These days, most people have signed up at least more than three customer loyalty programs. However, these flooding loyalty programs may be a nuisance to some customers. In the case of products with low purchasing frequency, it takes too much time to gather enough amount of points to use for customers to actually feel its utility. Even if a customer collects a considerable amount of points, the points may get expired before the customer finds somewhere to use the point. What if the customer can earn some point by buying the product A, earn some more by using service B or purchasing another product C, and use them altogether?