Patent ID: 7624041
Filing Date: 2009-11-24
Classification: G06Q,G07F

Abstract:
1. A method for exchanging reward points previously stored in at least one user reward account stored on an associated reward server computer into a user reward exchange account associated with a trading server computer, comprising: a. a trading server computer (i) communicating via a computer network with a plurality of reward server computers, each of said plurality of reward server computers associated with a different one of a plurality of reward issuing entities, each of said plurality of reward server computers storing a user reward account associated with a user for storing reward points awarded to the user for transactions between the user and the associated reward issuing entity, and (ii) determining a quantity of reward points previously stored in each of the user reward accounts; b. the trading server computer transmitting a web page comprising (i) a display of the reward points determined to be previously stored in each of the user reward accounts, and (ii) controls for designating reward points to be exchanged from a selected one or more of the user reward accounts into a user reward exchange account associated with the trading server computer; c. the trading server computer receiving, via the computer network, instructions from the user operating a user computer that identify at least one user reward account and a selected quantity of reward points to be exchanged from the at least one selected user reward account into the user reward exchange account; and d. the trading server computer exchanging, in real time response to receiving said instructions, the selected quantity of reward points from the at least one selected user reward account identified in the instructions received from the user computer into the user reward exchange account.