Systems and methods to redeem loyalty rewards during payment transactions

A non-transitory computer-storage medium storing instructions configured to instruct a computing apparatus to at least:

• store a user profile in the computing apparatus, the user profile identifying a plurality of loyalty programs, and preferences and rules for redeeming loyalty currencies of a user from the loyalty programs;
• associate, in the computing apparatus, the user profile with a payment account of the user;
• receive, in the computing apparatus, an authorization request for a payment transaction in the payment account;
• in response to the authorization request, determine, by the computing apparatus, redemption of loyalty currencies from the loyalty programs in accordance with the preferences and rules identified in the user profile;
• and
• adjust, by the computing apparatus, the payment transaction in the payment account in accordance with the redemption of the loyalty currencies from the loyalty programs.

A computing apparatus, comprising:

• at least one microprocessor;
• and
• memory storing instructions configured to instruct the at least one microprocessor to at least:
• store a user profile in the computing apparatus, the user profile identifying a plurality of loyalty programs, and preferences and rules for redeeming loyalty currencies of a user from the loyalty programs;
• associate, in the computing apparatus, the user profile with a payment account of the user;
• receive, in the computing apparatus, an authorization request for a payment transaction in the payment account;
• in response to the authorization request, determine, by the computing apparatus, redemption of loyalty currencies from the loyalty programs in accordance with the preferences and rules identified in the user profile;
• and
• adjust, by the computing apparatus, the payment transaction in the payment account in accordance with the redemption of the loyalty currencies from the loyalty programs.