Managing user loyalty groups at point-of-sale accesses

A device, comprising:

• a non-transitory memory storing instructions;
• and
• a processor configured to execute the instructions to cause the device to:
• determine, by the processor and based on a first network communication from the processor to a point-of-sale of a merchant, that a user device associated with a user account is being used for a second network communication between the user device and the POS of a merchant;
• determine, by the processor, that the user account is a member of a loyalty group, wherein the determining that the user account is a member of the loyalty group comprises:
• accessing a user identifier of the user device being used for the second network communication with the POS of the merchant;
• and
• accessing a database that stores data associated with a plurality of loyalty groups including the loyalty group, wherein the user account is determined based on the user identifier and the data;
• determine, by the processor, a type of a loyalty membership for the user account based on whether user details associated with the user account are accessible by a merchant account associated with the merchant;
• determine, by the processor, another user account from a plurality of user accounts of the loyalty group that comprises the user account, wherein the determining the other user account comprises:
• determining, by the processor, a set of candidate user accounts from the plurality of user accounts of the loyalty group based on whether each of the set of candidate user accounts has indicated a promotion for sharing loyalty points with the plurality of user accounts, wherein the other user account is determined based on the type of the loyalty membership;
• further determining the type of the loyalty membership based on whether the user details are accessible by the other user account
• determine, by the processor, whether the type of the loyalty membership for the user account can be upgraded based on a quadrant classification of the type of the loyalty membership in an x-y coordinate system;
• and
• in response to determining that the type of the loyalty membership for the user account can be upgraded, provide, by the processor, a communication to the user device to cause a user interface of the user device to display a prompt for providing access to additional user details to upgrade the type of the loyalty membership.

A non-transitory machine-readable medium having instructions stored thereon, the instructions executable, by a processor, to cause performance of operations comprising:

• determining, by the processor and based on a first network communication from the processor to a point-of-sale (POS) of a merchant, that a user device associated with a user account is being used for a second network communication between the user device and the POS of the merchant;
• determining, by the processor, that the user account is a member of a loyalty group, wherein the determining that the user account is a member of the loyalty group comprises:
• accessing a user identifier of the user device being used for the second network communication with the POS of the merchant;
• and
• accessing a database that stores data associated with a plurality of loyalty groups including the loyalty group, wherein the user account is determined based on the user identifier and the data;
• determining, by the processor, a type of a loyalty membership for the user account, based on whether user details associated with the user account are accessible by a merchant account associated with the merchant;
• determining, by the processor, another user account from a plurality of user accounts of the loyalty group that comprises the user account, wherein the determining the other user account comprises:
• determining, by the processor, a set of candidate user accounts from the plurality of user accounts of the loyalty group based on whether each of the set of candidate user accounts has indicated a promotion for sharing loyalty points with the plurality of user accounts, wherein the other user account is determined based on the type of the loyalty membership;
• further determining the type of the loyalty membership based on whether the user details are accessible by the other user account;
• determining, by the processor, whether the type of the loyalty membership for the user account can be upgraded based on a quadrant classification of the type of the loyalty membership in an x-y coordinate system;
• and
• in response to determining that the type of the loyalty membership for the user account can be upgraded, providing, by the processor, a communication to the user device to cause a user interface of the user device to display a prompt for providing access to additional user details to upgrade the type of the loyalty membership.