System and method for rewards integration in a computer system

• US 20090199094A1
• Filed: 02/05/2008
• Published: 08/06/2009
• Est. Priority Date: 02/05/2008
• Status: Active Application

• Current Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Original Assignee: Wachovia Corporation (Wells Fargo & Company)
• Inventors: Boehm, Steve, Jurgens, Kelly, Nolan, Dean
• Application Number:
  US12/012,659
• Publication Number:
  US 20090199094A1
• Time in Patent Office: Days
• US Class Current: 715/700
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/06 Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A system and method of integrating financial information and rewards data in a computer system of a financial institution such as an online banking computer system. The method generally comprises providing to a customer of a financial institution access to a computer system comprising financial information and rewards data, and presenting the financial information and rewards data to the customer of the financial institution in a presentation layer viewable by the customer.

Claims

1. A method for integrating financial information and rewards data in a computer system of a financial institution, the method comprising:

providing to a customer of a financial institution access to a computer system comprising financial information and rewards data, and

presenting the financial information and rewards data to the customer of the financial institution in a presentation layer viewable by the customer.

2. The method according to claim 1, wherein the customer accesses the presentation layer using a web interface.

3. The method according to claim 2, wherein the web interface is a personal computer, a personal data assistant, or any device for accessing authenticated space.

4. The method according to claim 1, wherein the computer system of the financial institution is an online computer banking system.

5. The method according to claim 1, wherein the financial information and rewards data are obtained from sources including, but not limited to, online banking, bill pay, rewards engines, web channels, data aggregation, spending pattern reports, and a combination thereof.

6. The method according to claim 1, wherein the rewards data is presented to the customer using a computer software application tool.

7. The method according to claim 1, wherein the rewards data is in a form of rewards points.

8. The method according to claim 1, wherein the method further comprises integrating rewards data with financial information.

9. A computer system for integrating financial information and rewards data, the computer system comprising:

a web interface for providing a customer of a financial institution access to a webserver of a financial institution,

the webserver communicatively connected to an application server, wherein the application server comprises an online banking computer software application,

a database server communicatively connected to the application server, wherein the database server comprises a data extraction computer software application,

a database comprising rewards data and financial information communicatively connected to the database server, and

a presentation layer for presenting financial information and rewards data extracted from the database to the customer.

10. The computer system according to claim 9, wherein the financial information is online banking data.

11. The computer system according to claim 9, wherein the rewards data is in a form of rewards points.

12. A computer software application tool comprising rewards data of a customer of a financial institution extracted from a computer database for presentation of the rewards data of the customer in a statement to the customer, the customer having computer access to an online banking system of the financial institution.

13. A computer software application tool comprising a list of financial transactions and rewards data corresponding to the list of financial transactions of a customer of a financial institution for presentation to the customer, the customer having computer access to an online banking system of the financial institution.

14. A computer software application tool comprising data of rewards earned by a customer of a financial institution by transaction type for presentation to the customer, the customer having computer access to an online banking computer system of the financial institution.

15. The computer software application tool according to claim 14, wherein the transaction type is selected from the group consisting of an automated teller machine withdrawal, check, ACH, online bill payment, debit instrument purchase, and credit instrument purchase.