Wells Fargo Bank, N.a.

Laura Chang

Sarah W Phelps

Richard Eiel

Cem Isin

Megan A DesPlanques

Adeline Rassas

Matthew S Rogers

Priya Ramakrishnan

Nick Gambale

Jay Das

Heath Hinkhouse

David Jacobs

Marc J Skurla

Brian Winn

Kim Lohrer

Kim Löhrer

Systems, methods, and apparatuses for encouraging engagement with a rewards system are described herein. A customer associated with a customer device holds a rewards account with a provider associated with a provider computing system. The provider computing system receives rewards and payment card activity of the customer, analyzes the rewards and payment card activity, and generates a rewards engagement rating, which the provider uses to generate and transmit tailored rewards engagement messages to the customer device. The messages provide rewards earn and burn opportunities in which the customer can select to participate.

Systems and methods for rewards engagement score

A virtual punch card rewards system is described. The system includes a user database that stores user information concerning a plurality of users, a network interface configured to communicate data over a network, and a processing circuit comprising a processor and memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive transaction information concerning a payment account belonging to a user, determine a reward category for the user based on the retrieved transaction information, generate virtual punch card parameters for the user based on the determined reward category, and transmit, by the network interface over the network, virtual punch card content to a computing device associated with the user, the virtual punch card content including a first graphical interface configured to present the user with at least one of the generated virtual punch card parameters.

Virtual punch card

Growing community of inventors

Wilmington, DE, United States of America

Laura Chang