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    • 4. 发明公开
    • Method and System for Managing Purchasing Rewards
    • US20240354801A1
    • 2024-10-24
    • US18642406
    • 2024-04-22
    • Wallet Warrior, Inc
    • Frank Halstead Brown, IV
    • G06Q30/0226
    • G06Q30/0233
    • This is a system for optimizing purchasing rewards, comprising a rewards management system data lake comprising a user database and a merchant database, wherein the user database is configured to store a plurality of purchasing options, and the merchant database is configured to store merchant data, wherein the merchant data comprises a merchant classification and transaction classification. The system comprises an optimization engine configured to analyze, periodically, the plurality of purchasing options against the merchant data to produce a reward value for each purchase option against the merchant type and the transaction type, and generating, periodically, a lookup table to rank the plurality of purchasing options based on the reward value. The system further comprises a transaction application programming interface configured to receive a transaction input, wherein the transaction input comprises a merchant code and a transaction code, evaluate the transaction input by matching the merchant code against the merchant classification and matching the transaction code with the transaction classification, identify an optimized purchasing option from the plurality of purchasing options in the lookup table, wherein the optimized purchasing option comprises the highest reward value, and generate a transaction output for the optimized purchasing option.