer'"'"'s transaction history or reward program history with the at least one reward card;
a questions module for storing and administering questions to ask the at least one customer, wherein the customer'"'"'s responses to the questions are used to identify reward programs that are of interest to the customer;
a rewards program evaluation module for determining at least one alternative reward program that may be of interest to the user based on biographical or demographic data or information about the customer, the customer'"'"'s transaction history or reward program history with the at least one reward card, or the customer'"'"'s responses to the questions; and
a conversion module for converting or crediting rewards associated with the at least one rewards program to rewards associated with the at least one alternative reward program if the user accepts an offer to the enroll in the alternative reward program, wherein the conversion is based on a conversion rate stored and maintained by a conversion rate module.
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24. A method for identifying and offering reward programs, comprising the steps of:
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determining at least one rewards program associated with a user;
determining at least one alternative reward program to offer the user based on an issuing entity'"'"'s assessment of the user;
offering the user the opportunity to enroll in the alternative rewards program; and
converting or crediting rewards associated with the at least one rewards program to rewards associated with the at least one alternative reward program if the user accepts the offer to the enroll.
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Specification