Loyalty Points Donation Platform for Fee-Free Transfers
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Solution Overview
Problem
Current loyalty programs do not facilitate the transfer of loyalty points between users without incurring fees or penalties, and individuals in need of medical treatment face substantial travel-related costs that could be alleviated by utilizing unused loyalty points.
Innovation Solution
A computerized method and system that enables donors to transfer loyalty points to receivers through a loyalty points donation platform (LPDP), where receivers create donation profiles approved by loyalty programs, and donors can contribute points using a user-friendly interface, leveraging APIs to ensure secure and legitimate transfers.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Loss of energy
If loyalty points are transferred between users through current loyalty programs, then fees or penalties are incurred, but the patent enables fee-free transfers through a donation platform
Solution Approach 1:
The patent introduces a donation platform as an intermediary system between donors and receivers. This platform hosts donation profiles, processes donation requests, and coordinates with multiple loyalty programs to enable fee-free point transfers. The intermediary absorbs the complexity of managing transfers across different loyalty programs while eliminating fees for users.
Solution Approach 2:
The system segments the transfer process into distinct components: donation profile creation, donation request submission, loyalty program approval, and point transfer execution. Each component is handled by specific system modules, allowing independent management and reducing overall system complexity while enabling fee-free operation.
2Adaptability or versatility
If a comprehensive donation platform is created to enable point transfers, then transfer capability is improved, but system complexity increases
Solution Approach 1:
The donation platform is designed as a universal system that can host donation profiles for multiple different loyalty programs simultaneously. It provides a single interface for donors to contribute points and for receivers to request points, regardless of which specific loyalty program is involved. This multi-functionality achieves high adaptability without proportionally increasing complexity.
Solution Approach 2:
The platform acts as a mediator that standardizes interactions with various loyalty programs through common interfaces and protocols. By establishing standardized communication channels with multiple loyalty programs, the system achieves broad donation capability while managing complexity through uniform interaction patterns.
3Reliability
If donation profiles are approved by multiple loyalty programs, then transfer legitimacy is ensured, but processing time increases
Solution Approach 1:
Loyalty programs provide preliminary approval of donation profiles before actual donation requests are processed. This pre-approval mechanism establishes legitimacy in advance, so that when donation requests are submitted, the system can quickly verify against pre-established approval status rather than undergoing lengthy verification processes for each individual donation.
Solution Approach 2:
The system implements feedback mechanisms where loyalty programs provide approval status information back to the donation platform. This feedback allows the platform to track and verify approval status efficiently, reducing processing time while maintaining reliability through continuous verification of legitimate donation profiles.
Data Source
AI summary
The disclosure herein describes enabling a donor to donate loyalty points associated with a loyalty program to a receiver based on a donation profile. The donation profile is hosted by a loyalty points donation platform (LPDP) and includes a donation entry including a loyalty point type and a requested quantity. A donation request including a loyalty account identifier, credential data of the loyalty account, and a point donation quantity is received. Approval of the donation request is requested from the donor loyalty program including providing the loyalty account identifier and the credential data to the donor loyalty program. Based on receiving approval from the donor loyalty program, the donor loyalty program is instructed to transfer a quantity of loyalty points indicated by the point donation quantity from the loyalty account associated with the loyalty account identifier to a receiver loyalty account associated with the donation profile of the receiver.