Abstract: Interest rates are applied to an account at a financial institution. A computer program determines whether the account qualifies for application of a first alternate interest rate in response to the account satisfying a first alternate interest rate qualification criteria and whether the account qualifies for application of a base interest rate. The program communicates application of the first alternate interest rate to the account for an accounting period applicable to the first alternate interest rate if the account qualifies for the first alternate interest rate. In an event wherein the account does not qualify for the first alternate interest rate, the program communicates application of the base interest rate to the account for an accounting period applicable to the base interest rate if the account qualifies for the base interest rate.

Abstract: A system and method of operating a rewards program through a financial institution for granting rewards to customers enrolled in the rewards program wherein the customer receives one or more reward credits in an account associated with the financial institution if the customer meets certain qualification criteria. The method may include determining if the account qualifies for an award credit; assigning a reward credit to the account; receiving purchase information regarding a purchase made at a merchant associated with the customer's account; identifying from the purchase information whether the purchase was made at a qualifying merchant; and applying the reward credit towards the purchase made by the customer at the qualifying merchant by applying a reward credit to the customer's account based upon the business rules applicable to the reward program.

Abstract: A system and method of operating a rewards program through a financial institution for granting rewards to customers enrolled in the rewards program wherein the customer receives one or more reward credits in an account associated with the financial institution if the customer meets certain qualification criteria. The method may include determining if the account qualifies for an award credit; assigning a reward credit to the account; receiving purchase information regarding a purchase made at a merchant associated with the customer's account; identifying from the purchase information whether the purchase was made at a qualifying merchant; and applying the reward credit towards the purchase made by the customer at the qualifying merchant by applying a reward credit to the customer's account based upon the business rules applicable to the reward program.