Patent ID: 8156047

Claim:
A computer-implemented method for allocating rewards among reward accounts, the method comprising: providing, by a computer processor, one or more interfaces that perform the operations of, presenting an option for a user to link a plurality of user accounts associated with separate and independent financial instrument accounts to a reward account; receiving an indication to link one or more of the plurality of user accounts to the reward account; presenting an option for a user to link the reward account to one or more sub-reward accounts; and presenting an option for a user to adjust an allocation of rewards among the one or more sub-reward accounts, and providing a reward calculation unit that performs, by a computer processor, the operations of, monitoring the plurality of user accounts for indications of rewardable transactions; calculating a reward based on an aggregate of a plurality of indications of rewardable transactions associated with two or more of the plurality of user accounts; and allocating the reward to the reward account according to the adjusted allocations.