Abstract: A computer system enables a financial institution to award an account reward points when a customer remits a payment in a timely basis. Consequently, the financial institution encourages repayment of debt and recognizes good behavior through reward points every time a payment is received on-time. Each time a customer pays on-time, a credit card company may assign reward points to the customer's account for the amount of the payment. When a payment for a loan has been received in accordance with a reward policy, a number of reward points may be awarded to a customer that is dependent on a payment amount. For example, when the payment amount is at least as great as a minimum due and not greater than a balance due, setting the number of reward points to a constant multiplied by the payment amount. However, the reward points may be determined in a non-linear fashion.

Abstract: Embodiments of the invention provide for allocating loyalty rewards to a customer in advance of the customer earning the reward based at least in part on historical purchasing performance. For example, in accordance with embodiments of the invention, the customer/participant is rewarded (e.g., provided rewards points or bestowed another reward) at the onset of a year based on the previous year's purchasing behavior/program participation, and as the customer/participant transacts throughout the ensuing year the purchases/transactions are decremented against the reward.

Abstract: A computer system enables a financial institution to award an account reward points when a customer remits a payment in a timely basis. Consequently, the financial institution encourages repayment of debt and recognizes good behavior through reward points every time a payment is received on-time. Each time a customer pays on-time, a credit card company may assign reward points to the customer's account for the amount of the payment. When a payment for a loan has been received in accordance with a reward policy, a number of reward points may be awarded to a customer that is dependent on a payment amount. For example, when the payment amount is at least as great as a minimum due and not greater than a balance due, setting the number of reward points to a constant multiplied by the payment amount. However, the reward points may be determined in a non-linear fashion.

Abstract: An online travel reward exchange that in response to receipt of search criteria related to a desired travel product provides a first option for a travel product at a lowest available published price (LAPP) related to at least one desired travel product, and provides a second option to see more travel product options related to the at least one desired travel product.