OPTIMIZATION OF PURCHASE BENEFITS BY USE OF MULTIPLE FINANCIAL ACCOUNTS
First Claim
1. A method comprising:
- determining a category among a plurality of categories for each purchase item of a plurality of purchase items;
determining reward program benefits associated with a plurality of financial accounts;
associating each purchase item with one of the financial accounts based on the category of the purchase item and the reward program benefits; and
conducting a plurality of purchase transactions for purchasing the purchase items, wherein each purchase transaction uses a different one of the financial accounts to purchase the one or more purchase items associated with the financial account.
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Accused Products
Abstract
Systems and methods for optimization of purchase benefits by use of multiple financial accounts are disclosed. According to an aspect, a method includes determining a category among multiple categories for each purchase item of multiple purchase items. The method may include determining reward program benefits associated with financial accounts. Further, the method may include associating each purchase item with one of the financial accounts based on the category of the purchase item and the reward program benefits. A purchase item may be associated with the financial account that provides the greatest monetary benefit in exchange for purchase of the purchase item. The method may also include conducting a plurality of purchase transactions for purchasing the purchase items. Each purchase transaction may use a different one of the financial accounts to purchase the purchase item(s) associated with the financial account.
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Citations
25 Claims
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1. A method comprising:
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determining a category among a plurality of categories for each purchase item of a plurality of purchase items; determining reward program benefits associated with a plurality of financial accounts; associating each purchase item with one of the financial accounts based on the category of the purchase item and the reward program benefits; and conducting a plurality of purchase transactions for purchasing the purchase items, wherein each purchase transaction uses a different one of the financial accounts to purchase the one or more purchase items associated with the financial account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 15, 16)
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14. A system comprising:
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a transaction manager configured to; determine a category among a plurality of categories for each purchase item of a plurality of purchase items; determine reward program benefits associated with a plurality of financial accounts; and associate each purchase item with one of the financial accounts based on the category of the purchase item and the reward program benefits; and a sales module configured to conduct a plurality of purchase transactions for purchasing the purchase items, wherein each purchase transaction uses a different one of the financial accounts to purchase the one or more purchase items associated with the financial account. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23, 24)
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25. A computer program product for optimizing purchase benefits, said computer program product comprising:
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a computer readable storage medium having computer readable program code embodied therewith, the computer readable program code comprising; computer readable program code configured to determine a category among a plurality of categories for each purchase item of a plurality of purchase items; computer readable program code configured to determine reward program benefits associated with a plurality of financial accounts; computer readable program code configured to associate each purchase item with one of the financial accounts based on the category of the purchase item and the reward program benefits; and computer readable program code configured to conduct a plurality of purchase transactions for purchasing the purchase items, wherein each purchase transaction uses a different one of the financial accounts to purchase the one or more purchase items associated with the financial account.
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Specification