US 11,935,087 B2
Utilizing payment tokens to track rewards
Avik Chatterjee, Phoenix, AZ (US); and Srivathsan Narasimhan, Saratoga, CA (US)
Assigned to PAYPAL, INC., San Jose, CA (US)
Filed by PAYPAL, INC., San Jose, CA (US)
Filed on Sep. 15, 2020, as Appl. No. 17/021,356.
Application 17/021,356 is a continuation of application No. 15/464,831, filed on Mar. 21, 2017, granted, now 10,776,808, issued on Sep. 15, 2020.
Prior Publication US 2021/0056579 A1, Feb. 25, 2021
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 30/00 (2023.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 30/0226 (2023.01)
CPC G06Q 30/0229 (2013.01) [G06Q 20/385 (2013.01); G06Q 20/387 (2013.01); G06Q 20/405 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A rewards platform, comprising:
one or more processors, one or more computer-readable memories, with program instructions stored on the one or more computer-readable memories, the one or more processors configured to execute the program instructions to cause the rewards platform to perform operations comprising:
generating one or more records in a rewards database based at least on an input provided by a user, wherein each of the one or more records corresponds to one or more rewards programs, wherein the one or more records are separately identifiable by one or more unique rewards identifier numbers, and wherein the one or more records and the one or more rewards programs correspond to a plurality of different entities;
generating one or more payment tokens that correspond to respective one or more financial instruments, wherein each of the one or more payment tokens is associated with a respective record of the one or more records, wherein the one or more payment tokens are separately identifiable by one or more unique payment rewards identifiers, and wherein each of the one or more unique payment rewards identifiers is encoded based on a specified algorithm;
transmitting the generated one or more payment tokens to a user device of the user;
detecting an initiation of a transaction by the user device, wherein the detecting the initiation of the transaction includes:
decoding, based on the specified algorithm, one of the unique payment rewards identifiers associated with the transaction; and
identifying, based on the decoded one of the unique payment rewards identifiers, a first payment token of the one or more payment tokens;
determining that the first payment token corresponds to the unique rewards identifier number that identifies a first record of the one or more records; and
based on the determining, updating a rewards amount in the first record based on information associated with the transaction.