System and Method for the Real-Time Transfer of Loyalty Points Between Accounts
First Claim
1. A computer-implemented method for creating loyalty points, comprising:
- transforming, at a host computer, a consumer identifier, a purchase price and a first currency to point ratio corresponding to a retailer item identifier, into a first set of loyalty points;
transforming, at said host computer, said consumer identifier, said purchase price and a second currency to point ratio corresponding to a manufacturer item identifier, into a second set of loyalty points;
transforming, at said host computer, said consumer identifier, said purchase price and a third currency to point ratio corresponding to a Service Establishment (SE) number, into a third set of loyalty points;
combining, at said host computer, said first set of loyalty points, said second set of loyalty points, and said third set of loyalty points within a first loyalty account associated with said consumer identifier; and
,enabling use of said first loyalty account to facilitate obtaining an item.
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Accused Products
Abstract
The invention includes facilitating the substantially real-time transfer of loyalty points between accounts. The method and system include receiving a transfer request (e.g., consumer request, triggering event, etc) for a transfer of a certain number of loyalty points, accessing and analyzing the total number of loyalty points in the transferor account to determine if a sufficient number of points exist, analyzing the type/level of consumer and type/level of points to be involved in the transfer, deducting the requested loyalty points from the transferor account, determining if any rules exist for restricting or limiting the transfer of points, using a conversion engine to convert the point value to an appropriate point value in the transferee account and increasing the point balance in the transferee account.
108 Citations
20 Claims
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1. A computer-implemented method for creating loyalty points, comprising:
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transforming, at a host computer, a consumer identifier, a purchase price and a first currency to point ratio corresponding to a retailer item identifier, into a first set of loyalty points; transforming, at said host computer, said consumer identifier, said purchase price and a second currency to point ratio corresponding to a manufacturer item identifier, into a second set of loyalty points; transforming, at said host computer, said consumer identifier, said purchase price and a third currency to point ratio corresponding to a Service Establishment (SE) number, into a third set of loyalty points; combining, at said host computer, said first set of loyalty points, said second set of loyalty points, and said third set of loyalty points within a first loyalty account associated with said consumer identifier; and
,enabling use of said first loyalty account to facilitate obtaining an item. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A machine-readable medium having stored thereon a plurality of instructions, said plurality of instructions comprising:
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instructions to transform, at a host computer, a consumer identifier, a purchase price and a first currency to point ratio corresponding to a retailer item identifier, into a first set of loyalty points; instructions to transform, at said host computer, said consumer identifier, said purchase price and a second currency to point ratio corresponding to a manufacturer item identifier, into a second set of loyalty points; instructions to transform, at said host computer, said consumer identifier, said purchase price and a third currency to point ratio corresponding to a Service Establishment (SE) number, into a third set of loyalty points; instructions to combine, at said host computer, said first set of loyalty points, said second set of loyalty points, and said third set of loyalty points within a first loyalty account associated with said consumer identifier; and
,instructions to enable use of said first loyalty account to facilitate obtaining an item.
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20. A system for creating loyalty points, said system configured to:
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transform, at a host computer, a consumer identifier, a purchase price and a first currency to point ratio corresponding to a retailer item identifier, into a first set of loyalty points; transform, at said host computer, said consumer identifier, said purchase price and a second currency to point ratio corresponding to a manufacturer item identifier, into a second set of loyalty points; transform, at said host computer, said consumer identifier, said purchase price and a third currency to point ratio corresponding to a Service Establishment (SE) number, into a third set of loyalty points; combine, at said host computer, said first set of loyalty points, said second set of loyalty points, and said third set of loyalty points within a first loyalty account associated with said consumer identifier; and
,enable use of said first loyalty account to facilitate obtaining an item.
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Specification