Abstract: A Value Proposition System (VPS) is incorporated into a financial institution's information systems, and acts as a central repository for value propositions that are available from the institution, such as account groups, discounts for minimum balance or transaction volumes, and the like. The VPS uses a data store to collect data relating to those value propositions customers have purchased or enrolled in. The data store is regularly updated by communicating information with other bank systems. This enables the VPS to evaluate value propositions to determine whether customers are qualified for the benefit of a value proposition, or alternatively have lost entitlement to those benefits.