SYSTEM AND METHOD FOR REWARDING POSITIVE CONSUMER BEHAVIOR USING LOYALTY POINT ADVANCES
First Claim
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1. A method comprising:
- receiving, at a computer, a request from a consumer to exchange loyalty points for purchasing an item;
obtaining, by the computer, consumer information associated with the consumer, wherein the consumer is associated with a loyalty account;
analyzing, by the computer, the consumer information to identify a desired consumer behavior;
determining, by the computer, a first incentive associated with the desired consumer behavior, wherein the first incentive comprises a desired behavior attribute used to determine that the desired consumer behavior is satisfied;
issuing a loyalty point advance to the loyalty account to facilitate the purchase;
determining, by the computer, a positive behavior reward associated with the first incentive and the loyalty point advance;
producing, by the computer, output based at least partially upon the first incentive in order to notify the consumer of the incentive.
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Abstract
The system evaluates a set of incentives based upon a variety of factors and/or predetermined rules and consumers are provided incentives when they satisfy one or more criteria of making payments for their transaction accounts. The one or more criteria include making an early payment, paying more than a minimum amount due, and making the payment through an automatic payment scheme. If a received payment satisfies one or more predefined criteria, one or more incentives are selected for the consumer, tracked, and provided to the consumer. The system analyzes payment information to determine attributes and positive (desirable) behavior and provides incentives to the consumer based on such positive behaviors.
128 Citations
20 Claims
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1. A method comprising:
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receiving, at a computer, a request from a consumer to exchange loyalty points for purchasing an item; obtaining, by the computer, consumer information associated with the consumer, wherein the consumer is associated with a loyalty account; analyzing, by the computer, the consumer information to identify a desired consumer behavior; determining, by the computer, a first incentive associated with the desired consumer behavior, wherein the first incentive comprises a desired behavior attribute used to determine that the desired consumer behavior is satisfied; issuing a loyalty point advance to the loyalty account to facilitate the purchase; determining, by the computer, a positive behavior reward associated with the first incentive and the loyalty point advance; producing, by the computer, output based at least partially upon the first incentive in order to notify the consumer of the incentive. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A tangible computer-readable medium having computer-executable instructions stored thereon that, if executed by a computer, cause the computer to perform a method comprising:
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receiving, at the computer, a request from a consumer to exchange loyalty points for a purchase of an item; obtaining, by the computer, consumer information associated with the consumer, wherein the consumer is associated with a loyalty account; analyzing, by the computer, the consumer information to identify a desired consumer behavior; determining, by the computer, a first incentive associated with the desired consumer behavior, wherein the first incentive comprises a desired behavior attribute used to determine that the desired consumer behavior is satisfied; issuing a loyalty point advance to the loyalty account to facilitate the purchase; determining, by the computer, a positive behavior reward associated with the first incentive and the loyalty point advance; producing, by the computer, output based at least partially upon the first incentive in order to notify the consumer of the incentive.
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20. A system comprising:
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a network interface communicating with a memory; the memory communicating with a processor; and the processor, when executing a computer program, is configured to; receive a request from a consumer to exchange loyalty points for a purchase of an item; obtain consumer information associated with the consumer, wherein the consumer is associated with a loyalty account; analyze the consumer information to identify a desired consumer behavior; determine a first incentive associated with the desired consumer behavior, wherein the first incentive comprises a desired behavior attribute used to determine that the desired consumer behavior is satisfied; issue a loyalty point advance to the loyalty account to facilitate the purchase; determine a positive behavior reward associated with the first incentive and the loyalty point advance; and produce output based at least partially upon the first incentive in order to notify the consumer of the incentive.
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Specification