Distribution of fractional equity rewards based on purchase behavior

A method for automatically distributing fractional equity rewards using a loyalty platform, the method comprising:

• determining a dollar reward amount for a user based on a tracked user loyalty purchase conducted by the user with a business;
• displaying an equity reward status to the user;
• aggregating the dollar reward amount with a plurality of dollar reward amounts to form an aggregate dollar reward amount;
• executing a whole share purchase for a number of whole shares of stock in the business responsive to the aggregate dollar reward amount exceeding a pending reward threshold;
• determining a fractional share amount to reward the user based on an execution price of the whole share purchase and the dollar reward amount;
• distributing the fractional share amount to an account of the user from a pre-purchased supply of shares of stock in an inventory account of the loyalty platform;
• and
• displaying an updated equity reward status to the user via a user device.

A computing system comprising:

• a processor;
• a network adapter;
• and
• a memory storing instructions executable by the processor to:
• aggregate a plurality of dollar reward amounts, wherein the plurality of dollar reward amounts comprise loyalty rewards earned by one or more users based on a plurality of tracked user loyalty purchases conducted with a business;
• transmit an equity reward status using the network adapter to one or more user computing devices associated with one or more of the plurality of tracked user loyalty purchases;
• execute a whole share purchase based on the aggregated dollar reward amounts exceeding a pending reward threshold;
• determine a plurality of fractional share amounts based on an execution price of the whole share purchase and the plurality of dollar reward amounts;
• distribute the plurality of fractional share amounts to a plurality of user accounts from a pre-purchased supply of shares of stock in an inventory account of a loyalty platform;
• and
• transmit an updated equity reward status via the network adapter to the one or more user computing devices indicating distribution of the plurality of fractional share amounts is complete.