Patent ID: 8650078

Claim:
A method for paying with loyalty currency at one or more store merchants by a user using an app, the loyalty currency being provided by one or more program sponsors, the method comprising: presenting, by a computing device, loyalty currency balance information corresponding to one or more program sponsors and one or more store merchants when the user visits the one or more store merchants; receiving, by the computing device, a selection of a store merchant from the one or more store merchants for payment with the loyalty currency; presenting, by the computing device, one or more transaction rules associated with the selected store merchant, wherein the one or more transaction rules are dynamically downloaded from at least one program sponsor when the user selects the store merchant from the one or more store merchants; activating, by the computing device, payment with the loyalty currency after accepting the one or more transaction rules; and reporting, by the computing device, the activation to a loyalty currency server connected with the app through a network, wherein the app is independent of the one or more store merchants, the app enables payment with the loyalty currency using one or more payment cards at the one or more store merchants and wherein the method is implemented using the app being installed at the computing device.