Samsung patents system to split payments using rewards points
This patent describes a method for processing transactions where a user pays part of the bill with cash or credit and the rest with rewards points. The system checks the user's rewards balance, applies the points according to specific rules, and updates the payment app to show the final cost.
In the filing’s own words
In one embodiment, a method includes receiving at a server computing device of an institution network via the institution network a first notification comprising token-based interaction requests for a user interaction with an entity and a second notification indicating an authorization of a non-token based interaction request of the user interaction by a communication network, wherein the entity and the communication network are each separate from the institution network, sending a third notification identifying the user interaction, a client computing device or a user, and the token-based interaction requests by the server computing device to an institution, receiving a fourth notification authorizing the token-based interaction requests at the server computing device and from the institution via the institution network, and sending a fifth notification to the client computing device updating that the token-based interaction requests having been applied to the user interaction by the server computing device.
What exactly they claim (claim 1)
1. A method comprising: receiving, at a server computing device of a rewards network, a request by a user to initiate a transaction associated with a merchant via a payment application on a client computing device associated with the user, wherein the request comprises a request to use a rewards-based payment associated with a rewards provider to offset non-rewards payment for the transaction; upon determining a match between the rewards-based payment and a rewards account of the user by accessing records of the rewards provider and comparing the rewards-based payment with the records, presenting an option of the rewards-based payment and rewards balance associated with the rewards provider via the payment application; upon receiving a user selection of the rewards-based payment, accessing one or more rules for using rewards-based payments associated with the rewards provider; receiving a first notification indicating an authorization of a non-rewards payment of the transaction by a payment network, and wherein the merchant and the payment network are each separate from the rewards network; sending, by the server computing device of the rewards network, a second notification to the rewards provider, wherein the second notification identifies at least: the transaction; the client computing device or the user; the rewards-based payment request; and the one or more rules; receiving, at the server computing device of the rewards network and from the rewards provider via the rewards network, an indication of rewards having been applied to offset the non-rewards payment using the one or more rules; and presenting, via the payment application, an updated rewards balance after the rewards having been applied to offset the non-rewards payment.
Facts
- Company
- Samsung (Samsung Electronics Company, Ltd.)
- Official title
- Rewards-based payments
- Patent number
- US12737754B2
- Application number
- 18919073
- Filed
- Oct 17, 2024
- Granted
- Sep 15, 2026
- Inventors
- 3
- Claims
- 18
Classified under
G06Q 20/387 Physics & computingG06Q 20/363 Physics & computingG06Q 20/40 Physics & computingG06Q 30/0222 Physics & computingG06Q 30/0231 Physics & computingG06Q 30/0233 Physics & computingMore from Samsung in Shopping & delivery
Summaries are simplified from the filing’s own abstract and first claim. A patent filing is not a product announcement.
Patent data and drawings: U.S. Patent and Trademark Office (USPTO). Nebula is not affiliated with or endorsed by the USPTO.