Patent ID: 8925802
Filing Date: 2015-01-06
Classification: G06Q,G07F

Abstract:
1. A computer implemented method for providing a financial product with a variable relationship, the method comprising the steps of: associating, by at least one computer processor, a financial product with a customer, the financial product having a variable relationship specific to the customer and the financial product being associated with a funding account; identifying, by at least one computer processor, one or more rules for defining the variable relationship of the financial product for the customer; monitoring, by at least one computer processor, customer behavior, wherein the customer behavior comprises spending habits, payment habits and transaction history; applying, by at least one computer processor, the variable relationship to the financial product for the customer based at least in part on the one or more rules and the customer behavior; and based on the monitored customer behavior, generating one or more incentives, rewards and offers for the customer and modifying the associated financial product.