Abstract: Embodiments of the invention are directed to a system, method, or computer program product for an auxiliary hub for passive resource conversion and collection. The system generations and provides a centralized hub for passive resource conversion. The passive resources may be linked from a third party to the hub for direct extraction of the passive resource to the hub. Furthermore, the system may translate the passive resource into active resource via a modification ratio based on the type of passive resource and passive resource provider. The user may then be able to utilize this centralized auxiliary hub for completion or partial completion of resource distributions. The invention further provides a graphical user interface that integrates the centralized auxiliary hub with user mobile applications, on-line applications, and the like allowing for partial selection from the hub and other resource sources for distribution.

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.