System and method for providing an automatic purchase reward

摘要

A system and method for accessing promotion information and for generating available rewards therefrom is disclosed. The system stores a plurality of promotion information records, where each record includes an available reward in connection with a purchase from a vendor. The system also stores a user profile for a system user which includes user preference information based upon preferences of the user. The stored promotion information records are presented to the user. Such user selects records for presentation and selects the available reward of a record. The selected available reward is the stored for the user. A reward is issued to the user upon presentation of a pre-determined account identifier to a vendor in connection with a purchase for which the available reward has been stored. The account identifier identifies an account from which funds are to be transferred to the vendor. A transaction record corresponding to the purchase is received, and includes the account identifier and a first amount of funds to be debited from the identified account. The received transaction record is compared with the selected available reward to determine that the reward should be issued based on the purchase and the available reward. Based on such determination, the identified account is credited for a second amount of funds based on the reward.