Patent ID: 11893575
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 mobile wallet payment with dynamic enhanced data using a mobile payment application, comprising:
communicating, by a mobile wallet computer application for a financial instrument issuer, a mobile wallet computer application identifier for the mobile wallet computer application to a mobile payment application thereby linking the mobile wallet computer application and the mobile payment application, the mobile wallet computer application and the mobile payment application executed by a mobile electronic device for a customer;
receiving, by the mobile wallet computer application and from the customer, a selection of a financial instrument that is provisioned to the mobile wallet computer application and an instruction to pay for a transaction with rewards points that are associated with the selected financial instrument;
communicating, by the mobile wallet computer application, the selection of the financial instrument to the mobile payment application;
receiving, by a backend for the financial instrument issuer comprising at least one computer processor and from the mobile wallet computer application over a first communication network, a first communication comprising the instruction and the mobile wallet computer application identifier;
receiving, by the backend and from a merchant point of transaction device for a merchant over a second communication network, a second communication comprising a transaction request for the transaction that was received by the merchant point of transaction device from the mobile payment application, the transaction request comprising a unique identifier for the financial instrument and the mobile wallet computer application identifier;
matching, by the backend, the first communication and the second communication using the mobile wallet computer application identifier; and
processing the transaction request according to the instruction.