Systems and methods for peer-to-peer reward points transfer over mobile devices

A computer-implemented method for pooling reward points from a first reward point account into a separate second reward points account, the method implemented by a rewards program computer system in communication with a memory, the method comprising:

• retrieving, from the memory, a first reward points balance associated with the first reward points account and a second reward points balance associated with the second reward points account;
• determining that the first reward points account is associated with the second reward points account;
• receiving from a first mobile computing device associated with the first reward points account, a transfer request indicating a determination from the first mobile device that (i) a separate second mobile computing device is within a predetermined proximity of the first mobile computing device, (ii) the second mobile device is associated with the second reward points account, and (iii) at least one reward point is to be transferred from the first reward points account to the second reward points account;
• transmitting an authentication request to the first mobile device for security credentials;
• and
• transferring the at least one reward point from the first reward points account to the second reward points account.

A computer system for pooling reward points from a first reward point account into a separate second reward points account, the computer system comprising a rewards program computer device comprising at least one processor in communication with at least one memory, the at least one processor programmed to:

• retrieve, from the memory, a first reward points balance associated with the first reward points account and a second reward points balance associated with the second reward points account;
• determine that the first reward points account is associated with the second reward points account;
• receive, from a first mobile computing device associated with the first reward points account, a transfer request indicating a determination from the first mobile device that (i) a separate second mobile computing device is within a predetermined proximity of the first mobile computing device, (ii) the second mobile device is associated with the second reward points account, and (iii) at least one reward point is to be transferred from the first reward points account to the second reward points account;
• transmit an authentication request to the first mobile device for security credentials;
• and
• transfer the at least one reward point from the first reward points account to the second reward points account.

One or more non-transitory computer-readable storage media having computer-executable instructions embodied thereon for pooling reward points from a first reward point account into a separate second reward points account, wherein when executed by a processor of a rewards program computer system that is in communication with a memory, the computer-executable instructions cause said processor to:

• retrieve, from the memory, a first reward points balance associated with the first reward points account and a second reward points balance associated with the second reward points account;
• determine that the first reward points account is associated with the second reward points account;
• receive from a first mobile computing device associated with the first reward points account, a transfer request indicating a determination from the first mobile device that (i) a separate second mobile computing device is within a predetermined proximity of the first mobile computing device, (ii) the second mobile device is associated with the second reward points account, and (iii) at least one reward point is to be transferred from the first reward points account to the second reward points account;
• transmit an authentication request to the first mobile device for security credentials;
• and
• transfer the at least one reward point from the first reward points account to the second reward points account.