Spend diagnostics and lead management

Details Spend diagnostics and lead management Spend diagnostics and lead management

2011-03-29

2011-03-29

Le, Thien M (Department: 2887)

Registers

Systems controlled by data bearing records

Credit or identification card systems

C235S379000

Reexamination Certificate

active

07913901

ABSTRACT:
A method and system are used to optimize utilization of a transaction card by a card member. The system and method including generating a first data set based on data stored in a database representing industries of the card members. Generating a second data set representing an average amount charged to a transaction account by the card members in each respective one of the industries based on the first data set. Comparing the average amount charged from the first generating step to an actual amount charged by each individual one of the card members in a respective one of the industries. Communicating a result of the comparison to the card members. Receiving data from the card members based on their receiving of the comparison result. Storing the data in the database or a lead management device, such that the data is updated.

REFERENCES:
patent: 2003/0061132 (2003-03-01), Yu et al.
patent: 2005/0279824 (2005-12-01), Anderson et al.
patent: 2006/0218087 (2006-09-01), Zimmerman
patent: 2007/0168267 (2007-07-01), Zimmerman et al.

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