Payment using rewards points

A user device, comprising:

• at least one memory and at least one processor, the at least one processor structured to execute instructions stored in the at least one memory that, when executed, cause operations comprising:
• receiving a first wireless communication from a point-of-sale device, the first wireless communication including a payment amount for a transaction;
• in response to receiving the first wireless communication from the point-of-sale device, prompting a customer to tap an authentication device to the user device;
• detecting the authentication device being tapped to the user device based on a second wireless communication between the user device and the authentication device, the authentication device retrievably storing authentication data associated with an account of the customer;
• in response to detecting the authentication device, retrieving the authentication data from the authentication device via the second wireless communication;
• populating a graphical user interface using the payment amount received from the point-of-sale device via the first wireless communication and the authentication data retrieved from the authentication device via the second wireless communication;
• sending the payment amount received from the point-of-sale device and the authentication data retrieved from the authentication device to an account management system;
• receiving a payment option for the transaction based on the customer being authenticated using the authentication data;
• and
• transmitting the payment option to a merchant computing system to perform the transaction.

One or more non-transitory computer-readable media comprising instructions stored thereon that, when executed by one or more processors, cause the one or more processors to perform operations comprising:

• receiving a first wireless communication from a point-of-sale device, the first wireless communication including a payment amount for a transaction;
• in response to receiving the first wireless communication from the point-of-sale device, prompting a customer to tap an authentication device to a user device;
• detecting the authentication device being tapped to the user device based on a second wireless communication between the user device of the customer and the authentication device, the authentication device retrievably storing authentication data associated with an account of the customer;
• in response to detecting the authentication device, retrieving the authentication data from the authentication device via the second wireless communication;
• populating a graphical user interface displayed to the customer using the payment amount received from the point-of-sale device via the first wireless communication and the authentication data retrieved from the authentication device via the second wireless communication;
• sending the payment amount received from the point-of-sale device and the authentication data retrieved from the authentication device to an account management system;
• receiving a payment option for the transaction based on the customer being authenticated using the authentication data;
• and
• transmitting the payment option to a merchant computing system to perform the transaction.