	US 12,079,834 B2
	Method, system, and computer program product for processing a transaction initiated using an electronic wallet
Shankara Narayanan Ramesh, Singapore (SG); Purnachandra Reddy Motati, Singapore (SG); Arulmurugan Chinnasamy, Singapore (SG); Pradeep Damitha Senanayake, Singapore (SG); and Vidhya Athanoor Lakshmi Narayanan, Singapore (SG)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on Aug. 23, 2023, as Appl. No. 18/454,403.
Application 18/454,403 is a continuation of application No. 18/084,663, filed on Dec. 20, 2022, granted, now 11,769,169.
Application 18/084,663 is a continuation of application No. 17/698,296, filed on Mar. 18, 2022, granted, now 11,562,391, issued on Jan. 24, 2023.
Application 17/698,296 is a continuation of application No. 16/375,247, filed on Apr. 4, 2019, granted, now 11,328,316, issued on May 10, 2022.
Prior Publication US 2023/0394520 A1, Dec. 7, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 30/00 (2023.01); G06Q 20/36 (2012.01); G06Q 30/0226 (2023.01)

CPC G06Q 30/0233 (2013.01) [G06Q 20/36 (2013.01)]

20 Claims

1. A computer-implemented method, comprising:

determining a rewards amount associated with a virtual payment device by communicating between a user device of a user and a rewards management system comprising a transaction service provider system of a transaction service provider and an issuer reward system of an issuer and not comprising a merchant system of a merchant with which payment transactions may be initiated using the virtual payment device, wherein the user device comprises an electronic wallet application storing a token associated with the virtual payment device of the user issued to the user by the issuer of an issuer system, the token corresponding to but different from an account identifier of the virtual payment device provided by the issuer, wherein determining the rewards amount associated with the virtual payment device comprises:

receiving, by the transaction service provider system, a first rewards inquiry from the electronic wallet application of the user device, the first rewards inquiry comprising the token;

retrieving, by the transaction service provider system, the account identifier corresponding to the token from a tokenization system based on the first rewards inquiry;

transmitting, by the transaction service provider system, a second rewards inquiry to the issuer reward system, the second rewards inquiry comprising the account identifier;

receiving, by the transaction service provider system, a rewards inquiry response containing a rewards amount associated with the virtual payment device from the issuer reward system; and

transmitting, by the transaction service provider system, at least a portion of the rewards inquiry response to the user device to cause the rewards amount associated with the virtual payment device to be displayed in the electronic wallet application; and

redeeming a reward amount regardless of the merchant system by communicating between the user device and the rewards management system, wherein redeeming the reward amount comprises:

during processing of a payment transaction, receiving, by the transaction service provider system and from the electronic wallet application of the user device, a redemption request specifying a portion of the rewards amount to be applied to the payment transaction, the payment transaction processed between the user device and an electronic payment processing network separate from the rewards management system, the electronic payment processing network comprises the merchant system, the transaction service provider system, and the issuer system; and

transmitting, by the transaction service provider system, at least a portion of the redemption request to the issuer system to apply the portion of the rewards amount to the payment transaction.