Patent ID: 7890423

Claim:
A computer implemented method for providing an incentive directed toward retaining a customer associated with a first financial account, the method comprising: providing a financial account offer of the first financial account to the customer, the financial account offer having an account variable equal to a first account value; receiving an acceptance of the financial account offer from the customer; providing the first financial account to the customer with the account variable set equal to the first account value; and monitoring, by a processor, the first financial account wherein each of a plurality of contiguous time periods has a corresponding number of purchase transactions associated with the first financial account, wherein the monitoring comprises: determining a first number of purchase transactions corresponding to a current time period of the plurality of contiguous time periods; resetting, by the processor, the account variable equal to a second account value when the first number of purchase transactions is less than a threshold value; determining a second number of purchase transactions corresponding to a previous time period contiguous with the current time period after the determining of the first number of purchase transactions corresponding to the current time period; and resetting, by the processor, the account variable equal to a third account value different from the second account value when the first number of purchase transactions is greater than the threshold value and the second number of purchase transactions is less than the threshold value; wherein the account variable comprises at least one of a fee, a finance charge, and an interest rate; and wherein the third account value is greater than the first account value and less than the second account value.