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

Claim 10:
11. A non-transitory computer readable storage medium, including instructions stored thereon, which when read and executed by one or more computer processors, cause the one or more computer processors to perform steps comprising:
receiving a selection of a pay with points option associated with a financial instrument;
communicating a request for a payment payload for the financial instrument to an issuer backend over a first communication network;
receiving the payment payload from the issuer backend over the first communication network;
providing the selection of the pay with points option and an identifier to the issuer backend; and
providing 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.