Wells Fargo Bank, N.a.

Minhthe Luu

Megan Collins

H Brock Kolls

Sarah W Phelps

Mohammed Ejaz Ahmed

David Patron

Robin M Carter

Barry Trexler

Karen D Tom

Cheryl Lynn Wu

Stephen Paulos

Annette S Marsh

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

A provider institution computing system comprises a network interface circuit and a processing circuit. The processing circuit includes a processor coupled to a non-transitory memory storing instructions that, when executed by the processing circuit, cause the processing circuit to perform operations. The operations include receiving a request from a first messaging application of a sender device to send a gift to a recipient device via a second messaging application of the recipient device. The operations further include verifying that a first account associated with the sender includes a first value of points and converting the first value of points to a first gift value and a second gift value that is different than the first gift value. The operations further include providing a first gift option to the first messaging application, which includes a first gift with the first gift value and a second gift with the second gift value.

Systems and methods for peer-to-peer rewards and gift card transfer via messaging

Systems, methods, and apparatuses for performing a pay with points rewards transaction are described herein. A customer of a financial institution having a rewards account associated with a payment account can provide parameters for future transactions that are to be paid with points instead of charged to the payment account. To designate the future transaction as a rewards transaction, the customer sets rewards transaction parameters (e.g., via a mobile banking application, via an online banking portal, via a telephone system associated with the financial institution, etc.). After setting the rewards transaction parameters, the financial institution identifies a purchase request that matches the rewards transaction parameters and processes the transaction as a rewards transaction.

Systems and methods for facilitating transactions with rewards

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Mount Laurel, NJ, United States of America

Minhthe Luu