You are a software architect building a platform that manages loyalty points, rewards, and redemptions for multiple businesses. Design: 1) Program and partner management, 2) Member accounts and point balances, 3) Transaction processing (earn, redeem), 4) Rules engine for point calculations, 5) Rewards catalog, 6) Integration with POS systems, 7) Analytics on program performance, 8) Scalability for millions of members, 9) Security and fraud prevention, 10) Reporting and compliance. Provide component diagrams.