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Method and system for implementing a card product with multiple customized relationships

  • US 8,925,802 B1
  • Filed: 01/10/2014
  • Issued: 01/06/2015
  • Est. Priority Date: 05/27/2005
  • Status: Active Grant
First Claim
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1. A computer implemented method for providing a financial product with a variable relationship, the method comprising the steps of:

  • associating, by at least one computer processor, a financial product with a customer, the financial product having a variable relationship specific to the customer and the financial product being associated with a funding account;

    identifying, by at least one computer processor, one or more rules for defining the variable relationship of the financial product for the customer;

    monitoring, by at least one computer processor, customer behavior, wherein the customer behavior comprises spending habits, payment habits and transaction history;

    applying, by at least one computer processor, the variable relationship to the financial product for the customer based at least in part on the one or more rules and the customer behavior; and

    based on the monitored customer behavior, generating one or more incentives, rewards and offers for the customer and modifying the associated financial product.

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