VALUSHIFT CROSS-LOYALTY POINTS DYNAMIC EXCHANGE AND ESCROW SYSTEM

Abstract

The invention relates to a system and method that enables the conversion of loyalty points assigned to users within different corporate structures (banks, airlines, e-commerce, fuel, retail, etc.) into a common unit of value (VS-Point) using dynamic coefficients, time-dependent valuation multipliers, and double-sided escrow blocking methods on an independent Clearing House infrastructure, and their secure spending / return across cross-sectors.

Description

VALUSHIFT CROSS-LOYALTY POINTS DYNAMIC TRADE AND ESCROW SYSTEM Technical Field to Which the Invention Relates: This invention relates to the loyalty programs offered by different institutions. their points into a common digital unit of value without creating financial loss and passive debt risk It relates to a software and system architecture concerning the conversion and exchange of data. Technical Problem: In traditional loyalty systems, points are fragmented and have expiration dates. This is why it is being deleted and creates a balance sheet burden for institutions. Different institutions an impartial and dynamic valuation mechanism that allows points to be exchanged with each other It is not available. Solution to the Problem: The system described in the invention retrieves raw data via the API integration layer. Scores are dynamic, depending on the institution's liquidity coefficient and the remaining time (time-decay) of the score. It calculates using a currency exchange engine. In case of refunds, this is to avoid disrupting the source institution's balance sheet. It activates the flexible lock (escrow / soft-lock) mechanism via the central clearing house wallet. 1

Claims

1) The invention is a method for exchanging and cross-using Loyalty points; its feature is (1) The amount of raw points obtained from the first member institution's database and the remaining usage period (2) Reading of the raw score in question, the liquidity coefficient of the relevant institution and time-dependent (3) Converted by multiplying with the valuation coefficient and converting it into a common unit of value the value is verified on a central clearinghouse server and then transferred to a second member institution. It includes the steps to allow its use. 2) This is a method consistent with Claim 1, and its characteristic feature is that the time-dependent evaluation coefficient is the final value of the score. It has a decreasing function as the number of days remaining until the expiration date decreases, and time is running out. The system calculates scores dynamically in a way that increases the system margin. 3) This is a method compliant with Claim 1, and its characteristic feature is the cancellation of the expenditure made at the second member institution. or in the event of a refund, the refund will be made without any retroactive debt accrual to the first member institution. The goal is to unblock the amount received as a universal balance in the central clearing house wallet. 2