Importance

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Abstract

Systems, methods, apparatus, means and computer program code for points redemption are provided, including receiving, from a point of interaction, an authorization request message identifying a requested purchase transaction, the authorization request message including data identifying a payment account identifier, a purchase amount, and a request from a customer to redeem reward points for at least a portion of the purchase amount; determining that the customer has sufficient reward points for the at least a portion of the purchase amount; calculating an updated purchase amount reduced by at least a portion of the purchase amount; and transmitting an authorization response message including the updated purchase amount to the point of transaction to complete the purchase transaction.

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First Claim