The first time my professional and FT lives intersect

I work in the world of tech investing, and we've got a project going on with a multinational financial company. No doubt you use them. We're working in many areas with them, but one in particular likely has relevance to you folk: New loyalty program models particularly for credit cards. Besides the most gameable program, what new model has been in the back of your mind Alternatively, have you come up with some type of model that /isn't/ gameable?

As a first pass filter do you have any ideas that are (and if it clears that bar, feel free to PM me)
a) patentable. (not published, offered for sale, non-obvious, no conflicting prior art, etc).
b) novel.
c) related to alternative payment schemes (b2b, b2c, social networks, affinity groups, ecosystems that connect, incent, and reward)
d) if you're already working on a project in this space and want c-level access to pitch, there might be an opportunity too


I ABSOLUTELY DO NOT WANT ANY CONFIDENTIAL DISCLOSURES. PM me to start the conversation about how we'd discuss something that is confidential in nature (NDA, payment terms, etc).

In the realm of not publishing... I wouldn't suggest discussing new ideas on this or other forums else it can preclude patentability.