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System and Method for the Real-Time Transfer of Loyalty Points Between Accounts

  • US 20090094118A1
  • Filed: 11/13/2008
  • Published: 04/09/2009
  • Est. Priority Date: 03/29/2001
  • Status: Active Grant
First Claim
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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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