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SYSTEM AND METHOD FOR DETERMINING AND AFFECTING A CHANGE IN CONSUMER BEHAVIOR

  • US 20120271689A1
  • Filed: 06/25/2012
  • Published: 10/25/2012
  • Est. Priority Date: 04/17/2007
  • Status: Abandoned Application
First Claim
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1. A computer-implemented method comprising:

  • obtaining, by a computer-based system capable of incentivizing positive behavior, consumer information associated with a first consumer, wherein the first consumer is associated with a transaction account;

    offering, by the computer-based system, a first incentive to the first consumer;

    analyzing, by the computer-based system, the consumer information associated with the first consumer to identify a change in consumer behavior in response to the first incentive, wherein the consumer behavior is associated with the first consumer;

    determining, by the computer-based system, that at least a portion of the change in consumer behavior is attributable to the first incentive;

    determining, by the computer-based system and based at least partially upon the change in consumer behavior, a level of effectiveness of the first incentive;

    analyzing, by the computer-based system, the change in consumer behavior to determine a strategy to affect future consumer behavior;

    identifying, by the computer-based system, a second incentive with a higher level of effectiveness than the first incentive;

    determining, by the computer-based system, that the first consumer and a second consumer share a common behavior characteristic associated with making a payment on a transaction account; and

    producing, by the computer-based system, output based at least partially upon the strategy, wherein the producing output comprises offering, by the computer-based system, the second incentive to the second consumer.

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