System and Method for Dynamically Identifying, Prioritizing and Offering Reward Categories
First Claim
1. A method for identifying and offering rewards, comprising the steps of:
- determining a user'"'"'s transaction history or reward category history;
dynamically prioritizing at least one reward category based on the user'"'"'s transaction history or reward category history;
determining at least one top reward category based on the dynamic prioritizing of the at least one reward category; and
dynamically rewarding the user discounts, rebates, coupons, or other reward incentives based on the least one top reward category.
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Abstract
A system and method for identifying and offering rewards. The method comprises the steps of determining a user'"'"'s transaction history or category history, such as, for example, spending history, transaction history, merchant history, purchases history, services history, product history, channel history, frequency of spending history, SKU history , redemption history, reward earnings history, earning levels, reward categories, currency type (e.g., points, miles or cash), or any other particular related to a reward category), currency history, customer responses to questions, and/or other data or information that enables identification of relevant rewards. Next, the method dynamically prioritizes at least one reward category based on the user'"'"'s transaction history or reward category history, and determines at least one top reward category based on the dynamic prioritizing of the at least one reward category. Finally, the method dynamically rewards the user discounts, rebates, coupons, or other reward incentives based on the least one top reward category.
130 Citations
20 Claims
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1. A method for identifying and offering rewards, comprising the steps of:
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determining a user'"'"'s transaction history or reward category history;
dynamically prioritizing at least one reward category based on the user'"'"'s transaction history or reward category history;
determining at least one top reward category based on the dynamic prioritizing of the at least one reward category; and
dynamically rewarding the user discounts, rebates, coupons, or other reward incentives based on the least one top reward category. - View Dependent Claims (2, 3, 4, 5, 6, 17)
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7. A method for identifying and offering rewards, comprising the steps of:
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determining at least one initial reward category associated with a user, wherein the at least one reward category is used to offer the user discounts, rebates, coupons, or other reward incentives;
determining the user'"'"'s transaction history or reward category history; and
revising or prioritizing the at least one initial reward category based on the user'"'"'s transaction history or reward category history, wherein revising or prioritizing the at least one initial reward category occurs without the user'"'"'s input. - View Dependent Claims (8, 9, 10, 11, 12, 13, 14)
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15. A system for dynamically identifying, prioritizing and offering rewards, comprising:
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a processor for processing data or information relating to a user'"'"'s transactions;
a processor for identifying at least one reward category based on the user'"'"'s transaction;
a processor for prioritizing or ordering the least one reward category; and
a processor for applying the prioritized or ordered at least one reward category to the user'"'"'s subsequent transaction. - View Dependent Claims (16)
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18. A method for identifying and offering rewards, comprising the steps of:
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determining a user'"'"'s transaction history or reward category history;
recommending or suggesting at least one reward category to the user based on the user'"'"'s transaction history or reward category history;
receiving a response from the user relating to recommended or suggested at least one reward category; and
revising or prioritizing the user'"'"'s reward categories based on the user'"'"'s response.
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19. A method for identifying and offering rewards, comprising the steps of:
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determining a user'"'"'s transaction history or reward category history;
dynamically prioritizing at least one reward category based on the user'"'"'s transaction history or reward category history;
determining at least one top reward category based on the dynamic prioritizing of the at least one reward category;
dynamically rewarding the user reward incentives in a first currency based on the least one top reward category, the user having a reward incentive balance of redeemable reward value; and
switching the user to a second currency for earning reward incentives, wherein switching the user comprises converting the reward incentive balance into an equivalent reward value in the second currency and rewarding future user behavior in the second currency. - View Dependent Claims (20)
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Specification