US 11,928,669 B2
Systems and methods for mobile wallet payments
Howard Spector, Street, MD (US); Eric Connolly, Wilmington, DE (US); John D Moore, Dublin, OH (US); Nancy E Hiebler, Wilmington, DE (US); Michael Naggar, Dallas, TX (US); Ayman A Hammad, Pleasanton, CA (US); Tuan Dao, Richardson, TX (US); and Venkata Maranani, Newark, DE (US)
Assigned to JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed by JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed on Nov. 17, 2022, as Appl. No. 18/056,430.
Application 18/056,430 is a division of application No. 16/119,428, filed on Aug. 31, 2018, granted, now 11,544,699.
Claims priority of provisional application 62/552,506, filed on Aug. 31, 2017.
Prior Publication US 2023/0081810 A1, Mar. 16, 2023
Int. Cl. G06Q 20/36 (2012.01); G06Q 20/22 (2012.01); G06Q 20/32 (2012.01)
CPC G06Q 20/36 (2013.01) [G06Q 20/227 (2013.01); G06Q 20/3278 (2013.01)] 15 Claims
OG exemplary drawing
 
1. A method for conducting a payment using an electronic wallet, comprising:
receiving, by an issuer mobile wallet application executed by a mobile electronic device, a selection of a pay with points option associated with a financial instrument;
communicating, by the issuer mobile wallet application, 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;
receiving, by the issuer mobile application, the payment payload from the issuer backend over the first communication network;
providing, by the mobile application, the selection of the pay with points option and an identifier to the issuer backend; and
providing, by the mobile wallet application, 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.