System and method for rewards optimization in a computer system
First Claim
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1. A method of optimizing rewards earned by a customer of a financial institution, the method comprising:
- presenting data in an online banking computer system of rewards earned by a customer of a financial institution, andpresenting data in the online banking computer system of rewards the customer of the financial institution could have earned.
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Abstract
A method of optimizing rewards earned by a customer of a financial institution comprises presenting data in an online banking computer system of rewards earned by a customer of a financial institution, and presenting data in the online banking computer system of rewards the customer of the financial institution could have earned. Methods for determining the rewards that the customer of the financial institution could have earned are described herein.
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Citations
16 Claims
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1. A method of optimizing rewards earned by a customer of a financial institution, the method comprising:
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presenting data in an online banking computer system of rewards earned by a customer of a financial institution, and presenting data in the online banking computer system of rewards the customer of the financial institution could have earned. - View Dependent Claims (2, 3, 4)
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5. A method for optimizing rewards points of a customer of a financial institution in an online banking computer system, the method comprising:
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assigning a value to a financial transaction type, summing up financial transaction information for a period of time for the financial transaction type, storing rewards points actually earned for the financial transaction type in a computer database, and presenting rewards points that could have been earned by the customer with a different financial transaction type. - View Dependent Claims (6, 7, 8, 9, 10)
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11. A method for optimizing rewards of a customer in an online banking computer system, the method comprising:
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receiving data of rewards earned by a customer of a financial institution during a period of time, storing the rewards data in a computer database, and displaying the rewards data to the customer in an online banking computer system. - View Dependent Claims (12, 13)
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14. A method for optimizing rewards of a customer in an online banking computer system, the method comprising:
calculating rewards points that could be earned by the customer for a financial transaction type during a period of time by multiplying the dollar amount of the customer for the financial transaction type by a conversion factor, and further multiplying by the difference between the assigned value of the financial transaction type and the assigned value of a different financial transaction type.
- 15. A computer software application tool for presenting rewards data to a customer of a financial institution in an online banking computer system, the computer software application tool comprising a message as to how the customer could have earned additional rewards.
Specification