Qualcomm Incorporated

Aidoo Osei

Kyle Leighton Cochran

Eric Kraar

Robert L Dessert

Ben D Ackerman

Steven M Smith

Lindsey K Dorman

Frank T Young

Gwenael B Delaine

A method for determining an appropriate redemption presentation for a virtual token associated with a stored value account is disclosed. The method may include receiving a request for presenting a redemption presentation of a virtual token and obtaining a merchant identifier associated with the request. The method may further include determining if the request is for one of an on-line transaction and a transaction with a point-of-sale terminal, and if the request is for a transaction with a point-of-sale terminal, then searching a database using the merchant identifier to find one or more redemption presentations of virtual token preferred by a merchant. Subsequently, the one or more redemption presentations of the virtual token may be transmitted over a computer network to a client device.

System and method for determining appropriate redemption presentations for a virtual token associated with a stored value account

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Atlanta, GA, United States of America

Aidoo Osei