US 12,277,575 B2
System, method and computer-accessible medium for authentication of rewards information
Kate Key, Effingham, IL (US); Kenneth Taylor, Champaign, IL (US); Mark Watson, Sedona, AZ (US); Jeremy Goodsitt, Champaign, IL (US); Vincent Pham, Champaign, IL (US); Anh Truong, Champaign, IL (US); Austin Walters, Champaign, IL (US); and Fardin Abdi Taghi Abad, Champaign, IL (US)
Assigned to CAPITAL ONE SERVICES, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Dec. 2, 2022, as Appl. No. 18/074,199.
Application 18/074,199 is a continuation of application No. 16/811,111, filed on Mar. 6, 2020, granted, now 11,562,390.
Prior Publication US 2023/0169535 A1, Jun. 1, 2023
Int. Cl. G06Q 30/02 (2023.01); G06Q 20/40 (2012.01); G06Q 30/0207 (2023.01); G06Q 30/0226 (2023.01); G06Q 30/0234 (2023.01)
CPC G06Q 30/0233 (2013.01) [G06Q 20/4018 (2013.01); G06Q 30/0215 (2013.01); G06Q 30/0234 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A non-transitory computer-accessible medium having stored thereon computer-executable instructions, wherein, when a computer arrangement executes the instructions, the computer arrangement is configured to perform procedures comprising:
associating a rewards account at a second entity with a financial account of a user at a first entity;
receiving, based on an attempted transaction with the user's financial account, a signed authentication token packaged with rewards information for the rewards account based on the attempted transaction, wherein the authentication token includes financial account information associated with the user's financial account located at the first entity and security credentials, the signed authentication token being encrypted using a private key;
decrypting the signed authentication token using the private key;
authenticating the attempted transaction based on the signed authentication token;
verifying that the financial account information is associated with the user based on the signed authentication token;
verifying the rewards information based on the signed authentication token;
removing a link between the financial account information and a prior rewards account;
updating the rewards account at the second entity with the rewards information upon verification of the rewards information;
generating a display screen configured to include rewards information related to the updated rewards account and at least one further rewards account, wherein the rewards information includes a number of reward points associated with the rewards account updated based on the attempted transaction; and
displaying, on the display screen, the rewards information related to the rewards account.