Accessing and utilizing multiple loyalty point accounts

A non-transitory computer-readable storage medium, the computer-readable storage medium including instructions that when executed by a processor, cause the processor to:

• receive, by an application executing on the processor, a request to redeem at least one loyalty point of a plurality of loyalty points of a loyalty points account;
• receive, by the application, a cryptogram from a contactless card associated with an account;
• transmit, by the application to a server, the cryptogram;
• determine, by the application based on a decryption result received from the server, that the server decrypted the cryptogram;
• and
• authorize, by the application based on the determination that the server decrypted the cryptogram, the request to redeem the at least one loyalty point.

A computing apparatus comprising:

• a processor;
• and
• a memory storing instructions that, when executed by the processor, configure the apparatus to:
• receive, by an application executing on the processor, a request to redeem at least one loyalty point of a plurality of loyalty points of a loyalty points account;
• receive, by the application, a cryptogram from a contactless card associated with an account;
• transmit, by the application to a server, the cryptogram;
• determine, by the application based on a decryption result received from the server, that the server decrypted the cryptogram;
• and
• authorize, by the application based on the determination that the server decrypted the cryptogram, the request to redeem the at least one loyalty point.