Patent ID: 7926711

Claim:
A method of operating a promotional program of a financial institution, wherein the method comprises: determining, by a computer processor, whether a user is an existing customer or a potential customer of the financial institution, wherein the existing customer is a present account-holder with the financial institution and the potential customer is not a present account-holder with the financial institution; accessing, using a computer processor, an existing customer transaction history if the user is an existing customer; accessing, using a computer processor, a potential customer transaction history if the user is a potential customer; applying, by the computer processor, a set of business rules to a profile of the user that are based upon the user's status as the potential customer; presenting at least one offer, by the computer processor, based on the set of business rules, to the user based on an identity of a potential customer's present financial institution; and dispensing, by the computer processor, an indicia redeemable for the at least one offer.