Patent ID: 9251528
Filing Date: 2016-02-02
CPC Classification: G06Q,G07F

Claim Text:
1. A method comprising: a computer, comprising hardware and software, converting a first quantity of loyalty program points of a loyalty program possessed by a member held in a first account to a second quantity of different loyalty program points possessed by the member held in a second account in accordance with a fixed ratio, wherein the loyalty program points and the different loyalty program points are non-fungible, non-negotiable units of exchange, wherein the loyalty program is a loyalty program of an entity, wherein value of the loyalty program points is secured by the entity that exclusively originates the loyalty program points, wherein the value of the loyalty program points is subject to unilateral change by the entity, wherein terms of the loyalty program are established by the entity, wherein terms of the loyalty program imposes a membership requirement in order to accumulate, maintain, or redeem the loyalty points, wherein the member is a member of the loyalty program per the terms of the loyalty program and wherein the first account is an account of the loyalty program, wherein information of the first account is stored in a non-transitory storage medium controlled by the entity per terms of the loyalty program, wherein terms of the loyalty program impose membership conditions, impose redemption restrictions on loyalty points held in the first account, and impose transfer restrictions on the loyalty program points held in the first account, wherein the loyalty program utilizes the value of loyalty program points held in the first account, the membership conditions, the redemption restrictions, and the transfer restrictions to shape future commerce actions of the member in a manner beneficial to the entity such that the entity increases net revenue from the member for the future commerce actions when statistically compared to anticipated future net revenue from a similarly positioned non-member; wherein the different loyalty program is a loyalty program of a commerce partner having a commerce-based relationship with the entity, wherein value of the different loyalty program points is secured by the commerce partner that exclusively originates the different loyalty program points, wherein the value of the different loyalty program points is subject to unilateral change by the commerce partner, wherein terms of the different loyalty program are established by the commerce partner, wherein terms of the different loyalty program imposes a membership requirement in order to accumulate, maintain, or redeem the different loyalty points, wherein the member is a member of the different loyalty program per the terms of the different loyalty program and wherein the second account is an account of the different loyalty program, wherein information of the second account is stored in a non-transitory storage medium controlled by the commerce partner per terms of the different loyalty program, wherein terms of the different loyalty program impose membership conditions, impose redemption restrictions on different loyalty points held in the second account, and impose transfer restrictions on the loyalty program points held in the second account, wherein the different loyalty program utilizes the value of different loyalty program points held in the second account, the membership conditions of the different loyalty program, the redemption restrictions of the different loyalty program, and the transfer restrictions of the different loyalty program to shape future commerce actions of the member in a manner beneficial to the commerce partner such that the commerce partner increases net revenue from the member for the future commerce actions when statistically compared to anticipated future net revenue from a similarly positioned non-member; wherein the entity and the commerce partner are different legal entities and are not parent or subsidiary entities of each other, wherein the converting is explicitly permitted by terms of a mutual agreement established between the entity and the commerce partner, wherein the mutual agreement is differentiated from other open market entities based at least in part on the commerce-based relationship between the entity and the commerce partner, wherein the mutual agreement establishes the fixed ratio for converting loyalty points to different loyalty program points and establishes a compensation amount to be paid by the entity to the commerce partner on a per-point basis for conversions of member points between programs; and responsive to the converting: