Patent ID: 6985873

Claim:
A computer-implemented system for administering a reward program, comprising: a card provider system, including: a card instrument account for a cardholder that identifies purchases made by the cardholder using a card instrument; a first module executed by a processor for processing purchases made by the cardholder based on use of the card instrument; a second module executed by a processor for determining a reward information based on the purchases made using the card; a brokerage system, including: a transaction account for the cardholder that identifies transactions made by the cardholder, or on behalf of the cardholder, using the brokerage system; a third module executed by a processor for receiving instructions from the cardholder that directs the brokerage system to perform a transaction for securities; a fourth module executed by a processor for processing the transaction; and a fifth module executed by a processor for applying a reward to fund at least part of the transaction, wherein the reward is based on the reward information, wherein the brokerage system charges a fee to perform the transaction, and wherein the fifth module uses the reward to fund at least part of the transaction fee wherein part of the reward is funded by the card provider system, and part of the reward is funded by the brokerage system.