US 2014/0279799 A1 · PROVIDING REWARDS BUCKETS AND SAVINGS TOWARDS SPECIFIC GOALS

Abstract

Embodiments of the invention relate to systems, methods, and computer program products for providing a rewards program. The system, method, and computer program product are configured to determine that a customer has completed an action; determine that the customer has earned a reward based on the action; determine a category associated with the reward; and apply the reward to the category. In some situations, the categories are default categories provided by the financial institution. In other situations, the categories are defined by the customer. The system determines which category an earned award is routed into using a decision engine that evaluates the award and/or the action completed by the customer and compares the award and/or action to rules, such as default rules, custom rules, or dynamic rules. The categories may also include goals and the system assists in tracking customer's progress towards the goal.

Claims21

Dependent claims

A system for providing a rewards program, the system comprising:

a computer apparatus including a processor and a memory;
and
a software module stored in the memory, comprising executable instructions that when executed by the processor cause the processor to:
determine that a customer has completed an action;
determine that the customer has earned a reward based on the action;
determine a category associated with the reward;
and
apply the reward to the category.

5 more elements

Dependencies are inferred from the claim text.

Providing rewards buckets and savings towards specific goals

Life of this patent

Providing rewards buckets and savings towards specific goals

Life of this patent

Abstract

Claims21