INVARIANT

Downloadable software for managing brand-issued stored value, loyalty liabilities, gift card balances, promotional credits, breakage modeling, ASC 606 revenue recognition, and financial subledger automation; downloadable financial operations software for merchants integrating point-of-sale, ecommerce, loyalty, and accounting systems.

Business data analytics for brand-issued value; business management of loyalty programs; compilation, analysis, and systemization of commercial data relating to customer rewards, stored-value balances, and redemption behavior.

Financial transaction processing for brand-issued value; financial management of loyalty liabilities, gift cards, stored-value balances, and promotional credits; financial reconciliation services; financial modeling for breakage prediction, redemption forecasting, and revenue recognition; financial risk scoring for merchant-issued obligations.

Providing access to online portals, application programming interfaces (APIs), and electronic data transmission networks for sending, receiving, and synchronizing financial, loyalty, and stored-value data between merchants, point-of-sale systems, ecommerce platforms, loyalty systems, and accounting software; electronic transmission of data and information for use in financial reconciliation, loyalty liability management, breakage modeling, and revenue recognition.

Software as a service (SaaS) featuring software for operating financial subledgers, loyalty liability accounting, breakage prediction, and management of stored-value systems; platform as a service (PaaS) for integrating merchant financial data, point-of-sale systems, loyalty platforms, and accounting systems; providing temporary use of online non-downloadable software for automating ASC 606 compliance and financial reporting.