Abstract: A method of defining an earnings profile and a reward profile for loyalty reward program for a credit card issuer for a plurality of participants. A survey to gather data related to the loyalty reward program earning types and the loyalty reward types is defined and response data related to the survey is collected from the plurality of participants. One or more segments of participants are identified as a function of the collected data. The collected data is further analyzed to determine the reach, frequency, and overlap of the loyalty reward program earning types for the identified segments and to determine preference shares for participants within the segments. At least one of the defined loyalty reward program earning types of the loyalty reward program is selected for the earnings profile of the loyalty reward program based on the determined reach, frequency, and overlap of the loyalty reward program earning types viewed in a first user interface.

Abstract: A method of developing a motivation to motivate participants associated with a program-owner. The reward types of a motivation profile are defined and the participants' preferences are collected through a survey. The collected participants' preferences are modeled to determine segments of participants with similar reward preferences. An optimal motivation profile consisting of the participants' preferred reward types is generated from the modeled data and presented to the program owner in a detailed report. Additionally, a motivation profile simulator for simulating the participants' preference to a proposed motivation profile and a segmentation tool for displaying the characteristics of each segment is generated.