| 摘要 |
<p>A loyalty system for exchanging reward points from a plurality of rewards programs comprising a plurality of consumer modules (302) configured to accept login credentials from each consumer from those of the plurality of rewards programs for which that consumer is enrolled; a merchant server (307) for each of or for groups of the plurality of rewards programs, each configured to provide a plurality of goods or services redeemable for an advertised amount of rewards points under that merchant's rewards program and/or storing accumulated reward points for consumers enrolled with that merchant's rewards program; a server module (310) configured to connect the plurality of consumer modules (302) to the plurality of merchant servers (307), and storing programmed instructions configured to: receive input from the consumer to exchange accumulated reward points from a first merchant reward program into universal points from a universal points program, determine a conversion rate based on the first merchant rewards program and a real time currency exchange rate, display the determined conversion as an offer to the consumer, if the consumer accepts the offer, sending a debit request to the first rewards program at the respective merchant server (307) and crediting the offered universal points to a universal points account for the respective consumer.</p> |
