Patent ID: 11886611
Assignee: WELLS FARGO BANK, N.A.
Field: Digital communication (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 7:
8. A computing system having a processor and a memory storing executable code which causes the computing system, when executed, to:
receive, from a user device, location data indicating a physical location of the user device;
credit a rewards value to an account of a user of the user device responsive to determining, based on the physical location of the user device, that the user device is located at a predetermined location;
provide, via the internet, an internet browser or an application executing on the user device, responsive to a successful login via the user device, an internet portal with one or more graphical interfaces, the one or more graphical interfaces including information indicating the rewards value earned by the user in response to the user device being located at the predetermined location, the one or more graphical interfaces including respective rewards for a plurality of providers;
receive, via the internet portal, a selection to enable use of the rewards value as a part of a subsequent electronic transaction using the account with a provider of the plurality of providers selected by the user via the one or more graphical interfaces;
receive, from a provider computing device of the selected provider, responsive to the user engaging in an electronic transaction via the provider computing device, an authorization request for the electronic transaction requiring an electronic monetary payment of a monetary amount by the user using the account; and
apply the rewards value to the electronic transaction involving the account by reducing the electronic monetary payment for the electronic transaction based on the rewards value.