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

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

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 to...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser: ANTONUCCI DONNA, VOLTMER THEODORE S
Format: Patent
Sprache:eng
Schlagworte:
CALCULATING
CHECKING-DEVICES
CHEMICAL OR PHYSICAL PROCESSES, e.g. CATALYSIS OR COLLOIDCHEMISTRY
COIN-FREED OR LIKE APPARATUS
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
PERFORMING OPERATIONS
PHYSICAL OR CHEMICAL PROCESSES OR APPARATUS IN GENERAL
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
THEIR RELEVANT APPARATUS
TRANSPORTING
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Beschreibung
Zusammenfassung: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.