公开(公告)号：US11715125B1

公开(公告)日：2023-08-01

申请号：US17665898

申请日：2022-02-07

申请人： Wells Fargo Bank, N.A.

发明人： Laura Chang ,  Megan A. DesPlanques ,  Richard Eiel ,  Cem Isin ,  Kim Lohrer ,  Sarah W. Phelps ,  Adeline Rassas

IPC分类号： G06Q30/0226 ,  G06Q30/0207

CPC分类号： G06Q30/0233 ,  G06Q30/0215 ,  G06Q30/0224

摘要： Systems, methods, and apparatuses for encouraging engagement with a rewards system are described herein. A customer associated with a customer device holds a rewards account with a provider associated with a provider computing system. The provider computing system receives rewards and payment card activity of the customer, analyzes the rewards and payment card activity, and generates a rewards engagement rating, which the provider uses to generate and transmit tailored rewards engagement messages to the customer device. The messages provide rewards earn and burn opportunities in which the customer can select to participate.

公开(公告)号：US12125058B2

公开(公告)日：2024-10-22

申请号：US18227792

申请日：2023-07-28

申请人： Wells Fargo Bank, N.A.

发明人： Laura Chang ,  Megan A. DesPlanques ,  Richard Eiel ,  Cem Isin ,  Kim Lohrer ,  Sarah W. Phelps ,  Adeline Rassas

IPC分类号： G06Q30/0226 ,  G06Q30/0207

CPC分类号： G06Q30/0233 ,  G06Q30/0215 ,  G06Q30/0224

摘要： Systems, methods, and apparatuses for encouraging engagement with a rewards system are described herein. A customer associated with a customer device holds a rewards account with a provider associated with a provider computing system. The provider computing system receives rewards and payment card activity of the customer, analyzes the rewards and payment card activity, and generates a rewards engagement rating, which the provider uses to generate and transmit tailored rewards engagement messages to the customer device. The messages provide rewards earn and burn opportunities in which the customer can select to participate.

公开(公告)号：US20230410139A1

公开(公告)日：2023-12-21

申请号：US18227792

申请日：2023-07-28

申请人： Wells Fargo Bank, N.A.

发明人： Laura Chang ,  Megan A. DesPlanques ,  Richard Eiel ,  Cem Isin ,  Kim Lohrer ,  Sarah W. Phelps ,  Adeline Rassas

IPC分类号： G06Q30/0226 ,  G06Q30/0207

CPC分类号： G06Q30/0233 ,  G06Q30/0215 ,  G06Q30/0224

摘要： Systems, methods, and apparatuses for encouraging engagement with a rewards system are described herein. A customer associated with a customer device holds a rewards account with a provider associated with a provider computing system. The provider computing system receives rewards and payment card activity of the customer, analyzes the rewards and payment card activity, and generates a rewards engagement rating, which the provider uses to generate and transmit tailored rewards engagement messages to the customer device. The messages provide rewards earn and burn opportunities in which the customer can select to participate.

公开(公告)号：US11244342B1

公开(公告)日：2022-02-08

申请号：US16228442

申请日：2018-12-20

申请人： Wells Fargo Bank, N.A.

发明人： Laura Chang ,  Megan A. DesPlanques ,  Richard Eiel ,  Cem Isin ,  Kim Löhrer ,  Sarah W. Phelps ,  Adeline Rassas

IPC分类号： G06Q30/02

摘要： Systems, methods, and apparatuses for encouraging engagement with a rewards system are described herein. A customer associated with a customer device holds a rewards account with a provider associated with a provider computing system. The provider computing system receives rewards and payment card activity of the customer, analyzes the rewards and payment card activity, and generates a rewards engagement rating, which the provider uses to generate and transmit tailored rewards engagement messages to the customer device. The messages provide rewards earn and burn opportunities in which the customer can select to participate.