SYSTEMS AND METHODS TO PROCESS LOYALTY BENEFITS

摘要

Patent Application Attorney Docket No. 314US02/119945-231401/US A system and method to provide a universal loyalty currency, facilitate exchange of loyalty benefits, and allow payments using loyalty benefits. A method includes: receiving registration information to associate account information of a payment account with at least one loyalty account to enable conversion of first loyalty benefits to second loyalty benefits; receiving, for a transaction, an authorization request identifying the account information and requesting the use of the second loyalty benefits to fund at least a portion of the transaction; and processing the transaction using the second benefits converted from the first loyalty benefits hosted in the loyalty account and funds from the payment account. -- 100 -- mm C) 0 U)) Co C a) -C, ClD c'Ju a)