Abstract: Provided is a mobile application and system which can provide rewards to a user based on purchases of various brands, companies, and the like, in a non-intrusive manner. In one example, the method may include storing user verification credentials in a database, receiving an input value via a mobile application installed on a user device and transmitted to a host platform that hosts the mobile application, calling a verification service based on the stored user verification credentials, via an application programming interface (API), which verifies a payment account of the user can cover the input value, and in response to receiving verification from the verification service, fetching a pre-loaded token from a token service based on the input value and transmitting the pre-loaded token to the mobile application installed on the user device.