Patent ID: 11893575
Assignee: JPMORGAN CHASE BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 8:
9. A system, comprising:
a mobile electronic device comprising a computer processor executing a mobile wallet computer application and a mobile payment application, the mobile wallet computer application having a mobile wallet computer application identifier, the mobile electronic device associated with a customer; and
a backend for a financial instrument issuer comprising at least one computer processor in communication with the mobile wallet computer application over a first communication network and a merchant point of transaction device over a second communication network; wherein:
the mobile wallet computer application communicates the mobile wallet computer application identifier to the mobile payment application thereby linking the mobile wallet computer application and the mobile payment application;
the mobile wallet computer application receives, from the customer, a selection of a financial instrument and an instruction to pay for a transaction with rewards points that are associated with the selected financial instrument;
the mobile wallet computer application communicates the selection of the financial instrument to the mobile payment application;
the backend for the financial instrument issuer receives, from the mobile wallet computer application over a first communication network at a first time, a first communication comprising the instruction;
the backend for the financial instrument issuer receives, from a merchant point of transaction device for a merchant over a second communication network at a second time, 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;
the backend for the financial instrument issuer matches the first communication to the second communication in response to the first time and the second time being received within a time tolerance; and
the backend for a financial instrument issuer processes the transaction request according to the instruction.