SYSTEM AND METHOD FOR DETERMINING POSITIVE BEHAVIOR AND/OR MAKING AWARDS BASED UPON GEOGRAPHIC LOCATION
First Claim
1. A computer-implemented method, comprising:
- determining, by a computer-based system capable of determining positive behavior and making awards, a first geographic area related to data associated with a purchase transaction;
obtaining, by the computer-based system, consumer information associated with a consumer, wherein the consumer is associated with the data;
determining, by the computer-based system and based at least partially upon the consumer information and the first geographic area, a first incentive, wherein the first incentive comprises a desired behavior of the consumer and a reward for satisfying the desired behavior; and
producing, by the computer-based system, in response to a transaction account payment satisfying predetermined criteria, output based at least partially upon the desired behavior in order to offer the consumer the reward.
1 Assignment
0 Petitions
Accused Products
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.
12 Citations
20 Claims
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1. A computer-implemented method, comprising:
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determining, by a computer-based system capable of determining positive behavior and making awards, a first geographic area related to data associated with a purchase transaction; obtaining, by the computer-based system, consumer information associated with a consumer, wherein the consumer is associated with the data; determining, by the computer-based system and based at least partially upon the consumer information and the first geographic area, a first incentive, wherein the first incentive comprises a desired behavior of the consumer and a reward for satisfying the desired behavior; and producing, by the computer-based system, in response to a transaction account payment satisfying predetermined criteria, output based at least partially upon the desired behavior in order to offer the consumer the reward. - 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. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer-based system capable of determining positive behavior and making awards, cause the computer-based system to be capable of performing operations comprising:
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determining, by the computer-based system, a first geographic area related to data associated with a purchase transaction; obtaining, by the computer-based system, consumer information associated with a consumer, wherein the consumer is associated with the data; determining, by the computer-based system and based at least partially upon the consumer information and the first geographic area, a first incentive, wherein the first incentive comprises a desired behavior of the consumer and a reward for satisfying the desired behavior; and producing, by the computer-based system, in response to a transaction account payment satisfying predetermined criteria, output based at least partially upon the desired behavior in order to offer the consumer the reward.
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20. A system comprising:
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a processor capable of determining positive behavior and making awards, a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to be capable of performing operations comprising; determining, by the processor, a first geographic area related to data associated with a purchase transaction; obtaining, by the processor, consumer information associated with a consumer, wherein the consumer is associated with the data; determining, by the processor, based at least partially upon the consumer information and the first geographic area, a first incentive, wherein the first incentive comprises a desired behavior of the consumer and a reward for satisfying the desired behavior; and producing, by the processor, in response to a transaction account payment satisfying predetermined criteria, output based at least partially upon the desired behavior in order to offer the consumer the reward.
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Specification