Jpmorgan Chase Bank, N.a.

Robert A Stefan

Alex Lieberman

Ryan Andrew Schlosser

Nitin Bhargava

Systems and methods for identifying financial transaction opportunities for individualized offers are disclosed. In one embodiment a method for offering rewards to a customer of a financial institution may include (1) a server comprising at least one computer processor identifying a customer spending opportunity for a customer to use a financial instrument issued by a financial institution to conduct a transaction involving the customer spending opportunity; (2) the server determining an incentive to offer the customer for using the financial instrument issued by the financial institution to conduct the transaction involving the customer spending opportunity; and (3) the server communicating the incentive to an electronic device associated with the customer.

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Voorheesville, NY, United States of America

Robert A Stefan