US 12,147,990 B2
Accessing and utilizing multiple loyalty point accounts
Kevin Osborn, Newton, MA (US); Srinivasa Chigurupati, Long Grove, IL (US); and Jeffrey Rule, Chevy Chase, MD (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Jun. 23, 2023, as Appl. No. 18/213,433.
Application 18/213,433 is a continuation of application No. 18/106,642, filed on Feb. 7, 2023, granted, now 11,734,695.
Application 18/106,642 is a continuation of application No. 17/132,497, filed on Dec. 23, 2020, granted, now 11,605,091, issued on Mar. 14, 2023.
Application 17/132,497 is a continuation of application No. 16/727,294, filed on Dec. 26, 2019, granted, now 10,909,544, issued on Feb. 2, 2021.
Prior Publication US 2023/0334503 A1, Oct. 19, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/32 (2012.01); G06Q 20/34 (2012.01); G06Q 20/38 (2012.01); G06Q 30/0226 (2023.01)
CPC G06Q 20/40975 (2013.01) [G06Q 20/3278 (2013.01); G06Q 20/341 (2013.01); G06Q 20/352 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/40 (2013.01); G06Q 30/0233 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method, comprising:
receiving, by a point-of-sale (POS) terminal, a first request to access a loyalty points account comprising a plurality of loyalty points;
receiving, by the POS terminal, encrypted data from a contactless card;
transmitting, by the POS terminal to a server, the encrypted data;
receiving, by the POS terminal and from the server, a decryption result;
determining, by the POS terminal based on the decryption result, that the server decrypted the encrypted data;
authorizing, by the POS terminal based on the determination that the server decrypted the encrypted data, the first request;
displaying, by the POS terminal based on the authorization of the first request, an indication of the plurality of loyalty points on a display of the POS terminal;
receiving, by the POS terminal, a redemption request to redeem one or more of the plurality of loyalty points for a transaction; and
authorizing, by the POS terminal, the redemption request based on the determination that the server decrypted the encrypted data.