US Patent 10885541 Payment using rewards points

A method of payment using rewards points includes receiving authentication data and a payment amount from a customer's mobile device, determining an amount of rewards points available to fund the payment amount in a rewards account associated with the customer, and sending selectable payment options to the mobile device. The selectable payment options include an option to redeem a portion of the rewards points amount to fund a portion of the payment amount. The method also includes receiving a customer selection of at least one of the selectable payment options from the mobile device and sending a form of payment for the payment amount from the account management system at the mobile device. The form of payment is configured for presentation to a point of sale device.