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

Claim 14:
15. A computer program product comprising:
one or more computer-readable tangible storage devices, and program instructions stored on at least one of the one or more computer-readable tangible storage devices, the program instructions when executed cause a machine to perform operations comprising:
accessing one or more records in a rewards database, wherein the one or more records are 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 corresponds to a different 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 corresponds to a different encoded payment rewards identifier;
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, the transaction including a specified payment rewards identifier, wherein the detecting the initiation of the transaction includes:
decoding the specified encoded payment rewards identifier included in the transaction; and
identifying, based on the decoded specified payment rewards identifier, a first payment token of the one or more payment tokens;

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