US Patent 11488195 Reward offer redemption for payment cards

In one embodiment, a method includes receiving information about a payment from a user to a merchant using a payment account issued to the user by a payment service, the payment account being linked to one or more reward offers. Each reward offer is redeemable upon satisfaction of one or more criteria. The method also includes determining that each criterion associated with a reward offer linked to the payment account has been satisfied, redeeming the reward offer to reduce a value associated with the payment, and sending, to an application installed on a client device associated with the user, a user interface indicating that the reward offer has been redeemed in association with the payment.