Systems and methods for determining and providing non-financial benefits on a subscription basis

A system comprising:

• a network interface configured to communicate, via a network, with a customer device associated with a customer;
• and
• a processing circuit comprising a memory and at least one processor, the memory storing instructions that are executable by the at least one processor to:
• receive a request from the customer to open a subscription account;
• create the subscription account for the customer;
• deduct a fee from the subscription account, the fee structured to subsidize benefit fees associated with benefits for the customer;
• determine a benefit for the customer, wherein the benefit is offered by a third-party vendor in exchange for an associated fee, wherein determining the benefit for the customer comprises:
• interface with a vendor computing system associated with the third-party vendor;
• and
• determine, based at least in part on the interfacing, that the customer already has an account with the third-party vendor associated with the benefit;
• reimburse the subscription account for the customer in an amount of the fee associated with the benefit;
• gather financial information associated with the customer;
• analyze the financial information to identify positive financial behavior of the customer;
• invoke, via a user interface on the customer device, a graphical depiction executable, wherein the graphical depiction comprises a chart generated by the system, wherein the chart comprises financial information of the customer;
• determine that the positive financial behavior meets a threshold;
• offer the customer a reward based on the positive financial behavior meeting the threshold;
• and
• display, on a customer device of the customer, the reward.

A non-transitory computer-readable media comprising instructions stored thereon that, when executed by a processor of a provider computing system, cause the provider computing system to perform operations comprising:

• receive a request from a customer to open a subscription account;
• create the subscription account for the customer;
• deduct a fee from the subscription account, the fee structured to subsidize benefit fees associated with benefits for the customer;
• determine a benefit for the customer, wherein the benefit is offered by a third-party vendor in exchange for an associated fee, wherein determining the benefit for the customer comprises:
• interface with a vendor computing system associated with the third-party vendor;
• and
• determine, based at least in part on the interfacing, that the customer already has an account with the third-party vendor associated with the benefit;
• reimburse the subscription account for the customer in an amount of the fee associated with the benefit;
• gather financial information associated with the customer;
• analyze the financial information to identify positive financial behavior of the customer;
• invoke, via a user interface on a customer device associated with the customer, a graphical depiction executable, wherein the graphical depiction comprises a chart generated by the provider computing system, wherein the chart comprises financial information of the customer;
• determine that the positive financial behavior meets a threshold;
• offer the customer a reward based on the positive financial behavior meeting the threshold;
• and
• display, on a customer device of the customer, the reward.