Elizabeth Gula

US Patent:

20070156530, Jul 5, 2007

Filed:

Mar 14, 2007

Appl. No.:

11/686203

Inventors:

Donald Schmitt - Greenville DE, US
Brian Gantert - Hockessin DE, US
Elizabeth Gula - Lincoln University PA, US
Douglas Filak - Kennet Square PA, US
Stacy Hamilton - Avondale PA, US

Assignee:

JPMorgan Chase Bank, N.A. - New York NY

International Classification:

G06Q 30/00

US Classification:

705014000

Abstract:

A system and method for identifying and offering rewards. The method comprises the steps of determining a user's transaction history or category history, such as, for example, spending history, transaction history, merchant history, purchases history, services history, product history, channel history, frequency of spending history, SKU history , redemption history, reward earnings history, earning levels, reward categories, currency type (e.g., points, miles or cash), or any other particular related to a reward category), currency history, customer responses to questions, and/or other data or information that enables identification of relevant rewards. Next, the method dynamically prioritizes at least one reward category based on the user's transaction history or reward category history, and determines at least one top reward category based on the dynamic prioritizing of the at least one reward category. Finally, the method dynamically rewards the user discounts, rebates, coupons, or other reward incentives based on the least one top reward category.

US Patent:

20120066045, Mar 15, 2012

Filed:

Oct 24, 2011

Appl. No.:

13/279685

Inventors:

Donald H. Schmitt - Greenville DE, US
Brian S. Gantert - Hockessin DE, US
Elizabeth Gula - Lincoln University PA, US
Douglas A. Filak - Hockessin DE, US
Stacy M. Hamilton - Avondale PA, US

Assignee:

JPMorgan Chase Bank, N.A. - New York NY

International Classification:

G06Q 30/02

US Classification:

705 1425

Abstract:

A method for identifying and offering rewards is provided. A user's transaction history or category history, such as, for example, spending history, transaction history, merchant history, purchases history, services history, product history, channel history, frequency of spending history, SKU history, redemption history, reward earnings history, earning levels, reward categories, or currency type, currency history, customer responses to questions, and/or other data or information that enables identification of relevant rewards is determined. Next, at least one reward category based on the user's transaction history or reward category history is dynamically prioritized, and at least one top reward category based on the dynamic prioritizing of the at least one reward category is determined. Finally, the user is dynamically rewarded discounts, rebates, coupons, or other reward incentives based on the least one top reward category.

US Patent:

20070078719, Apr 5, 2007

Filed:

Dec 6, 2006

Appl. No.:

11/634159

Inventors:

Donald Schmitt - Greenville DE, US
Brian Gantert - Hockessin DE, US
Elizabeth Gula - Lincoln University PA, US
Douglas Filak - Hockessin DE, US
Stacy Hamilton - Avondale PA, US

Assignee:

JP Morgan Chase Bank - New York NY

International Classification:

G06Q 30/00

US Classification:

705014000

Abstract:

A system and method for identifying and offering reward programs. The method comprises the step of determining at least one rewards program associated with a user. The next step involves determining the user's transaction history or reward program history with a first reward card associated with the rewards program. Then, the method determines at least one alternative reward programs to offer the user based on the user's transaction history or reward program history, and the offering the user the opportunity to enroll in the alternative rewards program. Next, the method converts rewards associated with the at least one rewards program to rewards associated with the at least one alternative reward program if the user accepts the offer to enroll.