US 12,067,614 B2
Systems and methods for performing a purchase transaction using rewards points
Richard Elliott, Glen Allen, VA (US); Matthew Sextone, Richmond, VA (US); Patricia Hansen, Glen Allen, VA (US); and Rhett Edwards, Mechanicsville, VA (US)
Assigned to CAPITAL ONE SERVICES, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Nov. 30, 2022, as Appl. No. 18/060,043.
Application 18/060,043 is a continuation of application No. 17/086,626, filed on Nov. 2, 2020, granted, now 11,562,424.
Application 17/086,626 is a continuation of application No. 15/949,417, filed on Apr. 10, 2018, granted, now 10,825,087, issued on Nov. 3, 2020.
Application 15/949,417 is a continuation of application No. 12/106,074, filed on Apr. 18, 2008, granted, now 9,972,047, issued on May 15, 2018.
Prior Publication US 2023/0088714 A1, Mar. 23, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 30/02 (2023.01); G06Q 30/0241 (2023.01); G06Q 30/0251 (2023.01); G06Q 40/00 (2023.01)
CPC G06Q 40/00 (2013.01) [G06Q 30/02 (2013.01); G06Q 30/0255 (2013.01); G06Q 30/0267 (2013.01); G06Q 30/0277 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system comprising:
one or more processors; and
a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
receive a request to make a purchase;
determine, based on account information associated with a customer account of a customer, that the customer account is associated with a plurality of rewards accounts each associated with respective rewards points;
receive data comprising specific criteria for determining an allocation of the respective rewards points to be used for the purchase;
determine the allocation of the respective rewards points to be used for the purchase based on the received data;
generate an interactive user display using the determined allocation, the interactive user display configured to:
provide an option to pay for the purchase using the plurality of rewards accounts;
automatically preselect the determined allocation of points of the respective rewards points to be used for the purchase; and
automatically arrange the respective rewards points based on the determined allocation;
transmit for display the interactive user display to a customer device associated with the customer in response to receiving the request to make the purchase;
receive, from the customer device, one or more selections of the respective rewards points to be used for the purchase; and
update the interactive user display to provide updated available respective rewards points based on the one or more selections.