Patent ID: 8140387

Claim:
A method of communicating a renewal incentive for an active expiring financial account to a user of the financial account, the method comprising: identifying, with a host computer, a renewal date for the active expiring financial account; calculating, using the host computer, whether the financial account qualifies for the renewal incentive based on account history of the active expiring financial account; and sending renewal data to the user about the renewal date, and the renewal incentive, for the financial account, wherein the renewal incentive is effective upon user renewal of the financial account, and the renewal incentive comprises a new discount or rebate of a portion of a transaction amount, the new discount or rebate being larger than a current discount or rebate; and wherein calculating whether the financial account qualifies for the renewal incentive based on account history comprises calculating whether the financial account qualifies for the renewal incentive based at least in part on the size and frequency of purchase transactions conducted with the account.