Patent ID: 11928669
Assignee: JPMORGAN CHASE BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A method for conducting a payment using an electronic wallet, comprising:
receiving, by an issuer mobile wallet application executed by a mobile electronic device, a selection of a pay with points option associated with a financial instrument;
communicating, by the issuer mobile wallet application, a request for a payment payload for the financial instrument to an issuer backend for the issuer mobile wallet application over a first communication network;
receiving, by the issuer mobile application, the payment payload from the issuer backend over the first communication network;
providing, by the mobile application, the selection of the pay with points option and an identifier to the issuer backend; and
providing, by the mobile wallet application, the payment payload and the identifier to a merchant host;
wherein the merchant host is configured to communicate a transaction comprising the identifier and the payment payload to the issuer backend over a second communication network; and
wherein the issuer backend is configured to identify the selection of the pay with points option for the transaction based on the identifier.