Graphical user interface enabling dynamic reward interaction

A graphical user interface (GUI) presented via a mobile application, the GUI comprising:

• a representation of a virtual payment card as a first user interface (UI) element representative of a payment instrument of a user;
• and
• a plurality of second UI elements, wherein each of the second UI elements represents a respective reward offer associated with a respective merchant, wherein each of the second UI elements presents, on a face thereof, summarized information related to the respective reward offer, and wherein the respective reward offer is selectable via user interaction with the second UI element in relation to the representation of the virtual payment card,
• wherein the plurality of second UI elements are presented in a scrollable carousel in which the plurality of second UI elements are scrollable laterally with respect to the representation of the virtual payment card in at least one of a first lateral direction or a second lateral direction while the representation of the virtual payment card is presented in the GUI concurrently with the scrollable carousel,
• wherein the scrollable carousel is presented separately from, and concurrently with, the representation of the virtual payment card, and the second UI elements are scrollable to each be individually proximate to and in greater alignment with the representation of the virtual payment card than other ones of the second UI elements in the scrollable carousel, enabling dynamic selection of at least one of the second UI elements from the scrollable carousel for association with the payment instrument corresponding to the concurrently presented representation of the virtual payment card,
• wherein, based at least on receiving, via the GUI, an indication of selection from the scrollable carousel of a second UI element of the plurality of second UI elements, a processor associates a corresponding respective reward offer from a respective merchant with the payment instrument of the user, and
• wherein the processor automatically redeems the corresponding respective reward offer based at least on receiving an indication of use of the payment instrument in association with a transaction with the respective merchant corresponding to the selected second UI element.

A non-transitory computer-readable medium storing instructions of an application executable by one or more processors to cause the one or more processors to perform operations comprising:

• presenting, on a display associated with the one or more processors, and in a graphical user interface (GUI), a representation of a virtual payment card as a first user interface (UI) element representative of a payment instrument of a user;
• presenting, on the display and in the GUI, a plurality of second UI elements, wherein each of the second UI elements represents a respective reward offer associated with a respective merchant, wherein each of the second UI elements presents, on a face thereof, summarized information related to the respective reward offer, and wherein the respective reward offer is selectable via user interaction with the second UI element in relation to the representation of the virtual payment card,
• wherein the plurality of second UI elements are presented in a scrollable carousel in which the plurality of second UI elements are scrollable laterally with respect to the representation of the virtual payment card in at least one of a first lateral direction or a second lateral direction while the representation of the virtual payment card is presented in the GUI concurrently with the scrollable carousel,
• wherein the scrollable carousel is presented separately from, and concurrently with, the representation of the virtual payment card, and the second UI elements are scrollable to each be individually proximate to and in greater alignment with the representation of the virtual payment card than other ones of the second UI elements in the scrollable carousel, enabling dynamic selection of at least one of the second UI elements from the scrollable carousel for association with the payment instrument corresponding to the concurrently presented representation of the virtual payment card;
• based at least on receiving, via the GUI, an indication of selection from the scrollable carousel of a second UI element of the plurality of second UI elements, associating, by the one or more processors, a corresponding respective reward offer from a respective merchant with the payment instrument of the user;
• and
• automatically redeeming the corresponding respective reward offer based at least on receiving an indication of use of the payment instrument in association with a transaction with the respective merchant corresponding to the selected second UI element.