Patent ID: 8725564

Claim:
A method of operating a trading server computer comprising: a) a trading server computer receiving from a user computer an enrollment of at least two user reward accounts comprising (i) a first reward account stored on a first reward server computer that holds a first set of reward points of a first type from a first reward issuing entity as a result of a first transaction executed between the user and the first reward issuing entity and (ii) a second reward account stored on a second reward server computer that holds a second set of reward points of a second type from a second reward issuing entity as a result of a second transaction executed between the user and the second reward issuing entity which is different from the first reward issuing entity; b) the trading server computer receiving from the user computer instructions comprising a user profile indicating a prioritization of the at least two user reward accounts to be accessed by the trading server computer for exchanging rewards into a user reward exchange account; and c) the trading server computer exchanging rewards from each of the at least two user reward accounts in accordance with the prioritization indicated in the user profile into the user reward exchange account and combining the exchanged rewards with each other in the user reward exchange account by requesting the first reward server computer to decrease reward points of the first type from the first reward account, adding a corresponding amount of reward points of the first type to the reward exchange account, requesting the second reward server computer to decrease reward points of the second type from the second reward account, converting the reward points of the second type decreased from the second reward account into a corresponding amount of reward points of the first type at a predetermined conversion rate, adding the corresponding amount of converted reward points of the first type to the reward exchange account, and combining, in the reward exchange account, the corresponding amount of reward points of the first type added to the reward exchange account from the first reward account with the converted reward points of the first type added to the reward exchange account from the second reward account.