Accrual is governed by rules that map an event to an earned amount. A rule specifies the trigger, such as a purchase or a check-in, the earn rate, and any conditions like eligible products, channels, or member segment. When the event arrives, the program evaluates the rule and posts currency to the member's balance, either in real time or in a batch cycle.
Consider a grocer that grants one point per dollar on most items but five points per dollar on private-label goods during a promotion. The accrual logic has to read the basket line by line, apply the base rate, layer the promotional rate on eligible items, and record the result so the member sees an accurate balance immediately.
For an enterprise operator, accrual accuracy is where trust is won or lost. Members notice a missing point faster than almost any other error, and every accrued point becomes a liability the finance team carries. Clean accrual rules, auditable and easy to change, keep both the member ledger and the balance sheet correct as the program grows.
