Abstract: A computer system includes a processor coupled to machine-readable storage media. The processor is configured to receive a request from a mobile device of a user to initiate a transaction at a point of sale location between the user and a merchant, receive a user selection of a selectable payment option for the transaction, wherein the selectable payment option includes a user rewards redemption, apply a merchant offer to the transaction, generate a code that is displayable on the mobile device, including embedding in the code one or more details related to the transaction, send the code to one of the user at the mobile device or the merchant at a merchant point of sale device for the other of the user or the merchant to scan at the point of sale location, receive the code, and update a user rewards account associated with the user based on the transaction.