Abstract: An enhanced rewards server may analyze the progress of an individual, group, and/or organization towards a financial goal and may reward the individual, group, and/or organization once the goal has been achieved. The enhanced rewards server may analyze various pieces of information, including transaction data related to credit cards and bank accounts, to determine whether the individual, group, and/or organization is making progress towards the financial goal. In addition, the rewards server may consider progress evaluations made by a social network associated with the individual, group, and/or organization in deciding whether or not a reward should be transmitted.

Abstract: A method, apparatus, computer-readable medium and system are disclosed for acquiring data with respect to a user. In some embodiments, a computational algorithm may determine whether to provide one or more products and/or services to a user. The products and/or services may be related to banking. In some embodiments, a device may receive a request for products/services. After an initial examination of the request, the device may make a determination that more information is needed. A request for the additional information may be transmitted, and the transmitted request may include one or more incentives for voluntarily disclosing the information. In some embodiments, the requested additional information may include verified income and/or expenses. A response to the request for additional information may be received at the device. The device may analyze the response and may extend an offer for products/services.

Abstract: A method of transactional savings is described. First and second portions of a total amount associated with a transaction may be identified. The first portion and the second portion may be different monetary funds of the total amount of monetary funds. A first account of a customer associated with an entity may be determined, and an amount of debt of monetary funds of the first account may be determined. The first portion of the total amount of monetary funds may be applied against the amount of debt of the first account, and the second portion may be maintained in a second account of the customer. Occurrence data representative of an occurrence of a triggering event associated with a transactional savings program of the entity may be received, and an amount of the second account to permit access to by the customer may be determined based upon the occurrence data.