System and method for managing customized reward offers
Patent 7430521 Issued on September 30, 2008. Estimated Expiration Date: August 12, 2022. Estimated Expiration Date is calculated based on simple USPTO term provisions. It does not account for terminal disclaimers, term adjustments, failure to pay maintenance fees, or other factors which might affect the term of a patent.
705/14, Distribution or redemption of coupon, or incentive or promotion program705/10, Market analysis, demand forecasting or surveying705/30, Accounting705/34, Bill preparation705/38, Credit (risk) processing or loan processing (e.g., mortgage)705/39, Including funds transfer or credit transaction705/40, Bill distribution or payment705/41Having programming of a portable memory device (e.g., IC card, "electronic purse")
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.
“New Partners, more exciting rewards: The Membership Rewards program for 1998.”, American Express, (http//www Americanexpress com/rewards/news/docs/1998new—mr shtml), download date: Mar. 12, 1998.
Website: “Mobil Speedpass/Mobil Fleet/Mobil Business Credit Cards”, (http //www mobil com/business/credit/fleet/product html), download date: Mar. 12, 1998.