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SYSTEM FOR PROVIDING OFFERS USING A BILLING STATEMENT

  • US 20120010934A1
  • Filed: 09/20/2011
  • Published: 01/12/2012
  • Est. Priority Date: 12/01/1997
  • Status: Active Grant
First Claim
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1. A method comprising:

  • receiving, via a credit card issuing bank device associated with an issuing bank, transaction information indicative of transactions between a consumer and at least one seller,wherein the credit card issuing bank issued a credit card to the consumer;

    determining, by the credit card issuing bank device, at least one offer pointer for use by the consumer to review an offer; and

    transmitting, by the credit card issuing bank to the consumer, a credit card billing statement that includes the at least one offer pointer and a description of a transaction between the consumer and a seller,wherein the consumer conducted the transaction using the credit card issued to the consumer,wherein the credit card issuing bank previously provided payment of an amount for the transaction to the seller,wherein the description includes an indication of the amount owed by the consumer to the credit card issuing bank for the transaction, andwherein the offer comprises a benefit for the consumer, the benefit comprising a reduction in the amount owed by the consumer to the credit card issuing bank.

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