System and method for rewards integration in a computer system
A system and method of integrating financial information and rewards data in a computer system of a financial institution such as an online banking computer system. The method generally comprises providing to a customer of a financial institution access to a computer system comprising financial information and rewards data, and presenting the financial information and rewards data to the customer of the financial institution in a presentation layer viewable by the customer.
1 . A method for integrating financial information and rewards data in a computer system of a financial institution, the method comprising:
providing to a customer of a financial institution access to a computer system comprising financial information and rewards data, and
presenting the financial information and rewards data to the customer of the financial institution in a presentation layer viewable by the customer.
2 . The method according to claim 1 , wherein the customer accesses the presentation layer using a web interface.
3 . The method according to claim 2 , wherein the web interface is a personal computer, a personal data assistant, or any device for accessing authenticated space.
4 . The method according to claim 1 , wherein the computer system of the financial institution is an online computer banking system.
5 . The method according to claim 1 , wherein the financial information and rewards data are obtained from sources including, but not limited to, online banking, bill pay, rewards engines, web channels, data aggregation, spending pattern reports, and a combination thereof.
6 . The method according to claim 1 , wherein the rewards data is presented to the customer using a computer software application tool.
7 . The method according to claim 1 , wherein the rewards data is in a form of rewards points.
8 . The method according to claim 1 , wherein the method further comprises integrating rewards data with financial information.
9 . A computer system for integrating financial information and rewards data, the computer system comprising:
a web interface for providing a customer of a financial institution access to a webserver of a financial institution,
the webserver communicatively connected to an application server, wherein the application server comprises an online banking computer software application,
a database server communicatively connected to the application server, wherein the database server comprises a data extraction computer software application,
a database comprising rewards data and financial information communicatively connected to the database server, and
a presentation layer for presenting financial information and rewards data extracted from the database to the customer.
10 . The computer system according to claim 9 , wherein the financial information is online banking data.
11 . The computer system according to claim 9 , wherein the rewards data is in a form of rewards points.
12 . A computer software application tool comprising rewards data of a customer of a financial institution extracted from a computer database for presentation of the rewards data of the customer in a statement to the customer, the customer having computer access to an online banking system of the financial institution.
13 . A computer software application tool comprising a list of financial transactions and rewards data corresponding to the list of financial transactions of a customer of a financial institution for presentation to the customer, the customer having computer access to an online banking system of the financial institution.
14 . A computer software application tool comprising data of rewards earned by a customer of a financial institution by transaction type for presentation to the customer, the customer having computer access to an online banking computer system of the financial institution.
15 . The computer software application tool according to claim 14 , wherein the transaction type is selected from the group consisting of an automated teller machine withdrawal, check, ACH, online bill payment, debit instrument purchase, and credit instrument purchase.