Patent ID: 11928669
Assignee: JPMORGAN CHASE BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 5:
6. A system, comprising:
an electronic device comprising a computer processor and a memory storing a mobile wallet application;
a merchant host;
an issuer wallet backend; and
an issuer;
wherein the mobile wallet application is configured to:
receive a selection of a pay with points option associated with a financial instrument for a transaction with a merchant;
communicate the selection of the pay with points option and a request for a payment payload for the financial instrument to an issuer backend for the issuer mobile wallet application over a first communication network;
receive the payment payload from the issuer backend over the first communication network; and
provide the pay with points option and an identifier to the issuer backend; and
provide the payment payload and the identifier to a merchant host;

wherein the merchant host is configured to communicate a transaction comprising the identifier and the payment payload to the issuer backend over a second communication network; and
wherein the issuer backend is configured to identify the selection of the pay with points option for the transaction based on the identifier.