US 20120232984A1

(19) United States (12) Patent Application Publication (10) Pub. No.: US 2012/0232984 A1 Mooney (54)

(43) Pub. Date:

BRANDED REDEMPTION PORTAL

(52)

(75) Inventor:

Colin Michael Mooney, Malvem, PA (US)

(73) Assignee:

Bank of America Corporation,

US. Cl. ................................................... .. 705/14.39

(57) Ch 1 tt NC

ar 0 e’

(21) APPL NO; (22)

Filed;

to methods and apparatuses for creating, storing, and/ or pre

13/163,371

senting branded redemption portals. For example, in some embodiments, a method is provided that includes: (a) receiv ing, from a holder of a reWards account, a request for redemp tion information, Where the reWards account is maintained by a ?nancial institution; (b) determining that the reWards

Related US, Application Data (60)

_

ABSTRACT

In general terms, embodiments of the present invention relate

S (U )

Jun_ 17, 2011

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Sep. 13, 2012

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account is associated With an organization, Where the organi

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Zation is not the ?nancial institution, and Where the organi Zation is associated With a brand; and (c) presenting a redemp

tion portal to the holder, Where the redemption portal presents Pubhcatlon Classl?catlon (51)

one or more products, and Where the redemption portal has a theme that conveys the brand (and/ or each of the one or more

Int. Cl.

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(200601)

presented products conveys the brand).

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Patent Application Publication

11-0

Sep. 13, 2012 Sheet 1 0f 6

US 2012/0232984 A1

RECEIVE, FROM A HOLDER OF A REWARDS ACCOUNT, A REQUEST FOR REDEMPTION INFORMATION, WHERE THE REWARDS ACCOUNT IS MAINTAINED BY A FINANCIAL INSTITUTION

I 120

DETERMINE THAT THE REWARDS ACCOUNT IS ASSOCIATED WITH AN

7‘ ORGANIZATION, WHERE THE ORGANIZATION IS NOT THE FINANCIAL 1/ INSTITUTION, AND WHERE THE ORGANIZATION IS ASSOCIATED WITH A BRAND

I PREsENTA REDEMPTION PORTAL TO THE HOLDER, WHERE THE 13° REDEMPTION PORTAL PRESENTS ONE OR MORE PRODUCTS, AND / WHERE THE REDEMPTION PORTAL HAS A THEME THAT CONVEYS THE "

BRAND (AND/OR EAcH OF THE ONE OR MORE PRESENTED PRODUCTS

CONVEYS THE BRAND)

FIG. 1

Patent Application Publication

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Sep. 13, 2012 Sheet 2 0f 6

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BANK CUSTOMER

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OPENS REWARDS

PRESENT USER INTERFACE

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CUSTOMER ACCRUES :ONE OR MORE REWARDS """"""""f BY usING THE REWARDS

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235 LCUSTOMER SUBMTTS A REQUEST FOR

STORE INFORMATION ASSOCIATED WITH THE ORGANIZATION IN AN

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1/, DETERMINE THAT THE CUSTOMER'S

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CUSTOMER, WHERE THE PORTAL HAS A THEME THAT CONVEYS THE ORGANIZATION'S BRAND

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TM PRESENT THE

RETRIEvE ONE OR MORE PRODUCTS TO PRESENT TO

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PRODUCTS TO THE CUSTOMER vIA

THE PORTAL

THE CUSTOMER, WHERE THE

PRODUCTS ARE RETRIEvED < FROM A LIBRARY OF

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ORGANIZATION's PRODUCTS CONVEY BRAND THE

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THE REWARDS ACCOUNT

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CUSTOMER LOGS |N 2 TO ELECTROMC f BANKING ACCOUNT

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TO CUSTOMER THAT " PROMPTS THE CUSTOMER '

US 2012/0232984 A1

265

REcEIvE INFORMATION

PROVIDE THE

j INDIcATING THAT THE cusTOMER HAS SELECTED A PRODUCT FROM

THE ONE OR MORE PRESENTED PRODUCTS

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PRODUCT TO THE

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PRESENT THE

REDEMPTION PORTALTO THE

CUSTOMER

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Patent Application Publication

Sep. 13, 2012 Sheet 3 of6

US 2012/0232984 A1

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Sep. 13, 2012 Sheet 6 0f 6

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