Abstract
The following quote was obtained by the news editors from the background information supplied by theinventors: “A rewards program can include techniques aimed at helping institutions retain their customerbase. In an example, a strategy for implementing the rewards program can include offering users contextualrecommendations or rewards at participating institutions. Presenting savings recommendations or offerson a timely basis is valuable to both the business and the users-it can motivate users by saving them timeand money while also helping promote products for a business.”