Abstract: A virtual punch card rewards system is described. The system includes a user database that stores user information concerning a plurality of users, a network interface configured to communicate data over a network, and a processing circuit comprising a processor and memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive transaction information concerning a payment account belonging to a user, determine a reward category for the user based on the retrieved transaction information, generate virtual punch card parameters for the user based on the determined reward category, and transmit, by the network interface over the network, virtual punch card content to a computing device associated with the user, the virtual punch card content including a first graphical interface configured to present the user with at least one of the generated virtual punch card parameters.

Abstract: Examples described herein relate to apparatuses and methods for providing automated advising services to a customer of a provider institution, including but not limited to a provider institution computing system determining a goal of the customer based on a user input of the customer, generating a set of sub-goals for the goal, determining a current status of the customer relating to the sub-goals and the goal, determining whether the current status of the customer meets any sub-goals and a projected status of the customer indicating whether the customer is projected to meet the goal, and sending a notification to a user device of the customer notifying the customer of a completion state of the goal based on at least one of the sub-goals met by the current status of the customer and whether the customer is projected to meet the goal.

Abstract: A virtual punch card rewards system is described. The system includes a user database that stores user information concerning a plurality of users, a network interface configured to communicate data over a network, and a processing circuit comprising a processor and memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive transaction information concerning a payment account belonging to a user, determine a reward category for the user based on the retrieved transaction information, generate virtual punch card parameters for the user based on the determined reward category, and transmit, by the network interface over the network, virtual punch card content to a computing device associated with the user, the virtual punch card content including a first graphical interface configured to present the user with at least one of the generated virtual punch card parameters.

Abstract: Examples described herein relate to apparatuses and methods for providing automated advising services to a customer of a provider institution, including but not limited to a provider institution computing system determining a goal of the customer based on a user input of the customer, generating a set of sub-goals for the goal, determining a current status of the customer relating to the sub-goals and the goal, determining whether the current status of the customer meets any sub-goals and a projected status of the customer indicating whether the customer is projected to meet the goal, and sending a notification to a user device of the customer notifying the customer of a completion state of the goal based on at least one of the sub-goals met by the current status of the customer and whether the customer is projected to meet the goal.