Patent ID: 8224748

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 offer having an account variable equal to a first account value; receiving an acceptance of the first 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 at least one processor, account activity of the first financial account for a plurality of contiguous time periods, wherein the monitoring further comprises: determining an account activity value associated with the first financial account and corresponding to a currently monitored time period of the plurality of contiguous time periods; predicting the account activity value will be less than a threshold value at the end of the currently monitored time period based on the monitored account activity, notifying the customer that account activity must increase or the account variable will be reset, resetting, by the at least one processor, the account variable equal to a second account value if the account activity value does not increase during the remainder of the currently monitored time period, and resetting, by the at least one processor, the account variable equal to a third account value different from the second account value when a) the account activity value corresponding to the currently monitored time period of the plurality of contiguous time periods is greater than or equal to the threshold value, and b) the account activity value corresponding to a contiguous time period previously monitored in time was less than the threshold value.