Abstract: A system and method for remote data access of customer loyalty information, said data being used to locally display a loyalty offer. The method comprising the steps of: detecting the presence of a customer at a merchant's location (store or web site) via an identifier, wherein the identifier is associated with and enables the customer to accumulate merchant value from a plurality of merchants based on the customer's behavior; generating customer, reward program, and/or general information at a remote location based on the identifier; and identifying at least one relevant merchant loyalty offer based on the customer, reward program, and/or general information, wherein the at least one relevant merchant loyalty offer is consortium-based; offering the customer or a designee of the customer at the merchant's location at least one of the at least one relevant merchant loyalty offer.

Abstract: The present invention relates to methods for allowing an account holder to easily customize the terms of an account such as a loan account, an asset account, a mortgage account, an insurance account, or a brokerage account. Exemplary embodiments of the invention allow the user to specify various preferred terms such as cost (e.g., APR and annual fee), rewards programs, card design, affiliates, credit line, and payment due date, among others. The financial service provider issuing the account, e.g., the issuing bank, may make the various available terms for the account easily accessible to the user, for example through an internet website or an automated phone system, enabling the user to easily specify his or her preferences. The customization methods may be applied to the process of opening a new account or customizing an existing account. The customization methods may dynamically update the available terms as the user begins to select his or her desired terms.

Abstract: A method for identifying and offering rewards is provided. 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, or currency type, currency history, customer responses to questions, and/or other data or information that enables identification of relevant rewards is determined. Next, at least one reward category based on the user's transaction history or reward category history is dynamically prioritized, and at least one top reward category based on the dynamic prioritizing of the at least one reward category is determined. Finally, the user is dynamically rewarded discounts, rebates, coupons, or other reward incentives based on the least one top reward category.

Abstract: The present invention relates to methods for allowing an account holder to easily customize the terms of an account such as a loan account, an asset account, a mortgage account, an insurance account, or a brokerage account. Exemplary embodiments of the invention allow the user to specify various preferred terms such as cost (e.g., APR and annual fee), rewards programs, card design, affiliates, credit line, and payment due date, among others. The financial service provider issuing the account, e.g., the issuing bank, may make the various available terms for the account easily accessible to the user, for example through an internet website or an automated phone system, enabling the user to easily specify his or her preferences. The customization methods may be applied to the process of opening a new account or customizing an existing account. The customization methods may dynamically update the available terms as the user begins to select his or her desired terms.

Abstract: The present invention relates to methods for allowing an account holder to easily customize the terms of an account such as a loan account, an asset account, a mortgage account, an insurance account, or a brokerage account. Exemplary embodiments of the invention allow the user to specify various preferred terms such as cost (e.g., APR and annual fee), rewards programs, card design, affiliates, credit line, and payment due date, among others. The financial service provider issuing the account, e.g., the issuing bank, may make the various available terms for the account easily accessible to the user, for example through an internet website or an automated phone system, enabling the user to easily specify his or her preferences. The customization methods may be applied to the process of opening a new account or customizing an existing account. The customization methods may dynamically update the available terms as the user begins to select his or her desired terms.

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.

Abstract: A system and method for identifying and offering reward programs. The method comprises the step of determining at least one rewards program associated with a user. The next step involves determining the user's transaction history or reward program history with a first reward card associated with the rewards program. Then, the method determines at least one alternative reward programs to offer the user based on the user's transaction history or reward program history, and the offering the user the opportunity to enroll in the alternative rewards program. Next, the method converts rewards associated with the at least one rewards program to rewards associated with the at least one alternative reward program if the user accepts the offer to enroll.

Abstract: The present invention relates to methods for allowing an account holder to easily customize the terms of an account such as a loan account, an asset account, a mortgage account, an insurance account, or a brokerage account. Exemplary embodiments of the invention allow the user to specify various preferred terms such as cost (e.g., APR and annual fee), rewards programs, card design, affiliates, credit line, and payment due date, among others. The financial service provider issuing the account, e.g., the issuing bank, may make the various available terms for the account easily accessible to the user, for example through an internet website or an automated phone system, enabling the user to easily specify his or her preferences. The customization methods may be applied to the process of opening a new account or customizing an existing account. The customization methods may dynamically update the available terms as the user begins to select his or her desired terms.