Systems and methods for electronic payment using loyalty rewards

Abstract

A system for using loyalty rewards accounts in a digital wallet may generate a mapping comprising an account mapped to a wallet token number and an indicator with the mapping stored in a database on a network of servers. The indicator may indicate an account type, and the wallet token number may be transmitted to a user device. The system may also receive a transaction request including a received wallet token number and a received indicator. The indicator may be matched to the received indicator to determine the received wallet token number is associated with the account type (e.g., a loyalty rewards account). The system may route the transaction request to a loyalty settlement process in response to the account type being a loyalty rewards account.

What is claimed is: 
     
         1 . A method comprising:
 generating, by a network of servers, a mapping comprising an account mapped to a wallet token number and an indicator with the mapping stored in a database on the network of servers, wherein the indicator indicates an account type, wherein the wallet token number is transmitted to a user device;   receiving, by the network of servers, a transaction request including a received wallet token number and a received indicator;   matching, by the network of servers, the indicator to the received indicator to determine the received wallet token number is associated with the account type; and   routing, by the network of servers, the transaction request to a loyalty settlement process in response to the account type being a loyalty rewards account.   
     
     
         2 . The method of  claim 1 , wherein the mapping comprises an alias associated with the account and the wallet token number. 
     
     
         3 . The method of  claim 2 , wherein the alias has a structure of an account number. 
     
     
         4 . The method of  claim 2 , wherein the mapping further comprises a funding source associated with the alias. 
     
     
         5 . The method of  claim 1 , further comprising routing, by the network of servers, the transaction request to a standard settlement process in response to the loyalty rewards account having insufficient points to complete the transaction request. 
     
     
         6 . The method of  claim 1 , further comprising routing, by the network of servers, the transaction request to a standard settlement process in response to the loyalty rewards account having sufficient points to partially complete the transaction request. 
     
     
         7 . The method of  claim 1 , further comprising pushing, by the network of servers, an update to a digital wallet running on the user device in response to a change in the loyalty rewards account. 
     
     
         8 . A computer-based system, comprising:
 an issuer server comprising a processor;   a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the issuer server to perform operations comprising:   generating, by the issuer server, a mapping comprising an account mapped to a wallet token number and an indicator with the mapping stored in a database on the issuer server, wherein the indicator indicates an account type, wherein the wallet token number is transmitted to a user device;   receiving, by the issuer server, a transaction request including a received wallet token number and a received indicator;   matching, by the issuer server, the indicator to the received indicator to determine the received wallet token number is associated with the account type; and   routing, by the issuer server, the transaction request to a loyalty settlement process in response to the account type being a loyalty rewards account.   
     
     
         9 . The computer-based system of  claim 8 , wherein the mapping comprises an alias associated with the account and the wallet token number. 
     
     
         10 . The computer-based system of  claim 9 , wherein the alias has a structure of an account number. 
     
     
         11 . The computer-based system of  claim 9 , wherein the mapping further comprises a funding source associated with the alias. 
     
     
         12 . The computer-based system of  claim 8 , further comprising routing, by the issuer server, the transaction request to a standard settlement process in response to the loyalty rewards account having insufficient points to complete the transaction request. 
     
     
         13 . The computer-based system of  claim 8 , further comprising routing, by the issuer server, the transaction request to a standard settlement process in response to the loyalty rewards account having sufficient points to partially complete the transaction request. 
     
     
         14 . The computer-based system of  claim 8 , further comprising pushing, by the issuer server, an update to a digital wallet running on the user device in response to a change in the loyalty rewards account. 
     
     
         15 . An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer-based system, cause an issuer server to perform operations comprising:
 generating, by the issuer server, a mapping comprising an account mapped to a wallet token number and an indicator with the mapping stored in a database on the issuer server, wherein the indicator indicates an account type, wherein the wallet token number is transmitted to a user device;   receiving, by the issuer server, a transaction request including a received wallet token number and a received indicator;   matching, by the issuer server, the indicator to the received indicator to determine the received wallet token number is associated with the account type; and   routing, by the issuer server, the transaction request to a loyalty settlement process in response to the account type being a loyalty rewards account.   
     
     
         16 . The article of  claim 15 , wherein the mapping comprises an alias associated with the account and the wallet token number. 
     
     
         17 . The article of  claim 16 , wherein the alias has a structure of an account number. 
     
     
         18 . The article of  claim 16 , wherein the mapping further comprises a funding source associated with the alias. 
     
     
         19 . The article of  claim 15 , further comprising routing, by the issuer server, the transaction request to a standard settlement process in response to the loyalty rewards account having insufficient points to complete the transaction request. 
     
     
         20 . The article of  claim 15 , further comprising pushing, by the issuer server, an update to a digital wallet running on the user device in response to a change in the loyalty rewards account.