Wells Fargo Bank, N.a.

David Patron

H Brock Kolls

Sarah W Phelps

Mohammed Ejaz Ahmed

Megan Collins

Minhthe Luu

Robin M Carter

Barry Trexler

Matthew S Rogers

Krista L Donels

Jennifer Miller

Systems, methods, and apparatuses for aggregating merchant offers include a network interface structured to facilitate data communication via a network, an accounts database structured to store account information associated with accounts held by the provider, including a payment account associated with a customer, and a processing circuit comprising a processor and memory. The processing circuit is structured to receive a pre-filtered offer from an offer vendor, aggregate the pre-filtered offer with other received pre-filtered offers from multiple offer vendors to create an aggregated offer list, filter the aggregated offer list based on the account information for the customer to create a filtered offer list, generate a prioritized offer list based on the account information for the customer, and transmit the prioritized offer list to a customer device of the customer.

Systems and methods for multiple offer source aggregator

Examples described herein relate to apparatus and methods for managing rewards for a customer of a financial institution, including but not limited to, determining a transaction pattern associated with transactions made by the customer, determining a deviation from the transaction pattern, determining an event associated with the customer based on the deviation, and determining rewards that correspond to the event for the customer.

Management of rewards using transaction listening

Growing community of inventors

Bethesda, MD, United States of America

David Patron