Electronic reward offer management

A system comprising:

• one or more processors associated with a payment service and configured by executable instruction to perform operations that include:
• selecting, from a plurality of available reward offers, personalized reward offers that are personalized for a user of the payment service, wherein the personalized reward offers are selected by a machine-learning model that is trained to analyze first information about the user including historical information associated with use by the user of an application associated with the payment service on a client device of the user;
• sending, to the client device, instructions to cause the application associated with the payment service to present on a display of the client device a user interface that presents:
• a representation of a payment instrument associated with a payment account of the user maintained by the payment service;
• and
• representations of the personalized reward offers, wherein the representations of the personalized reward offers are presented as a plurality of interactive user interface elements in a stack, respectively, that are selectable, via user interaction, to be associated with the payment account of the user, wherein the representations of the personalized reward offers presented as the plurality of interactive user interface elements in the stack are scrollable in at least one of a first direction or a second direction with respect to the representation of the payment instrument, and the plurality of interactive user interface elements presented in the stack are presented separately from, and concurrently with, the representation of the payment instrument;
• receiving, from the client device, an indication of a user input that associates at least one personalized reward offer with the payment account of the user;
• responsive to receiving the indication of the user input, connecting the at least one personalized reward offer with the payment instrument by adding, to one or more data stores, second information associated with a connection between the payment instrument and the at least one personalized reward offer;
• in connection with processing transactions which use the payment instrument, analyzing third information about the transactions to identify a transaction using the payment instrument that satisfies a condition for providing the at least one personalized reward offer to the user and redeems the at least one personalized reward offer for the user;
• and
• redeeming, automatically, the at least one personalized reward offer based at least on identifying the transaction using the payment instrument that satisfies the condition and redeems the at least one personalized reward offer for the user.

One or more non-transitory computer-readable media storing instructions executable by one or more processors of a payment service to cause the one or more processors to perform operations comprising:

• selecting, by one or more computing devices associated with the payment service, from a plurality of available reward offers, personalized reward offers that are personalized for a user of the payment service, wherein the personalized reward offers are selected by a machine-learning model that is trained to analyze first information about the user including historical information associated with use by the user of an application associated with the payment service on a user client device of the user;
• sending, to the client device, instructions to cause the application associated with the payment service to present a user interface that presents:
• a representation of a payment instrument associated with a payment account of the user maintained by the payment service;
• and
• representations of the personalized reward offers, wherein the representations of the personalized reward offers are presented as a plurality of interactive user interface elements in a stack, respectively, that are selectable, via user interaction, to be associated with the payment account of the user, wherein the representations of the personalized reward offers presented as the plurality of interactive user interface elements in the stack are scrollable in at least one of a first direction or a second direction with respect to the representation of the payment instrument, and the plurality of interactive user interface elements presented in the stack are presented separately from, and concurrently with, the representation of the payment instrument;
• receiving, from the client device, an indication of a user input that associates at least one personalized reward offer with the payment account of the user;
• responsive to receiving the indication of the user input, connecting the at least one personalized reward offer with the payment instrument by adding, to one or more data stores, second information associated with a connection between the payment instrument and the at least one personalized reward offer;
• in connection with processing transactions which use the payment instrument, analyzing third information about the transactions to identify a transaction using the payment instrument that satisfies a condition for providing the at least one personalized reward offer to the user and redeems the at least one personalized reward offer for the user;
• and
• redeeming, automatically, the at least one personalized reward offer based at least on identifying the transaction using the payment instrument that satisfies the condition and redeems the at least one personalized reward offer for the user.