Methods and systems for person-to-person reward currency redemption involve, for example, receiving a request to redeem of reward currency of a reward currency holder as a direct deposit of cash to a deposit account of a recipient using a processor coupled to memory; converting the reward currency to an amount of cash based on a predefined conversion rate likewise using the processor; and also using the processor, transferring the amount of cash to the deposit account of the recipient.

A computer system comprises a memory, a cellular telephony communications device configured for sending and receiving cellular text messages, and a processor coupled with the memory and the cellular telephony communications device. The processor is configured to: receive, via the cellular telephony communications device, a cellular text message sent from a cellular telephone of an accessing entity, wherein the cellular text message includes a cellular telephone number of the cellular telephone, an instruction regarding reward points, and an image file; use the cellular telephone number to identify a reward program account; extract an authentication token embedded in data of the image file; authenticate access to the reward program account based upon the authentication token; and in response to authenticating access to the reward program account, execute the instruction.

An information processing device obtains information on a value for each locality, the value for each locality corresponding to a currency value for each locality, further obtains information on a currency exchange rate, sets a conversion rate for the values between the localities, transmits information on a value applicable for a user, the information on the value applicable for the user being information necessary for a terminal device to present a payment procedure screen for electronic-commerce by a currency of a first locality, and executes, in response to a request for applying a value of a second locality, a process of converting the applied value of the second locality into a currency value of the first locality by the conversion rate at a predetermined time point, and of putting the converted currency value to use in a settlement amount in the electronic-commerce.

In some implementations, a device may obtain a first user profile associated with a first user that indicates: a first user gaming profile; a first use history, associated with program points, of the first user; and/or a first exchange history associated with the first user. The device may determine, using a machine learning model, a propensity score associated with the first user based on the first user profile that is based on a memory usage, associated with a gaming console, indicated by the first user gaming profile. The device may determine, based on the propensity score, a first exchange rate for converting the program points to the virtual points of the first game. The device may receive an indication of an exchange initiated by the first user. The device may communicate, with a device, to cause the one or more virtual points to be made available to a second account.

A program controlled data-processing system and computer-based method for facilitating retail transactions based on a seamless translation of reward points into a suitable currency for purchase. In one embodiment, the present invention allows a user to utilize points without the traditional redemption restrictions or encumbrances associated with reward programs.

A program controlled data-processing system and computer-based method for facilitating retail transactions based on a seamless translation of reward points into a suitable currency for purchase. In one embodiment, the present invention allows a user to utilize points without the traditional redemption restrictions or encumbrances associated with reward programs.

A computer system comprises a memory, a cellular telephony communications device configured for sending and receiving cellular text messages, and a processor coupled with the memory and the cellular telephony communications device. The processor is configured to: receive, via the cellular telephony communications device, a cellular text message sent from a cellular telephone of an accessing entity, wherein the cellular text message includes a cellular telephone number of the cellular telephone, an instruction regarding reward points, and an image file; use the cellular telephone number to identify a reward program account; extract an authentication token embedded in data of the image file; authenticate access to the reward program account based upon the authentication token; and in response to authenticating access to the reward program account, execute the instruction.

In some aspects, the techniques described herein relate to a method including: providing, in a collaboration space, a point conversion interface; passing, via the point conversion interface, user credentials to a third-party point issuer; receiving, via the point conversion interface and from the third-party point issuer, a number of points, wherein the number of points is associated with the user credentials; multiplying the number of points by a conversion factor, wherein the multiplying produces a number of unified points; crediting a points pool associated with a collaboration space, with the number of unified points; and receiving, at the collaboration space and from a user of the collaboration space, an instruction to apply the number of unified points to a travel objective, wherein the travel objective is included on a digital itinerary provided by the collaboration space.

In some aspects, the techniques described herein relate to a method including: providing, in a collaboration space, a point conversion interface; passing, via the point conversion interface, user credentials to a third-party point issuer; receiving, via the point conversion interface and from the third-party point issuer, a number of points, wherein the number of points is associated with the user credentials; multiplying the number of points by a conversion factor, wherein the multiplying produces a number of unified points; crediting a points pool associated with a collaboration space, with the number of unified points; and receiving, at the collaboration space and from a user of the collaboration space, an instruction to apply the number of unified points to a travel objective, wherein the travel objective is included on a digital itinerary provided by the collaboration space.

A system and method for operating a reward points accumulation and redemption program wherein a user earns reward points from a plurality of reward points issuing entities, each of the reward points issuing entities tracking the user's earned reward points in a user reward point account stored on a rewards server. A trading server accumulates the user's earned reward points from each of the reward servers interconnected over a network in association with consideration provided by the reward servers to the trading server and credits the accumulated points into a reward exchange account associated with the user. The user may then select an item for purchase from a merchant computer interconnected to the network. The merchant computer provides the item to the user in exchange for consideration received from said trading server, and the trading server reduces the number of points in the user's reward exchange account in accordance with the consideration provided to the merchant computer.