Patent ID: 11935087
Assignee: PAYPAL, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 7:
8. A method comprising:
generating one or more records in a rewards database based at least on an input provided by a user, wherein each of the one or more records corresponds to one or more rewards programs, wherein each of the one or more records is uniquely identifiable by a respective unique rewards identifier, and wherein the one or more records and the one or more rewards programs correspond to a plurality of different entities;
generating one or more payment tokens that correspond to respective one or more financial instruments, wherein each of the one or more payment tokens is associated with a respective record of the one or more records, wherein each of the one or more payment tokens is uniquely identifiable by a respective payment rewards identifier that is encoded based on a specified algorithm;
transmitting the generated one or more payment tokens to a user device of the user;
detecting an initiation of a transaction by the user device, wherein the detecting the initiation of the transaction includes:
decoding, based on the specified algorithm, the respective payment rewards identifier associated with the transaction; and
identifying, based on the decoded respective payment rewards identifier, a first payment token of the one or more payment tokens;

determining that the first payment token corresponds to the respective unique rewards identifier that identifies a first record of the one or more records; and
based on the determining, updating a rewards amount in the first record based on information associated with the transaction.