System and method for managing customized reward offers
First Claim
Patent Images
1. A method comprising:
- determining a performance target and a target period to associate with a financial account;
determining, by a central controller device, a reward offer to associate with the performance target;
providing an indication of the performance target and the reward offer to an account holder of the financial account;
receiving, by the central controller device, transaction data associated with the financial account during the target period;
comparing, by the central controller device aggregate transaction data of the target period to the performance target to determine a remaining transaction amount required to achieve the performance target and to determine a second performance target;
providing an indication of the second performance target to the account holder; and
providing an indication of the remaining transaction amount to the account holder.
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Abstract
In accordance with some embodiments of the present invention, a method is provided for managing reward offers. A first performance target that is associated with a financial account is determined. Transaction data that is associated with the financial account is received, and a second performance target for the financial account is determined based on the transaction data.
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Citations
46 Claims
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1. A method comprising:
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determining a performance target and a target period to associate with a financial account; determining, by a central controller device, a reward offer to associate with the performance target; providing an indication of the performance target and the reward offer to an account holder of the financial account; receiving, by the central controller device, transaction data associated with the financial account during the target period; comparing, by the central controller device aggregate transaction data of the target period to the performance target to determine a remaining transaction amount required to achieve the performance target and to determine a second performance target; providing an indication of the second performance target to the account holder; and providing an indication of the remaining transaction amount to the account holder. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23)
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24. A non-transitory computer readable medium storing instructions configured to direct a processor to:
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determine a performance target and a target period to associate with a financial account; determining, by a central controller device, a reward offer to associate with the performance target; providing an indication of the performance target and the reward offer to an account holder of the financial account; receiving, by the central controller device, transaction data associated with the financial account during the target period; comparing, by the central controller device aggregate transaction data of the target period to the performance target to determine a remaining transaction amount required to achieve the performance target and to determine a second performance target; providing an indication of the second performance target to the account holder; and provide an indication of the remaining transaction amount to the account holder. - View Dependent Claims (25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45)
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46. An apparatus, comprising:
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a processor; and a storage device operably connected to the processor, wherein the storage device stores instructions configured to direct the processor to; determine a performance target and a target period to associate with a financial account; determine a reward offer to associate with the performance target; provide an indication of the performance target and the reward offer to an account holder of the financial account; receive transaction data associated with the financial account during the target period; compare aggregate transaction data of the target period to the performance target to determine a remaining transaction amount required to achieve the performance target and to determine a second performance target; providing an indication of the second performance target to the account holder; and provide an indication of the remaining transaction amount to the account holder.
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Specification