公开(公告)号：US20200027116A1

公开(公告)日：2020-01-23

申请号：US16517313

申请日：2019-07-19

Applicant: First Data Corporation

Inventor： Vijay K. Royyuru ,  Lanny Byers ,  David Farris ,  Shawn Kretschmer ,  Cindy White ,  Skyler Fox ,  April Ross

IPC: G06Q30/02

Abstract: Embodiments described herein provide methods and systems for making reward point account balances liquid for the customer. In traditional systems, reward points issued to customers in their reward point accounts have limited redemption options. Embodiments discussed herein allow a user to provision their reward point account into a digital wallet. The user can then use the reward points to purchase goods and services using their reward point account as a payment source via the digital wallet. The result is that the reward point account balance becomes a liquid asset for the customer to use to purchase any goods and/or services at any merchant that accepts payments from a digital wallet. Further, due to real-time point conversion at the time of the transaction, the available point balance is always up-to-date for use through any access method available to the user.

公开(公告)号：US20200027115A1

公开(公告)日：2020-01-23

申请号：US16517191

申请日：2019-07-19

Applicant: First Data Corporation

Inventor： Vijay K. Royyuru ,  Lanny Byers ,  David Farris ,  Shawn Kretschmer ,  Cindy White ,  Skyler Fox ,  April Ross

IPC: G06Q30/02 ,  G06Q20/36

Abstract: Embodiments described herein provide methods and systems for making reward point account balances liquid for the customer. In traditional systems, reward points issued to customers in their reward point accounts have limited redemption options. Embodiments discussed herein allow a user to provision their reward point account into a digital wallet. The user can then use the reward points to purchase goods and services using their reward point account as a payment source via the digital wallet. The result is that the reward point account balance becomes a liquid asset for the customer to use to purchase any goods and/or services at any merchant that accepts payments from a digital wallet. Further, due to real-time point conversion at the time of the transaction, the available point balance is always up-to-date for use through any access method available to the user.