METHOD AND SYSTEM FOR OFFERING SPENDING-BASED REWARDS

摘要

A system and method in accordance with example embodiments may include evaluating account holder data, determining an account holder specific rewards program, and providing the account holder specific rewards program to the account holder. The rewards program may include a rewards and/or cash-back eligibility for a number of rewards or cash-back options.

主权项

1. A system, comprising:
at least one database storing account holder data and rewards data; and a rewards processor that analyzes account holder data associated with an account to determine at least one account spending pattern associated with the account holder and determines, using the rewards data and the account spending pattern, an account holder specific rewards redemption program, wherein the account holder specific rewards redemption program is based on the at least one account holder spending pattern, the account holder specific rewards program associates the account with a particular level, and wherein a redemption value associated with the customer specific rewards redemption program varies based on the account holder's spending.