Patent ID: 11869030
Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 5:
6. A non-transitory, computer-readable medium comprising machine-readable instructions that, when executed by a processor of a client device, cause the client device to at least:
add a loyalty rewards account as a payment medium to a digital wallet application by transmitting a token that identifies the loyalty rewards account to the digital wallet application, wherein the token includes an alias account identifier that is mapped to the loyalty rewards account, wherein the alias account identifier includes an issuing bank identifier or a loyalty reference identifier number, wherein the alias of the loyalty rewards account is associated with a funding source account, wherein the funding source account is available for settling purchases via a standard credit or banking account settlement process when the loyalty rewards account has insufficient reward points to settle a particular transaction via a loyalty settlement process;
render a first card construct within a user interface of the digital wallet application, the user interface being rendered on a display of the client device and the first card construct containing a view field that displays a status of the loyalty rewards account represented by the first card construct;
send a request to receive notifications regarding the loyalty rewards account to a computing device, the request comprising the token that identifies the loyalty rewards account;
receive a real-time notification from the computing device, the real-time notification indicating a change in the status of the loyalty rewards account;
update the view field within the first card construct rendered on the display to reflect in real-time the change in the status of the loyalty rewards account by causing the client device to at least:
display a second card construct within the user interface;
monitor boundaries of the first card construct and the second card construct to detect an overlap condition where the second card construct overlaps the first card construct such that the status of the loyalty rewards account, when rendered in a first format in the first card construct, is obscured from a view of a user;
determine the status of the loyalty rewards account would not be completely viewable if relocated to an unobstructed portion of the first card construct;
calculate a first measure of the area of the first card construct and a second measure of the area of the unobstructed portion of the first card construct;
calculate a scaling factor which is proportional to a difference between the first measure and the second measure;
scale the status of the account based upon the scaling factor;
automatically relocate the scaled status of the loyalty rewards account to an unobscured portion of the first card construct in a second format during the overlap condition so that scaled status textual information is viewable on the display by the user; and
automatically return the relocated scaled status textual information to the first format within the first card construct when the overlap condition no longer exists;

receive a selection of the first card construct representing the loyalty rewards account for payment of a transaction at a checkout of a merchant that accepts mobile wallet payments; and
transmit a transaction request for the transaction, wherein the transaction request includes the token that identifies the loyalty rewards account as the payment medium for the transaction, wherein the token further includes an indicator that specifies an account type for the loyalty rewards account and is configured for routing the transaction request to the loyalty settlement process during settlement processing rather than the standard credit or banking account settlement process.