Wells Fargo Bank, N.a.

Marc J Skurla

Matthew S Rogers

Priya Ramakrishnan

Laura Chang

Nick Gambale

Heath Hinkhouse

Brian Winn

David Jacobs

Jay Das

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

San Francisco, CA, United States of America

Marc J Skurla