Abstract: A computer-implemented method including maintaining information about digital assets in relation to a first wallet account; generating, using a machine learning model, a reward configuration to be associated with a user account, the model trained based at least in part on transaction activity associated with the user account; processing a payment for a point-of-sale (POS) transaction using a payment instrument associated with the user account; determining, based on an amount of the payment and the reward configuration, an amount of the digital assets to be distributed to the user account wherein the amount of the digital assets is based on a value of the digital assets at a time of the POS transaction; and updating, after the POS transaction, an internal ledger maintained by the payment service and associated with the first wallet account to assign the digital assets to a second wallet account associated with the user account.

Abstract: In some examples, a graphical user interface (GUI) presented via a mobile application includes a first user interface element representative of a payment instrument of a user, and one or more second user interface elements. Each second user interface element is representative of a respective reward offer associated with a respective merchant, and the respective reward offer is selectable via interaction with the corresponding second user interface element. The second user interface elements are presented in a scrollable carousel that is presented separately from, and proximate to, the first user interface element. Based at least on receiving, via the GUI, a selection of one of the second user interface elements, a corresponding respective reward offer from a respective merchant is associated with the payment instrument of the user, and the corresponding respective reward offer is redeemable in association with a transaction involving the payment instrument and the respective merchant.

Abstract: A computer-implemented method including storing assets from an external entity in a first wallet of a payment service; training a machine-learning model using transaction data, user data, and/or rewards data; determining, using the machine-learning model, reward offers personalized for a user; activating a reward offer; receiving a request to process payment for a user's payment transaction; determining that a reward configuration is applicable; determining an amount of stored assets to assign to the user and assigning the assets to a second wallet of the user, wherein assigning the amount comprises: updating, using an internal ledger, the first wallet to indicate that a portion of the stored assets is owned by the user; and updating the second wallet to indicate ownership of the amount of the asset, wherein the updating of the first wallet and the second wallet is performed without accessing the external entity when updating.

Abstract: The present technology reduces external communication, server demand, network congestion, and processing power in facilitating the transfer of stored values. The technology as disclosed herein provides for users to transmit a stored value therebetween, allowing recipients to select how they would like to receive the stored value by means of one or more digital assets or other alternate values. The technology provides for a first user to transmit a stored value to one or more recipients. Upon receiving a selection as to how the recipients would like to receive the stored value, the present technology converts from the stored value as sent by the first user to the one or more alternate values as indicated by the recipients.

Abstract: A computer-implemented method associated with a payment service provided by a payment server, comprising processing, by the payment server, a payment for a point-of-sale (POS) transaction using a payment instrument associated with a user account maintained in a data store of the payment server. The payment server determines a reward configuration stored in the user account, wherein the reward configuration includes settings to reward the user account with cryptocurrency assets and is based on historical transaction activity associated with the user account. The payment server calculates an amount of cryptocurrency assets according to the reward configuration, wherein the amount of the cryptocurrency assets is based on a value of the cryptocurrency at a time of the transaction. The payment server assigns the amount of cryptocurrency assets from a cryptocurrency wallet of the payment service to a cryptocurrency wallet of the user.

Abstract: In one embodiment, a method includes identifying an equity reward offer to be provided to a user, wherein the equity reward offer corresponds to an amount of equity associated a merchant, and redemption of the equity reward offer causes the corresponding amount of equity to be added to an equity account of the user, updating a redemption status of the equity reward offer based on activity of the specified user on the payment service and a pre-condition of the equity reward offer, such as a purchase associated with the merchant, and upon determining that the pre-condition has been satisfied, sending, to the client device associated with the specified user, instructions to display a notification message indicating that the equity reward offer can be redeemed using the payment account of the user to cause the associated amount of equity to be added to the equity account of the user.

Abstract: 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.

Abstract: An example computer-implemented method includes: receiving assets from an external entity for use with a payment service; receiving a request to process payment for a transaction associated with a user; determining that a reward configuration is associated with a user account of the user; determining, based on a characteristic of the transaction and the reward configuration, an amount of the assets to assign to the user in association with the transaction; and assigning the amount of the assets to a wallet of the user, wherein assigning the amount of the assets includes: updating, using an internal ledger, a wallet of the payment service to indicate that the amount of the assets is owned by the user; and updating the wallet of the user to indicate ownership of the amount of the assets, without accessing the external entity at the time of the updating.

Abstract: A computer-implemented method associated with a payment service provided by a payment server, comprising processing, by the payment server, a payment for a point-of-sale (POS) transaction using a payment instrument associated with a user account maintained in a data store of the payment server. The payment server determines a reward configuration stored in the user account, wherein the reward configuration includes settings to reward the user account with cryptocurrency assets and is based on historical transaction activity associated with the user account. The payment server calculates an amount of cryptocurrency assets according to the reward configuration, wherein the amount of the cryptocurrency assets is based on a value of the cryptocurrency at a time of the transaction. The payment server assigns the amount of cryptocurrency assets from a cryptocurrency wallet of the payment service to a cryptocurrency wallet of the user.

Abstract: In one embodiment, a method includes, by one or more computing devices associated with a payment service, receiving, by the payment service and from a first client device associated with a sender, a request for a digital gift to be added to a payment account of a recipient, identifying, one or more recommended digital gifts for the recipient based on transaction history of the recipient on the payment service, where the one or more digital gifts are identified using a machine-learning model trained using a transaction history of one or more users of the payment service, providing, in response to receiving a selection of one of the recommended digital gifts from the first client device, and sending, by the payment service to a second client device associated with the recipient, a notification that the sender has provided the recipient with the identified digital gift.

Abstract: The present technology reduces external communication, server demand, network congestion, and processing power in facilitating the transfer of stored values. The technology as disclosed herein provides for users to transmit a stored value therebetween, allowing recipients to select how they would like to receive the stored value by means of one or more digital assets or other alternate values. The technology provides for a first user to transmit a stored value to one or more recipients. Upon receiving a selection as to how the recipients would like to receive the stored value, the present technology converts from the stored value as sent by the first user to the one or more alternate values as indicated by the recipients.