Patent ID: 8408455

Claim:
A computer-implemented method for accessing a rewards account comprising: receiving an interaction from a customer, wherein the interaction is received via an interface associated with a financial institution and comprises at least identifying information which identifies the customer; determining, by at least one computer processor, a customer status comprising determining whether the customer 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; determining, by the at least one computer processor, one or more accounts associated with the customer, wherein the computer processor determines the one or more accounts based on the identity of the customer and the customer status and the one or more accounts comprise at least a rewards account with a rewards balance associated therewith; receiving an action selection from the customer wherein the action selection is selected from a presented list of one or more available actions presented based on the customer status; receiving an account selection from the one or more available accounts; and performing, by the at least one computer processor, the action selection upon the account selection; and dispensing a receipt upon completion of the action performance, wherein the receipt comprises an indicia of a reward, the reward being dispensed to the customer based on one or more preferences pre-determined by the customer.