Abstract: Systems, computer program products, and methods are described herein for an intelligent resource deployment counteroffer system. The present invention is configured to receive a request for one or more additional resources to be deployed to the user; retrieve information associated with a resource utilization profile associated with the user; determine that a deployment of the one or more additional resources to the user will exceed the resource capacity; initiate one or more optimization algorithms on the resource utilization profile, the one or more additional resources, and one or more alternative resources to determine at least one favorable alternative resource to the one or more additional resources; determine a counteroffer associated with the deployment of the one or more additional resources based on at least determining the at least one favorable alternative resource; and display the counteroffer to the user.

Abstract: A computer system enables a financial institution to award an account reward points when a customer remits a payment in a timely basis. Consequently, the financial institution encourages repayment of debt and recognizes good behavior through reward points every time a payment is received on-time. Each time a customer pays on-time, a credit card company may assign reward points to the customer's account for the amount of the payment. When a payment for a loan has been received in accordance with a reward policy, a number of reward points may be awarded to a customer that is dependent on a payment amount. For example, when the payment amount is at least as great as a minimum due and not greater than a balance due, setting the number of reward points to a constant multiplied by the payment amount. However, the reward points may be determined in a non-linear fashion.

Abstract: A computer system enables a financial institution to award an account reward points when a customer remits a payment in a timely basis. Consequently, the financial institution encourages repayment of debt and recognizes good behavior through reward points every time a payment is received on-time. Each time a customer pays on-time, a credit card company may assign reward points to the customer's account for the amount of the payment. When a payment for a loan has been received in accordance with a reward policy, a number of reward points may be awarded to a customer that is dependent on a payment amount. For example, when the payment amount is at least as great as a minimum due and not greater than a balance due, setting the number of reward points to a constant multiplied by the payment amount. However, the reward points may be determined in a non-linear fashion.