Abstract: A computer system enables a financial institution to award a fixed reward that may include one or more fixed components based on at least one payment criterion when a customer remits a payment in a timely basis. The payment criteria, for example, may include paying a minimum amount for each consecutive billing period in a timely manner over a predetermined calendar interval. When the customer is awarded the fixed reward, the reward may be directed to an account that is designated by the customer. The fixed reward may also include a basic fixed amount for satisfying the at least one payment criterion a well as an additional fixed amount if the customer has a specified relationship (such as a checking and/or a savings account) with the financial institution.

Abstract: A computer system enables a financial institution to award a fixed reward that may include one or more fixed components based on at least one payment criterion when a customer remits a payment in a timely basis. The payment criteria, for example, may include paying a minimum amount for each consecutive billing period in a timely manner over a predetermined calendar interval. When the customer is awarded the fixed reward, the reward may be directed to an account that is designated by the customer. The fixed reward may also include a basic fixed amount for satisfying the at least one payment criterion a well as an additional fixed amount if the customer has a specified relationship (such as a checking and/or a savings account) with the financial institution.

Abstract: A method for allocating rewards across a plurality of rewards programs, each associated with one or more accounts owned by a customer, the method includes receiving customer input indicating that one or more rewards associated with a first rewards program should be associated with a second rewards program, determining a conversion factor configured for assisting conversion of the one or more rewards from the first rewards program to the second rewards program, applying, using a processing device, the conversion factor to the one or more rewards, thereby resulting in one or more converted rewards; and associating the one or more converted rewards with the second rewards program.

Abstract: A system and method for providing a customer-centric rewards interface configured to communicate to a customer information related to one or more rewards programs associated with one or more customer accounts includes authenticating an identity of the customer, receiving customer input requesting presentation of the rewards interface, and initiating presentation, using a processing device, to the customer of the rewards interface comprising information related to one or more rewards programs associated with the customer.

Abstract: A method for providing a customer-centric rewards platform configured to communicate to a customer information related to one or more rewards programs associated with one or more customer accounts includes initiating presentation, using a processing device, to the customer of the rewards platform comprising information related to one or more rewards programs associated with the customer, wherein each of the rewards programs is associated with at least one customer account, determining a non-account transaction event indicating one or more rewards should be applied to one or more rewards accounts has occurred, each of the one or more rewards accounts associated with one or more customer accounts, and crediting one or more rewards accounts with one or more rewards based at least in part on the occurrence of the non-account transaction event.