SYSTEM AND METHOD FOR INCENTIVIZING CONSUMERS

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United States of America Patent

SERIAL NO

12496394

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Abstract

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The system evaluates a set of incentives based upon a variety of factors and/or predetermined rules and consumers are provided incentives when they satisfy one or more criteria of making payments for their transaction accounts. The one or more criteria include making an early payment, paying more than a minimum amount due, and making the payment through an automatic payment scheme. If a received payment satisfies one or more predefined criteria, one or more incentives are selected for the consumer, tracked, and provided to the consumer. The system analyzes payment information to determine attributes and positive (desirable) behavior and provides incentives to the consumer based on such positive behaviors.

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Patent Owner(s)

Patent OwnerAddress
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY INC200 VESEY STREET NEW YORK NY 10285-4900

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Etheredge, Christine C New York , US 14 267
Kaplan, Jessica A New York , US 13 227
Kapoor, Deepak K Hartsdale , US 11 205
Leung, Jason K Jersey City , US 13 227
Perry, Denee Brooklyn , US 13 227
Sharnak, Larry East Brunswick , US 7 171

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