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A method includes receiving a payment request for a transaction between a merchant and a customer. The payment request includes a payment token and an amount of the transaction in currency. The rewards account stores a number of rewards points. The method includes authenticating the payment request....

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Bibliographische Detailangaben
Hauptverfasser:	Kurani, Ashish B, Puffer, Steven E
Format:	Patent
Sprache:	eng
Schlagworte:	CALCULATING COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES PHYSICS SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung:	A method includes receiving a payment request for a transaction between a merchant and a customer. The payment request includes a payment token and an amount of the transaction in currency. The rewards account stores a number of rewards points. The method includes authenticating the payment request. The method includes determining a currency conversion value for the rewards points. The currency conversion value is based on a conversion rate and a merchant multiplier. The method includes determining the number of rewards points is not enough to cover the transaction. The method includes identifying a secondary payment source that contains sufficient funds to cover a remaining balance of the transaction. The method includes transmitting an approval message to a merchant computing system.