FINANCIAL ACCOUNT UP-FRONT INCENTIVES MANAGEMENT SYSTEM AND METHOD

摘要

A system and method for incentivizing holders of financial accounts, e.g., credit card account holders, to engage in certain activities with those accounts. Account holders may be provided an up-front incentive (11) based o n a commitment to engage in certain account activities (14) in the future. If the account holder fails to satisfy his commitment (15), at least a portion of the value of the incentive may be charged (16) to a customer account. Reward s provided to an account holder to encourage particular account activities als o may include merchandise rewards, discounts and rebates or entries into a lottery type drawing for prizes.