Patent ID: 11922452
Assignee: PAYPAL, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 14:
15. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
detecting that a location of a user device corresponds to a merchant;
in response to the detecting that the location of the user device corresponds to the merchant, determining one or more previously completed transactions of a plurality of previously completed transactions that have unprocessed rewards corresponding to the merchant;
identifying, in response to determining the one or more previously completed transactions correspond to the merchant, a smart contract, from a plurality of smart contracts, that corresponds to the merchant and a user account being accessed by the user device;
communicating transaction information corresponding to the one or more previously completed transactions to the identified smart contract, wherein the transaction information includes an amount of unprocessed rewards corresponding to the one or more previously completed transactions at the merchant;
processing a transaction at the location that corresponds to the merchant;
during the processing of the transaction, detecting, using communications between other user devices and a device of the merchant, that the other user devices are at the location that corresponds to the merchant;
during the processing of the transaction, identifying a second smart contract from the plurality of smart contracts that corresponds to a second merchant, wherein the plurality of smart contracts are accessible by user accounts of the other user devices at the location that corresponds to the merchant; and
causing the identified first smart contract to allocate, to the user account, the amount of unprocessed rewards and the second smart contract to allocate, to the user account, a second amount of unprocessed rewards that corresponds to a second one or more transactions previously completed at the second merchant, wherein the second amount of rewards in the second smart contract dynamically changes with a number of the other user devices at the location that corresponds to the merchant during the processing of the transaction, wherein the amount and the second amount of the unprocessed rewards are processed in the transaction.