# US 10,769,654 B2 · Payment vehicle with personalized rewards program > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,769,654 B2 - Document ID: US10769654B2 - Status: Granted - Kind: B2 - Application number: 14/697,233 - Filed: 2015-04-27 - Published: 2016-10-27 - Granted: 2020-09-08 - Earliest claimed: 2015-04-27 - Assignees: HRB Innovations, Inc. - Applicants: HRB Innovations, Inc. - Inventors: Daniel D. Martin; Crystal Anderson - Web page: https://patentgrep.com/patent/US10769654B2 ## CPC - G06Q 30/0215: {Including financial accounts} - G06Q 30/0239: {Online discounts or incentives} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract A method, system, and computer readable media for offering to the user of a payment vehicle a rewards program personalized to the user and the user's financial goals. A payment vehicle is provided with integrated reserved funds accounts which user can use to save up for large purchases. By designating the purchase for which these funds will ultimately be used, the user can be provided with personalized rewards programs relevant to planned purchases. ## Claims ### Claim 1 A computerized method for configuring a customized rewards program for a user, comprising the steps of: providing, by at least one processor, a user interface for a user to create a reserved funds account, wherein the reserved funds account is created as a subaccount of an existing financial account, and wherein the user assigns a name to the reserved funds account, wherein the reserved funds account is associated with a plurality of budgeting accounts created by the user via the user interface; receiving information from the user and via the user interface associated with the reserved funds account; prompting the user, via the user interface, to specify a plurality of rules associated with the plurality of budgeting accounts; linking, the at least one processor, the reserved funds account and the plurality of budgeting funds accounts to a unified payment vehicle of the user, wherein the unified payment vehicle is operable to provide payment for a transaction; based on the received information and the name of the reserved funds account, determining, by the at least one processor and from a plurality of available rewards programs, a plurality of applicable rewards programs associated with the reserved funds account, wherein each of the applicable rewards programs is a personalized rewards program for the user; offering, via the user interface, the applicable rewards programs to the user; receiving, from the user and via the user interface, a selected rewards program of the plurality of applicable rewards programs, wherein the selected rewards program instructs a processing element to deposit rewards into the reserved funds account, wherein the rewards program provides rewards related to a purpose selected by the user for the reserved funds account; receiving transaction information from a merchant by the unified payment vehicle, wherein the transaction information is indicative of a plurality of products; generating, at the unified payment vehicle, a transaction for each product of the plurality of products; automatically allocating payments for each transaction provided by the unified payment vehicle among one or more of the plurality of budgeting accounts based on the plurality of rules specified by the user; and automatically allocating deposits among one or more of the plurality of budgeting accounts based on the plurality of rules specified by the user. ### Claim 2 (depends on 1) The method of claim 1, wherein the applicable rewards programs are determined at least in part based on the name of the reserved funds account assigned by the user. ### Claim 3 (depends on 1) The method of claim 1, wherein the applicable rewards programs are determined at least in part based on a category selected for the reserved funds account by the user. ### Claim 4 (depends on 1) The method of claim 1, wherein the applicable rewards programs are determined based at least in part on a due date chosen for the reserved funds account by the user. ### Claim 5 (depends on 1) The method of claim 1, wherein the applicable rewards programs are determined at least in part based on a target savings amount specified for the reserved funds account by the user. ### Claim 6 (depends on 1) The method of claim 1, wherein the applicable rewards programs are determined at least in part based on two factors selected from the set consisting of: the name of the reserved funds account assigned by the user, a category selected for the reserved funds account by the user, a due date chosen for the reserved funds account by the user, and a target savings amount specified for the reserved funds account by the user. ### Claim 7 (depends on 1) The method of claim 1, wherein the applicable rewards programs are offered to the user when the user opens the reserved funds account. ### Claim 8 (depends on 1) The method of claim 1, wherein the applicable rewards programs are offered to the user at a time based on a due date of the reserved funds account specified by the user. ### Claim 9 (depends on 1) The method of claim 1, wherein the applicable rewards programs are offered to the user upon redemption of the reserved funds account. ### Claim 10 A system for offering a personalized rewards programs, comprising one or more non-transitory computer-readable media storing: indicia of a payment vehicle for a user operable to provide payment for at least one transaction; indicia of a reserved funds account associated with the payment vehicle, wherein the payment vehicle does not have access to the funds in the reserved funds account to provide payment for the at least one transaction and wherein the reserved funds account is created as a subaccount of an existing financial account; indicia of a plurality of budgeting accounts associated with the payment vehicle and the reserved funds account; indicia of a plurality of rules specified by the user, wherein the plurality of rules is associated with the plurality of budgeting accounts; and indicia of a rewards program, from a plurality of available rewards programs, associated with the payment vehicle and offered to the user based on one or more details associated with the reserved funds account, wherein the one or more details associated with the reserved funds account is a name of the reserved funds account provided by the user, wherein the rewards program is offered based at least in part on the name of the reserved funds account, wherein the rewards program is a personalized rewards program for the user, wherein transaction information is received by the payment vehicle from a merchant, wherein the transaction information is indicative of a plurality of products, wherein the payment vehicle provides a transaction for each product of the plurality of products; wherein the rewards program instructs a processing element to deposit rewards resulting from use of the payment vehicle to provide payment for each transaction directly into an associated reserved funds accounts, wherein the rewards program provides rewards related to a purpose selected by the user for the associated reserved funds accounts, wherein payment for each transaction is allocated among one or more of the plurality of budgeting accounts based on the plurality of rules specified by the user, wherein deposits are allocated among one or more of the plurality of budgeting accounts based on the plurality of rules specified by the user. ### Claim 11 (depends on 10) The system of claim 10, wherein the funds in the reserved funds account are only accessible to fund a transaction designated by the user upon the creation of the reserved funds account. ### Claim 12 (depends on 10) The system of claim 10, wherein the rewards program deposits cash rewards into the reserved fund account. ### Claim 13 (depends on 10) The system of claim 10, wherein the rewards program is a first rewards program, and further comprising a second rewards program associated with the payment vehicle and offered to the user based on one or more details associated with the reserved funds account. ### Claim 14 (depends on 10) The system of claim 10, wherein the details of the reserved funds account include a category and a due date. ### Claim 15 (depends on 14) The system of claim 14, wherein the details of the reserved funds account further include a target savings amount. ### Claim 16 (depends on 10) The system of claim 10, wherein the rewards program is sponsored by a merchant associated with the transaction. ### Claim 17 One or more non-transitory computer-readable media storing computer-executable instructions which, when executed by at least one processor, perform a method of presenting a graphical user interface for offering a customized rewards program to a user, the method comprising the steps of: receiving, via the interface and from the user, details relating to a reserved funds account to be created for the user, wherein the reserved funds account is created as a subaccount of an existing financial account, wherein the reserved funds account is associated with a plurality of budgeting accounts created by the user via the user interface; prompting the user, via the user interface, to specify a plurality of rules associated with the plurality of budgeting accounts; linking the reserved funds account and the plurality of budgeting funds accounts to a unified payment vehicle of the user, wherein the unified payment vehicle is operable to provide payment for a transaction; determining, from a plurality of available rewards programs and based on the details relating to the reserved funds account and a name of the reserved funds account, a plurality of applicable rewards programs; offering, via the interface and to the user, the plurality of applicable rewards programs in conjunction with a payment vehicle of the user, receiving, from the user and via the user interface, a selected rewards program of the plurality of applicable rewards programs, wherein the selected rewards program is a personalized rewards program for the user, wherein the selected rewards program deposits rewards directly into the reserved funds account; receiving transaction information by the unified payment vehicle from a merchant, wherein the transaction information is indicative of a plurality of products; generating a transaction for each product of the plurality of products, automatically allocating payment for each transaction among one or more of the plurality of budgeting accounts based on the plurality of rules specified by the user; and automatically allocating deposits among one or more of the plurality of budgeting accounts based on the plurality of rules specified by the user. ### Claim 18 (depends on 17) The media of claim 17, wherein the details relating to the reserved funds account describe a planned transaction using the payment vehicle, and wherein funds in the reserved funds account are only useable to provide payment for the planned transaction. ### Claim 19 (depends on 17) The media of claim 17, wherein the selected rewards program contributes cash rewards into the reserved funds account. ### Claim 20 (depends on 17) The media of claim 17, wherein the applicable rewards programs are offered to the user upon redemption of the reserved funds account.