Inventors:
Wayne Richard Brueggemann - Woodstock GA, US
Ramkishan Sadasivam - Suwanee GA, US
Kurt Emmenegger - Marietta GA, US
Ashish Bhagare - Cumming GA, US
Deirdre Baker - Alpharetta GA, US
International Classification:
G06Q 30/00
G06Q 10/00
G06F 17/30
US Classification:
705 1429, 705 1428, 705 1433, 7071041, 707E17044
Abstract:
Linking loyalty programs by use of a new and unique cross-reference number. Reward points from the linked accounts are pooled. Redemption of reward points associated with the linked accounts can be restricted using restriction rules. Restriction rules restrict redemption of points from an individual's account; from the pooled rewards, and/or restrict redemption for a predetermined reward type. Reward points in the linked accounts can also be converted from one reward account to another using a conversion table, which holds a liability ratio for each account. A processing platform, typically comprising a computer-implemented linking engine and an account files database, is logically connected to a network to receive linking instructions from an account holder. The linking engine can assign the cross-reference number; apply restriction rules; and convert reward points using the conversion tables.