Capital One Financial Corporation

Alice K Wheeler

Charles Aaron Rosenblatt

Gregory Willard Lambert

According to certain embodiments of the present invention, systems and methods are provided for providing a consumer with a rebate on purchases, which are made, for example, at a merchant. The rebate may be in a variety of forms. According to one aspect the rebate may be a reduction in the purchase price associated with a transaction. According to another aspect the rebate may be in the form of cash or an item having value being delivered to the consumer. The rebate may be provided at the Point of Sale. The rebate may be determined by a number of different criteria including purchase price, transaction frequency, predetermined time intervals, consumer loyalty, Point of Sale location, or any combination of these and other criteria.

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Glen Allen, VA, United States of America

Alice K Wheeler