Payment using rewards points

Patent metadata

Field	Value
Publication number	US-12236448-B2
Application number	US-202318123948-A
Country	US
Kind code	B2
Filing date	Mar 20, 2023
Priority date	Aug 7, 2014
Publication date	Feb 25, 2025
Grant date	Feb 25, 2025

Abstract

A method of payment using rewards is provided. The method includes detecting, by a mobile device of a customer, an authentication device based on a short range wireless communication between the mobile device and the authentication device; in response to detecting the authentication device, retrieving, by the mobile device, authentication data of the customer from the authentication device via the short range wireless communication; populating, by the mobile device, a graphical user interface displayed to the customer using the authentication data retrieved from the authentication device; receiving, by the mobile device, a selection from the customer to send the authentication data to an account management system; sending, by the mobile device, the authentication data to the account management system based on the received selection; and receiving, by the mobile device, a payment option for a transaction based on the customer being authenticated using the authentication data.

First claim

What is claimed is:

1. A method of payment using rewards points, comprising:
receiving, by a mobile device of a customer, a first short-range wireless communication from a point-of-sale device, the first short-range wireless communication including a payment amount for a transaction;
in response to receiving the first short-range wireless communication from the point-of-sale device, prompting, by the mobile device, the customer to tap an authentication device to the mobile device;
detecting, by the mobile device, the authentication device based on a second short-range wireless communication between the mobile device and the authentication device;
in response to detecting the authentication device, retrieving, by the mobile device, authentication data of the customer from the authentication device via the second short-range wireless communication, the authentication data including a credential associated with an account of the customer;
populating, by the mobile device, a graphical user interface displayed to the customer using the payment amount received from the point-of-sale device via the first short-range wireless communication and the authentication data retrieved from the authentication device based on the second short-range wireless communication;
receiving, by the mobile device, a selection from the customer to send the payment amount and the authentication data to an account management system;
sending, by the mobile device, the payment amount and the authentication data to the account management system based on the received selection;
receiving, by the mobile device, a payment option for a transaction based on the customer being authenticated using the authentication data; and
transmitting, by the mobile device, the payment option to a merchant computing system to perform the transaction.

2. The method of claim 1 , wherein the authentication device is a contactless card.

3. The method of claim 1 , wherein the authentication data comprises a cryptographically generated code.

4. The method of claim 1 , further comprising sending, by the mobile device, biometric data to the account management system.

5. The method of claim 1 , wherein the payment option is at least one of a quick response (QR) code, a bar code, or a near-field communication (NFC) transmission.

6. The method of claim 1 , further comprising:
in response to detecting the authentication device, automatically launching a mobile application on the mobile device, and wherein retrieving the authentication data from the authentication device is performed via the mobile application.

7. A mobile device, comprising:
at least one memory and at least one processor, the at least one processor structured to execute instructions stored in the at least one memory that, when executed, cause operations comprising:
receiving a first short-range wireless communication from a point-of-sale device, the first short-range wireless communication including a payment amount for a transaction;
in response to receiving the first short-range wireless communication from the point-of-sale device, prompting a customer to tap an authentication device to the mobile device;
detecting the authentication device based on a second short-range wireless communication between the mobile device and the authentication device;
in response to detecting the authentication device, retrieving authentication data of a customer from the authentication device via the second short-range wireless communication, the authentication data including a credential associated with an account of the customer;
populating a graphical user interface using the payment amount received from the point-of-sale device via the first short-range wireless communication and the authentication data retrieved from the authentication device based on the second short-range wireless communication;
receiving a selection from the customer to send the payment amount and the authentication data to an account management system;
sending the payment amount and the authentication data to the account management system based on the received selection;
receiving a payment option for a transaction based on the customer being authenticated using the authentication data; and
transmitting the payment option to a merchant computing system to perform the transaction.

8. The mobile device of claim 7 , wherein the authentication device is a contactless card.

9. The mobile device of claim 7 , wherein the authentication data comprises a cryptographically generated code.

10. The mobile device of claim 7 , wherein the instructions, when executed, further cause operations comprising: sending biometric data to the account management system.

11. The mobile device of claim 7 , wherein the payment option is at least one of a quick response (QR) code, a bar code, or a near-field communication (NFC) transmission.

12. The mobile device of claim 7 , wherein the instructions, when executed, further cause operations comprising: in response to detecting the authentication device, automatically launching a mobile application on the mobile device, and wherein retrieving the authentication data from the authentication device is performed via the mobile application.

13. One or more non-transitory computer-readable media comprising instructions stored thereon that, when executed by one or more processors, cause the one or more processors to perform operations comprising:
receiving a first short-range wireless communication from a point-of-sale device, the first short-range wireless communication including a payment amount for a transaction;
in response to receiving the first short-range wireless communication from the point-of-sale device, prompting a customer to tap an authentication device to a mobile device;
detecting the authentication device based on a second short-range wireless communication between the mobile device of a customer and the authentication device;
in response to detecting the authentication device, retrieving authentication data of the customer from the authentication device via the second short-range wireless communication, the authentication data including a credential associated with an account of the customer;
populating a graphical user interface displayed to the customer using the payment amount received from the point-of-sale device via the first short-range wireless communication and the authentication data retrieved from the authentication device based on the second short-range wireless communication;
receiving a selection from the customer to send the payment amount and the authentication data to an account management system;
sending the payment amount and the authentication data to the account management system based on the received selection;
receiving a payment option for a transaction based on the customer being authenticated using the authentication data; and
transmitting the payment option to a merchant computing system to perform the transaction.

14. The one or more non-transitory computer-readable media of claim 13 , wherein the authentication device is a smart card.

15. The one or more non-transitory computer-readable media of claim 13 , wherein the authentication data comprises a cryptographically generated code.

16. The one or more non-transitory computer-readable media of claim 13 , wherein the operations further comprise sending biometric data to the account management system.

17. The one or more non-transitory computer-readable media of claim 13 , wherein the payment option is at least one of a quick response (QR) code, a bar code, or a near-field co

Assignees

• Wells Fargo Bank Na

Inventors

• Ho Peter

Classifications

• G06Q20/40

  Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists · CPC title

• G06Q20/3278

  RFID or NFC payments by means of M-devices · CPC title

• G06Q20/102

  Bill distribution or payments · CPC title

• G06K19/06037

  multi-dimensional coding · CPC title

• G06K19/06028

  using bar codes · CPC title