WO2008021382A3 - System and method for dynamically identifying, prioritizing and offering reward categories - Google Patents

System and method for dynamically identifying, prioritizing and offering reward categories Download PDF

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Publication number
WO2008021382A3
WO2008021382A3 PCT/US2007/018039 US2007018039W WO2008021382A3 WO 2008021382 A3 WO2008021382 A3 WO 2008021382A3 US 2007018039 W US2007018039 W US 2007018039W WO 2008021382 A3 WO2008021382 A3 WO 2008021382A3
Authority
WO
WIPO (PCT)
Prior art keywords
history
reward
category
user
rewards
Prior art date
Application number
PCT/US2007/018039
Other languages
French (fr)
Other versions
WO2008021382A2 (en
Inventor
Donald H Schmitt
Brian S Gantert
Elizabeth Gula
Douglas A Filak
Stacy M Hamilton
Original Assignee
Jpmorgan Chase Bank Na
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US11/686,203 external-priority patent/US20070156530A1/en
Application filed by Jpmorgan Chase Bank Na filed Critical Jpmorgan Chase Bank Na
Publication of WO2008021382A2 publication Critical patent/WO2008021382A2/en
Publication of WO2008021382A3 publication Critical patent/WO2008021382A3/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising

Abstract

A system and method for identifying and offering rewards. The method comprises the steps of determining a user's transaction history or category history, such as, for example, spending history, transaction history, merchant history, purchases history, services history, product history, channel history, frequency of spending history, SKU history, redemption history, reward earnings history, earning levels, reward categories, currency type (e.g., points, miles or cash), or any other particular related to a reward category), currency history, customer responses to questions, and/or other data or information that enables identification of relevant rewards. Next, the method dynamically prioritizes at least one reward category based on the user's transaction history or reward category history, and determines at least one top reward category based on the dynamic prioritizing of the at least one reward category. Finally, the method dynamically rewards the user discounts, rebates, coupons, or other reward incentives based on the least one top reward category.
PCT/US2007/018039 2006-08-16 2007-08-16 System and method for dynamically identifying, prioritizing and offering reward categories WO2008021382A2 (en)

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US82261106P 2006-08-16 2006-08-16
US60/822,611 2006-08-16
US84201506P 2006-09-05 2006-09-05
US60/842,015 2006-09-05
US11/686,203 US20070156530A1 (en) 2001-11-01 2007-03-14 System and Method for Dynamically Identifying, Prioritizing and Offering Reward Categories
US11/686,203 2007-03-14

Publications (2)

Publication Number Publication Date
WO2008021382A2 WO2008021382A2 (en) 2008-02-21
WO2008021382A3 true WO2008021382A3 (en) 2008-11-20

Family

ID=39082706

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2007/018039 WO2008021382A2 (en) 2006-08-16 2007-08-16 System and method for dynamically identifying, prioritizing and offering reward categories

Country Status (1)

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WO (1) WO2008021382A2 (en)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7801799B1 (en) 1998-11-17 2010-09-21 Jpmorgan Chase Bank, N.A. Customer activated multi-value (CAM) card
US8515868B2 (en) 2001-07-24 2013-08-20 Jpmorgan Chase Bank, N.A. Multiple account advanced payment card and method of routing card transactions

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7899753B1 (en) 2002-03-25 2011-03-01 Jpmorgan Chase Bank, N.A Systems and methods for time variable financial authentication
US20040210498A1 (en) 2002-03-29 2004-10-21 Bank One, National Association Method and system for performing purchase and other transactions using tokens with multiple chips
US20040122736A1 (en) 2002-10-11 2004-06-24 Bank One, Delaware, N.A. System and method for granting promotional rewards to credit account holders
US9785973B2 (en) 2005-02-04 2017-10-10 Cellfire Inc. Delivering targeted advertising to mobile devices
US20090030779A1 (en) * 2005-02-04 2009-01-29 Preston Tollinger Electronic coupon filtering and delivery
US8417601B1 (en) 2007-10-18 2013-04-09 Jpmorgan Chase Bank, N.A. Variable rate payment card
US20150235255A1 (en) 2014-02-20 2015-08-20 American Express Travel Related Services Company, Inc. System and method for frequency based rewards
US11610219B2 (en) * 2020-06-01 2023-03-21 Synchrony Bank Systems and methods for optimizing allocation of points

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050222906A1 (en) * 2002-02-06 2005-10-06 Chen Timothy T System and method of targeted marketing

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050222906A1 (en) * 2002-02-06 2005-10-06 Chen Timothy T System and method of targeted marketing

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7801799B1 (en) 1998-11-17 2010-09-21 Jpmorgan Chase Bank, N.A. Customer activated multi-value (CAM) card
US8515868B2 (en) 2001-07-24 2013-08-20 Jpmorgan Chase Bank, N.A. Multiple account advanced payment card and method of routing card transactions

Also Published As

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