SYSTEMS AND METHODS TO PROVIDE BENEFITS ACCORDING TO ACCOUNT FEATURES

摘要

Systems and methods are provided to facilitate the sharing of account features and/or to facilitate the generation and notification of transactions associated with the account features. In one aspect, a system includes a transaction handler to process transactions and a data warehouse to record the transactions and store account data identifying account features of separate accounts, such as a second account having a feature and a first account without this feature. Account holders of the first and second accounts are in a same household and thus, in accordance with a set of rules, eligible to share the account features. A portal is configured to receive a request identifying the first account and to determine whether a transaction initiated in the first account and qualified for a benefit of the account feature is entitled to the benefit; and if so, a notification engine is to transmit a notification message to an account holder of the first account. In another aspect, the data warehouse is to further store rules data identifying at least one qualification requirement. The system further includes a feature offer engine to use the rules data to monitor the transactions in the account to identify a first transaction. The notification engine is to provide the account holder with an offer associated with a first account feature in real time with processing of the first transaction, and the portal to receive an approval of a second transaction in accordance with the offer.