| 摘要 |
Embodiments of the invention are directed to a computer-implemented method for reducing funding burden on a credit issuer by offering an early payment rewards program to qualified card holders. The method may include identifying card holders having a payment history illustrating payment of an entire credit balance each month, determining whether each of the identified card holders generates an account-related fee total not exceeding a pre-selected threshold, and selecting the card holders having a history of payment of the entire credit balance each month and generating account-related fees not exceeding the pre-selected threshold. The method may further include offering the early payment rewards program to the selected card holders, wherein upon enrollment in the early payment rewards program the selected card holders receive rewards for early payment behavior. Additional aspects of the method include receiving notification of a payment at an early payment rewards system, determining if the received payment generates early payment rewards, and evaluating the received payment based on retrieved early payment rules to calculate a reward amount. The method may further include adding the calculated reward amount to a participant account. |
