Patent ID: 8763901
Filing Date: 2014-07-01
Classification: G06Q,G07F

Abstract:
1. A method comprising: a computer serving a set of one or more Web pages for a loyalty program of an entity, wherein the loyalty points are referred to as non-negotiable credits, wherein the Web pages are able to be rendered by one or more client-side browsers, which run on the one or more client-machines, wherein upon being rendered within one of the client-side browsers a corresponding user interface for the client-side browser presents a quantity of member earned loyalty points for the loyalty program, wherein the entity redeems the loyalty points via the Web pages in exchange for a restricted set of goods or services provided by the entity to the members as part of the loyalty program, wherein upon being rendered within one of the client-side browsers the user interface presents a conversion option permitting one of the members to: wherein the different loyalty points are referred to as entity independent funds and are recorded in a funds account, wherein the different loyalty points are redeemable for commerce partner services that the commerce partner provides to members of the different loyalty program, wherein the commerce partner services are not included in the restricted set of goods or services, wherein the commerce partner services for which the different loyalty points are redeemable comprise: wherein the different loyalty program of the commerce partner is a hotel, airline, rental car, train, cruise ship, financial service, gaming platform, gaming service, or game-specific loyalty program, wherein the funds account is neither owned nor controlled by the entity or by any subsidiary or parent of the entity, wherein the credits account is neither owned nor controlled by the commerce partner or by any subsidiary or parent of the commerce partner, wherein the entity does not: wherein an agreement exists between the entity and the commerce partner, wherein the agreement permits members to: wherein the agreement specifies that the entity or the commerce partner are to provide compensation to the other in an agreed upon amount for conversions between the loyalty points and the different loyalty points; the computer responsive to receiving an indication of a member interaction, determining an additional quantity of different loyalty points to be earned responsive the member interaction; the computer processing the additional quantity to trigger an addition of the additional quantity to the funds account per the loyalty program due to a cross marketing agreement between the entity and the commerce partner, wherein the entity compensates the commerce partner for the additional quantity of the different loyalty points added to the funds account per member involvement in the loyalty program; and responsive to the processing, the computer serving one or more Web pages or Web page updates that include the effectuated changes to at least one of the one or more client machines, wherein upon being rendered within one of the client-side browsers the user interface is updated with the effectuated changes, wherein the updated user interface presents the additional quantity of different loyalty points earned by the member interaction or presents an updated total of different loyalty points in the funds account resulting from the additional quantity being added, wherein the computer serves the set of one or more Web pages, receives the indication, processes the additional quantity, and serves the one or more Web pages or Web page updates within a single user-interactive Web session.