US-12626271-B2 - Systems and methods for rewards engagement score

US12626271B2US 12626271 B2US12626271 B2US 12626271B2US-12626271-B2

Abstract

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.

Inventors

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

Assignees

WELLS FARGO BANK, N.A.

Dates

Publication Date: 20260512
Application Date: 20241021

Claims (20)

1 . A method comprising: establishing, by a provider computing system comprising one or more processors, an application programming interface to enable communication between the provider computing system and a client application installed on a user device; transmitting, by the provider computing system, a first push notification to the user device of a user, the first push notification comprising a first rewards engagement message for display in a first graphical user interface of the client application running on the user device, the first rewards engagement message being based at least on rewards activity information associated with a rewards account of the user; receiving, by the provider computing system, from the client application via the application programming interface, a first indication of a dismissal of the first rewards engagement message displayed on the first graphical user interface of the client application; transmitting, by the provider computing system, a second push notification to the client application, the second push notification comprising a second rewards engagement message for display in a second graphical user interface of the client application, the second rewards engagement message being based at least on the dismissal; receiving, by the provider computing system, from the client application, a second indication of a click of a link in the second rewards engagement message; generating, by the provider computing system, a rewards engagement score for the rewards account based on the click of the link; transmitting, by the provider computing system, a third push notification to the client application via the application programming interface, the third push notification comprising a third rewards engagement message for display in a third graphical user interface, the third rewards engagement message being based on the rewards engagement score; and assigning, by the provider computing system, redemption points to the rewards account based on the rewards engagement score.
2 . The method of claim 1 , further comprising receiving, by the provider computing system, from the client application running on the user device, the rewards activity information associated with the rewards account.
3 . The method of claim 1 , wherein the first indication is based on a first interaction with the first graphical user interface, and the second indication is based on a second interaction with the second graphical user interface.
4 . The method of claim 1 , further comprising establishing, by the provider computing system, an application programming interface with the client application installed on the user device to enable communication between the provider computing system and the client application.
5 . The method of claim 1 , further comprising receiving, by the provider computing system, from the client application or from a merchant device, payment card information transmitted by the client application to the merchant device, the payment card information associated with a payment account associated with a user of the user device.
6 . The method of claim 5 , wherein the rewards engagement score is further based on the payment card information.
7 . The method of claim 1 , further comprising: determining, by the provider computing system, that the redemption points were not redeemed within a predetermined amount of time; and transmitting, by the provider computing system, redemption information for display in a fourth graphical user interface of the client application to indicate that the redemption points assigned to the rewards account were not redeemed.
8 . The method of claim 7 , wherein determining that the redemption points were not redeemed within the predetermined amount of time is based on information received from a merchant device.
9 . The method of claim 1 , further comprising: receiving, by the provider computing system, a rewards redemption indication from the user device in response to the third rewards engagement message; and debiting, by the provider computing system, the redemption points from the rewards account.
10 . The method of claim 1 , further comprising: receiving, by the provider computing system, a payment card indication from the user device in response to the third rewards engagement message, the payment card indication relating to a purchase made by the user device using a payment card associated with the rewards account; and crediting, by the provider computing system, the redemption points to the rewards account.
11 . The method of claim 1 , wherein the rewards engagement score is a third rewards engagement score, and wherein the method further comprises: generating, by the provider computing system, prior to transmitting the first push notification to the user device, a first rewards engagement score for the rewards account based on the rewards activity information associated with the rewards account of the user; and generating, by the provider computing system, a second rewards engagement score for the rewards account based on the dismissal of the first rewards engagement message, wherein the second rewards engagement score is lower than the first rewards engagement score.
12 . The method of claim 1 , wherein the second indication corresponds to a rewards points redemption and the rewards engagement score is higher than a second rewards engagement score generated prior to transmitting the second push notification to the user device.
13 . The method of claim 1 , wherein the third rewards engagement message includes an indication of incentive rewards points added to the rewards account in response to a second interaction with the second graphical user interface.
14 . The method of claim 1 , wherein at least one of the first rewards engagement message, the second rewards engagement message, or the third rewards engagement message is transmitted as a banner on a website portal of the provider computing system.
15 . The method of claim 1 , wherein at least one of the first rewards engagement message, the second rewards engagement message, or the third rewards engagement message is transmitted as an email.
16 . The method of claim 1 , wherein at least one of the first rewards engagement message, the second rewards engagement message, or the third rewards engagement message is transmitted as a text message.
17 . A provider computing system comprising: a network interface structured to facilitate data communication via a network; a rewards database structured to store information associated with a rewards account of a user; and a processing circuit comprising a processor and memory, the processing circuit configured to: establish an application programming interface to enable communication between the provider computing system and a client application installed on a user device; transmit a first push notification to the user device of the user, the first push notification comprising a first rewards engagement message for display in a first graphical user interface of the client application running on the user device, the first rewards engagement message being based at least on rewards activity information associated with the rewards account of the user; receive, from the client application via the application programming interface, a first indication of a dismissal of the first rewards engagement message displayed on the first graphical user interface of the client application; transmit a second push notification to the client application, the second push notification comprising a second rewards engagement message for display in a second graphical user interface of the client application, the second rewards engagement message being based at least on the dismissal; receive, from the client application, a second indication of a click of a link in the second rewards engagement message; generate a rewards engagement score for the rewards account based on the click of the link; transmit a third push notification to the client application via the application programming interface, the third push notification comprising a third rewards engagement message for display in a third graphical user interface, the third rewards engagement message being based on the rewards engagement score; and assign redemption points to the rewards account based on the rewards engagement score.
18 . The provider computing system of claim 17 , wherein the processing circuit is further configured to receive, from the client application or from a merchant device, payment card information transmitted by the client application to the merchant device, the payment card information associated with a payment account associated with a user of the user device, wherein the rewards engagement score is generated further based on the payment card information.
19 . The provider computing system of claim 17 , wherein the processing circuit is further configured to: determine, based on information received from a merchant device, that the redemption points were not redeemed within a predetermined amount of time; and transmit redemption information for display in a fourth graphical user interface of the client application to indicate that the redemption points assigned to the rewards account were not redeemed.
20 . A user device comprising: a network circuit structured to communicate via an application programming interface of a provider computing system comprising of one or more processors capable of accessing a rewards account of a user associated with a user device of the user; an input/output device structured to exchange data with the user device; a client application installed on the user device; and a processing circuit comprising one or more processors and a non-transitory computer-readable memory, the processing circuit configured to: receive, via the network circuit, a first push notification for display in a first graphical user interface of the client application running on the user device, the first push notification comprising a first rewards engagement message from the provider computing system based on rewards activity information associated with the rewards account of the user; receive a first input from the user device, via the input/output device, the first input indicating a dismissal of the first rewards engagement message; transmit, via the network circuit, a first indication of the dismissal to the provider computing system; receive, via the network circuit, a second push notification for display in a second graphical user interface of the client application running on the user device, the second push notification comprising a second rewards engagement message to indicate a change in the rewards account, the second graphical user interface enabling the user device to receive, via the input/output device, selections or dismissals of the second rewards engagement message; receive a second input from the user device via the input/output device, the second input indicating a selection of the second rewards engagement message; transmit, via the network circuit, a second indication of the selection to the provider computing system; receive, via the network circuit, a third push notification comprising a third rewards engagement message for display in a third graphical user interface of the client application running on the user device, the third rewards engagement message indicating redemption points assigned to the rewards account, the redemption points assigned to the rewards account based at least on the selection; and receive, via the network circuit, redemption information for display in a fourth graphical user interface of the client application running on the user device, the redemption information indicating that the redemption points assigned to the rewards account are available for redemption.

Description

CROSS REFERENCE TO RELATED APPLICATIONS This application is a continuation of U.S. patent application Ser. No. 18/227,792 filed Jul. 28, 2023, which is a continuation of U.S. patent application Ser. No. 17/665,898 filed Feb. 7, 2022, which is a continuation of U.S. patent application Ser. No. 16/228,442 filed Dec. 20, 2018, each of which is incorporated herein by reference in its entirety. TECHNICAL FIELD Embodiments of the present disclosure relate to systems and methods for rewards engagement. BACKGROUND Many issuers of credit cards offer rewards points to customers. For example, some credit card issuers provide one reward point for every dollar spent on the credit card. Accordingly, as a customer continues to use a rewards credit card, the customer accumulates rewards points. The customer can then redeem the rewards points. Some customers may forget that the rewards points are available to them. Some customers may also not effectively use their payment cards to earn points up to their potential. SUMMARY A first example embodiment relates to a method of encouraging rewards activity. The method includes receiving, by a provider computing system associated with a provider, rewards activity information associated with a rewards account maintained by the provider and associated with the customer, receiving payment card information associated with the payment account, generating a rewards engagement score based on the rewards activity information and the payment card information, generating a rewards engagement message, and transmitting the rewards engagement message to a customer device associated with the customer. Another example embodiment relates to a provider computing system associated with a provider. The provider computing system includes a network interface structured to facilitate data communication via a network, an accounts database structured to store information associated with a payment account associated with a customer, a rewards database structured to store information associated with a rewards account associated with the customer, and a processing circuit comprising a processor and memory. The processing circuit is structured to receive rewards activity information associated with the rewards account maintained by the provider and associated with the customer, receive payment card information associated with the payment account, generate a rewards engagement score based on the rewards activity information and the payment card information, generate a rewards engagement message based on the rewards engagement score, and transmit the rewards engagement message to a customer device associated with the customer. Another example embodiment includes a customer device. The customer device includes a network circuit structured to communicate data to and from a provider computing system associated with a provider of a rewards account associated with the customer, an input/output device structured to exchange data with the customer, and a processing circuit comprising a processor and memory. The processing circuit is structured to receive, by the network circuit, a first graphical interface from the provider computing system, where the first graphical interface identifies one or more rewards account held by the customer at the provider and one or more rewards engagement messages generated by the provider computing system in response to customer engagement with the one or more rewards accounts, and where the first graphical interface further enables the customer to select the one or more rewards engagement messages. The processing circuit is further structured to receive a first input from the customer via the input/output device, the first input indicating a user selection of one of the one or more rewards engagement messages, and transmit, via the network circuit, the customer selection, to the provider computing system. These and other features, together with the organization and manner of operation thereof, will become apparent from the following detailed description when taken in conjunction with the accompanying drawings. BRIEF DESCRIPTION OF THE FIGURES FIG. 1 is a view of a rewards engagement system according to an example embodiment. FIG. 2 is a view of a flow diagram of a method of engaging the customer through the rewards system according to an example embodiment. FIG. 3 is a view of a flow diagram of a method of engaging the customer through the rewards system according to an example embodiment. FIGS. 4 through 8 show various user interfaces of a customer device implementing the rewards engagement system as described in the method of FIGS. 2-3. DETAILED DESCRIPTION Referring to the figures generally, systems, methods, and apparatuses for encouraging rewards system engagement are described herein. A customer of a provider having a rewards account may not be utilizing the rewards account to the full potential as determined by the provider of the rewards account. For example, the customer may