# US 2021/0279764 A1 · System, method and computer-accessible medium for authentication of rewards information > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2021/0279764 A1 - Document ID: US20210279764A1 - Status: Published application - Kind: A1 - Application number: 16/811,111 - Filed: 2020-03-06 - Published: 2021-09-09 - Earliest claimed: 2020-03-06 - Assignees: Capital One Services, LLC - Applicants: Capital One Services, LLC - Inventors: Kate KEY; Kenneth TAYLOR; Mark WATSON; Jeremy GOODSITT; Vincent PHAM; Anh TRUONG; Austin WALTERS; Fardin Abdi Taghi ABAD - Web page: https://patentgrep.com/patent/US20210279764A1 ## CPC - G06Q 30/0226: Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems - G06Q 30/0233: {Method of redeeming a frequent usage reward} - G06Q 20/4018: {using the card verification value [CVV] associated with the card} - G06Q 30/0215: {Including financial accounts} - G06Q 30/0227: {Frequent usage incentive value reconciliation between diverse systems} - G06Q 30/0229: {Multi-merchant loyalty card systems} - G06Q 30/0234: Rebates after completed purchase - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract An exemplary system, method and computer-accessible medium can include receiving information regarding a purchase by a person, receiving financial account information regarding a financial account associated with the person that was used to fund the purchase, generating rewards information associated with the purchase, generating an authentication token(s) based on the financial account information, sending the rewards information and the authentication token(s) over a network, and receiving a confirmation, over the network, that a rewards account associated with the person has been updated. ## Claims ### Claim 1 A non-transitory computer-accessible medium having stored thereon computer-executable instructions, wherein, when a computer arrangement executes the instructions, the computer arrangement is configured to perform procedures comprising: receiving purchase information regarding a purchase by a person, wherein the purchase information includes (i) an amount of the purchase and (ii) a financial account associated with the person that is used to fund the purchase, and wherein the financial account is located at a first financial institution; generating rewards information associated with the purchase; generating at least one authentication token based on the financial account; sending, over a network to a second financial institution, the rewards information and the at least one authentication token, wherein the second financial institution is different from the first financial institution; and receiving a confirmation, over the network, that a rewards account associated with the person has been updated by the second financial institution based on the rewards information and the at least one authentication token, wherein the computer arrangement comprises a display arrangement, and the computer arrangement generates a display screen, on the display arrangement, including further rewards information related to the rewards account and at least one further rewards account, wherein the further rewards information includes a number of reward points associated with the rewards account. ### Claim 2 (depends on 1) The computer-accessible medium of claim 1, wherein the financial account is a credit card number. ### Claim 3 (depends on 1) The computer-accessible medium of claim 1, wherein the computer arrangement is further configured to: receive the rewards information and the at least one authentication token; verify an identity of the person based on the at least one authentication token; and modify the rewards account based on the verification. ### Claim 4 (depends on 1) The computer-accessible medium of claim 1, wherein the computer arrangement is further configured to: open the rewards account; and associate the rewards account with the person based on the financial account or a further financial account. ### Claim 5 (depends on 1) The computer-accessible medium of claim 1, wherein the computer arrangement is further configured to: receive a rewards inquiry from the person, and provide at least one of (i) a number of remaining points in the rewards account to the person or (ii) a rewards activity for the awards account to the person. ### Claim 6 (depends on 1) The computer-accessible medium of claim 1, wherein the rewards information includes a number of reward points based on the purchase. ### Claim 7 (canceled) ### Claim 8 A non-transitory computer-accessible medium having stored thereon computer-executable instructions for issuing or deducting rewards, wherein, when a computer arrangement executes the instructions, the computer arrangement is configured to perform procedures comprising: receiving, at a first entity, rewards information regarding a number of the rewards to issue or deduct from a rewards account associated with a person; receiving, at the first entity, financial account information associated with the person, wherein the financial account information is associated with a financial account located at a second entity, and wherein the second entity is different from the first entity; verifying an identity of the person based on the financial account information; and issuing or deducting the rewards based on the verification, wherein the computer arrangement comprises a display arrangement, and the computer arrangement generates a display screen, on the display arrangement, including further rewards information related to the rewards account and at least one further rewards account, wherein the further rewards information includes a number of reward points associated with the rewards account. ### Claim 9 (depends on 8) The computer-accessible medium of claim 8, wherein the financial account information is a credit card number. ### Claim 10 (depends on 8) The computer-accessible medium of claim 8, wherein the rewards information is based on a purchase by the person using the financial account information. ### Claim 11 (depends on 8) The computer-accessible medium of claim 8, wherein the rewards information is based on a redemption of the rewards. ### Claim 12 A non-transitory computer-accessible medium having stored thereon computer-executable instructions, wherein, when a computer arrangement executes the instructions, the computer arrangement is configured to perform procedures comprising: receiving financial account information, wherein the financial account information is associated with a financial account located at a first entity; verifying that the financial account information is associated with at least one user; receiving a rewards account from the at least one user, wherein the rewards account is located at a second entity, and wherein the second entity is different from the first entity; and linking the rewards account to the financial account information, wherein the computer arrangement comprises a display arrangement, and the computer arrangement generates a display screen, on the display arrangement, including rewards information related to the rewards account and at least one further rewards account, wherein the rewards information includes a number of reward points associated with the rewards account. ### Claim 13 (depends on 12) The computer-accessible medium of claim 12, wherein the financial account information is a credit card number. ### Claim 14 (depends on 13) The computer-accessible medium of claim 13, wherein the computer arrangement is configured to verify the financial account information by: initiating a charge using the credit card number; and receiving an amount of the charge from the at least one user. ### Claim 15 (depends on 12) The computer-accessible medium of claim 12, wherein the computer arrangement is further configured to: receive further financial account information from the at least one user, wherein the further financial account information is associated with a financial account located at a third entity; verify that the further financial account information is associated with the at least one user; and link the further financial account information to the rewards account. ### Claim 16 (depends on 15) The computer-accessible medium of claim 15, wherein the financial account information is a first financial account located at a first financial institution and the further financial account information is a second financial account located at a second financial institution, and wherein the first financial institution is different from the second financial institution. ### Claim 17 (depends on 12) The computer-accessible medium of claim 12, wherein the computer arrangement is further configured to: receive a further rewards account associated with the at least one user; and link the further rewards account to the financial information. ### Claim 18 (depends on 12) The computer-accessible medium of claim 12, wherein the computer arrangement is further configured to: receive purchase information regarding a purchase at a store associated with the rewards account; and modify a number of rewards in the rewards account based on the purchase. ### Claim 19 (depends on 12) The computer-accessible medium of claim 12, wherein the financial account information is associated with a financial institution and the rewards account is associated with a store. ### Claim 20 (depends on 12) The computer-accessible medium of claim 12, wherein the computer arrangement is further configured to receive rewards redemption information associated with the rewards account and deduct a number of rewards from the rewards account based on the rewards redemption information.