American Express Travel Related Services Company, Inc.

Lee H Gowen

Trey Neemann

Claudia Asgeirsson

Mary O'Connell

Yuval Efrati

Pavan K Pemmaraju

Paven K Pemmaraju

A rewards management system is configured to facilitate the redemption of loyalty benefits at a financial institution and apply credits, payments, debits, and/or the like associated with the loyalty benefit to transactions that are characterized by a set of predetermined rules (e.g. an item purchased during a particular transaction, the merchant from whom the transaction originated, the vendor who manufactured the item). The system provides real-time management of the loyalty account so that the loyalty benefit can be used to offset the liability associated with a particular eligible transaction. The system may also be configured to allow a user to satisfy various obligations to the financial institution (e.g. a minimum payment associated with a statement from a transactions account). As such, the system allows the loyalty account provider or the financial institution to provide a customizable rewards program that allows loyalty benefits to be used for any type of transaction.

Selectable ROCs in an online billing statement

System and method for rewards redemption with a mobile device

System and method for rewards redemption

Growing community of inventors

Lincoln, NE, United States of America

Lee H Gowen