Patent ID: 8447650
Filing Date: 2013-05-21
Classification: G06Q,G07F

Abstract:
1. A method of operating a trading server computer comprising: a) a trading server computer transmitting a first web page to a user computer for a user operating the user computer to enroll a plurality of user reward accounts with the trading server computer, each of said user reward accounts stored on an associated reward server computer and associated with the user for storing rewards awarded to the user for transactions between the user and an associated reward issuing entity, each of said user reward accounts indicated by the user to be accessed by the trading server for exchanging rewards into a user reward exchange account stored in association with trading server computer; b) the trading server computer receiving instructions from the user computer comprising a user profile indicating a prioritization of the plurality of user reward accounts to be accessed by the trading server computer for exchanging rewards into the user reward exchange account; c) the trading server computer transmitting to the user computer a second web page comprising a display of a plurality of items that may be purchased by redemption of rewards from the user reward exchange account; d) the trading server computer exchanging rewards from the user operating the user computer that indentify an item selected for purchase from the second web page; e) the trading server computer exchanging rewards from each of the plurality of user reward accounts in accordance with the user profile into the user reward exchange account and combining the exchanged rewards with each other in the user reward exchange account; and f) the trading server computer redeeming the combined rewards from the user reward exchange account for the item selected for purchase by decreasing the combined rewards in the user reward exchange account.