Patent ID: 11922450
Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 13:
14. A system, comprising:
at least one processor and memory; and
a transaction authorization system, implemented on the at least one processor and memory, configured to (i) establish a first connection between a point of sale terminal and the transaction authorization system, and (ii) receive, via the first connection, a request to authorize a transaction;
a hybrid reward system, implemented on the at least one processor and memory, configured to (i) establish a second connection between the point of sale terminal of a merchant and the hybrid reward system, (ii) establish a third connection between the hybrid reward system and the transaction authorization system, the third connection being in parallel with the second connection, (iii) receive, via the second connection, reward program information, (iv) in parallel with the receipt of the reward program information, receive, via the third connection, transaction information, the transaction information comprising information indicating authorization of the transaction, (v) in response to the receipt of the reward program information and the transaction information, analyze the reward program information and the transaction information to determine a reward for the transaction, and (vi) transmit updated reward program information comprising the reward and the transaction information to a user device, wherein the updated reward program information comprises at least an amount of reward points fora reward program.