Patent ID: 8793156

Claim:
A method of influencing a future purchase of a user, the method comprising: during a transaction involving a portable consumer device of a user who participates in a first loyalty program and an acceptance point device of a merchant, obtaining, at a computer, portable consumer device information associated with the portable consumer device; processing, at the computer, the portable consumer device information to determine a current status of the user in the first loyalty program; and determining, at the computer, a reward status for the first loyalty program, the reward status being a position in the first loyalty program that would qualify the user to receive a reward having a first value; determining, at the computer, a first future purchase that would cause the user to achieve the reward status in the first loyalty program and qualify the user to receive the reward having the first value; determining, at the computer, a desired status for the user, the desired status being a position in a second loyalty program that the merchant desires the user to achieve and that qualifies the user to receive a reward having a second, higher value; determining, at the computer, a second future purchase that would cause the user to achieve the desired status in the second loyalty program and qualify the user to receive the reward having the second, higher value; and generating, by the computer, a graphical representation that influences the user to make the second future purchase, rather than the first future purchase, by comparatively illustrating that the second future purchase qualifies the user to receive the reward having the second, higher value, whereas the first future purchase would qualify for the reward having the first, lower value.