Pooling Business Credits to Provide Cross-Redemption Options of Business-Specific Credits

摘要

Systems and methods enable creation of assets redeemable for products and services for businesses. Business credits are assigned to users and applied toward transactions. Business credits from different businesses may be pooled and applied toward a single transaction. Rules for business credits may limit amounts that may be added to a pool. A users assets are ranked to determine those that are preferred to hold. Those assets that are available to fund a transaction and that are less preferable to hold are used first. Also disclosed is a system whereby brand-specific credits may be assigned to a user. A brand-specific credit may be selected and, in-response, branded products for which the credit may be redeemed are displayed. Upon selection of a product, an optical code is transmitted to a user device, which can be scanned to fund purchase of the selected product.

主权项

1. A method comprising:
receiving, by a server system, selection of a selected brand-specific account of a plurality of brand-specific accounts of the user, each brand-specific account redeemable only for products branded according to a brand corresponding to the each brand-specific account; transmitting, by the server system, to a user device of the user, representations of products branded according to the brand of the selected brand-specific account and having prices less than an amount of funds in the selected brand-specific account; receiving, by the server system, a selection of a selected product branded according to the brand of the selected brand-specific account; and transmitting, by the server system, an optical code to the user device, the optical code authorizing payment of a purchase price of the selected product toward purchase of the selected product.