Methods and Systems for Generating Dynamic Reward Currency Values

Abstract

Systems and methods are disclosed for generating payment values of goods and services (rewards). The disclosed systems and methods may include receiving an input Furthermore, the disclosed systems and methods may include dynamic calculating, based upon the received input, a plurality of payment pairs, each of the plurality of payment pairs comprising any (including a plurality of) non-monetary currency value and/or any monetary currency value (between 0% and 100% respectively 100% and 0%).

1 - 27 . (canceled) 
     
     
         28 . A computer-implemented method for receiving a payment pair used in a purchase of an item, the method comprising:
 transmitting, by a user's computer system, a selection of the item to be purchased and a first component of the payment pair to a server;   receiving, by the user's computer system, the payment pair comprising the first component of the payment pair and a second component of the payment pair from the server, wherein the second component of the payment pair is calculated based on the value of the selected item, the first component of the payment pair, and the currency value;   presenting, by the user's computer system, the payment pair and an option to reject or accept the payment pair;   receiving, by the user's computer system, a selection to reject the payment pair;   transmitting, by the user's computer system to the server, the selection to reject the payment pair;   receiving, by the user's computer system from the server, a request to modify the first component of the payment pair;   prompting, by the user's computer system, a user for a modified first component of the payment pair;   receiving, by the user's computer system, the modified first component of the payment pair;   transmitting, by the user's computer system to the server, the modified first component of the payment pair;   receiving, by the user's computer system from the server, a modified payment pair comprising the modified first component of the payment pair and a modified second component of the payment pair, wherein the modified second component of the payment pair is calculated based on the value of the selected item, the modified first component of the payment pair, and the currency value; and   presenting, by the user's computer system, the modified payment pair and an option to reject or accept the modified payment pair.   
     
     
         29 . The computer-implemented method of  claim 28 , wherein the first component of the payment pair is a non-monetary component and the second component of the payment pair is a monetary component. 
     
     
         30 . The computer-implemented method of  claim 28 , wherein the first component of the payment pair is a monetary component and the second component of the payment pair is a non-monetary component. 
     
     
         31 . The computer-implemented method of  claim 29 , wherein the currency value of the non-monetary component dynamically changes with a value of the monetary component. 
     
     
         32 . The computer-implemented method of  claim 29 , further comprising presenting, by the user's computer system, to the user a continuum of the monetary component and the non-monetary component. 
     
     
         33 . The computer-implemented method of  claim 28 , wherein the currency value varies depending upon a member status associated with the user. 
     
     
         34 . The computer-implemented method of  claim 28 , further comprising:
 responsive to transmitting the selection of the item to be purchased, receiving, by the user's computer system, a request to modify the first component from the server if it is determined that an account associated with the first component has an insufficient balance.   
     
     
         35 . A system comprising:
 a communication network; and   a user's computing device that is coupled to the communication network and configured to:
 receive a selection of an item for purchase as an input from a user; 
 transmit the selection of the item to a server; 
 responsive to transmitting the selection of the item, receive a request from the server to input a first component of a payment pair; 
 prompt the user to input the first component of the payment pair; 
 receive the first component of the payment pair from the user; 
 transmit the first component of the payment pair to the server; 
 receive, from the server, the payment pair comprising the first component of the payment pair and a second component of the payment pair, wherein the second component of the payment pair is calculated based on a value of the item, the first component of the payment pair, and a currency value; 
 present the payment pair and an option to reject or accept the payment pair to the user; 
 receive a selection to reject the payment pair from the user; 
 transmit the selection to reject the payment pair to the server; 
 receive from the server a request for a modified first component of the payment pair; 
 receive the modified first component of the payment pair from the user; 
 transmit the modified first component of the payment pair to the server; 
 responsive to modifying the first component, receive from the server a modified payment pair comprising the modified first component of the payment pair and a modified second component of the payment pair, wherein the modified second component of the payment pair is calculated based on the value of the item, the modified first component of the payment pair, and the currency value; and 
 present the modified payment pair to the user. 
   
     
     
         36 . The system of  claim 35 , wherein the user's computing device is further configured to:
 receive from the server, in response to the transmission of the selection of the item, a request to modify the first component if it is determined that an account associated with the first component has an insufficient balance.   
     
     
         37 . The system of  claim 35 , wherein the first component of the payment pair is a non-monetary component and the second component of the payment pair is a monetary component. 
     
     
         38 . The system of  claim 35 , wherein the first component of the payment pair is a monetary component and the second component of the payment pair is a non-monetary component. 
     
     
         39 . The system of  claim 37 , wherein the currency value of the non-monetary component dynamically changes with a value of the monetary component. 
     
     
         40 . The system of  claim 35 , wherein the user's computing device is further configured to present to the user a continuum of the first component and the second component, wherein the first component is input using the continuum. 
     
     
         41 . The system of  claim 35 , wherein the currency value varies depending upon a member status associated with the user. 
     
     
         42 . A computer program product comprising:
 a computer-readable storage device having computer-readable instructions that are executable by one or more processors to:
 receive a selection of an item for purchase as an input from a user; 
 transmit the selection of the item to a server; 
 responsive to transmitting the selection of the item, receive a request from the server to input a first component of a payment pair; 
 prompt the user to input the first component of the payment pair; 
 receive the first component of the payment pair from the user; 
 transmit the first component of the payment pair to the server; 
 receive, from the server, the payment pair comprising the first component of the payment pair and a second component of the payment pair, wherein the second component of the payment pair is calculated based on the first component of the payment pair, a value of the item, and a currency value; 
 present the payment pair and an option to reject or accept the payment pair to the user; 
 receive a selection to reject the payment pair from the user; 
 transmit the selection to reject the payment pair to the server; 
 receive from the server a request for a modified first component of the payment pair; 
 receive the modified first component of the payment pair from the user; 
 transmit the modified first component of the payment pair to the server; 
 responsive to modifying the first component, receive from the server a modified payment pair comprising the modified first component of the payment pair and a modified second component of the payment pair, wherein the modified second component of the payment pair is calculated based on the value of the item, the modified first component of the payment pair, and the currency value; and 
 present the modified payment pair to the user. 
   
     
     
         43 . The computer program product of  claim 42 , wherein the first component of the payment pair is a non-monetary component and the second component of the payment pair is a monetary component. 
     
     
         44 . The computer program product of  claim 42 , wherein the first component of the payment pair is a monetary component and the second component of the payment pair is a non-monetary component. 
     
     
         45 . The computer program product of  claim 43 , wherein the computer-readable instructions are executable to: present to the user a continuum of the monetary component and the non-monetary component. 
     
     
         46 . The computer program product of  claim 43 , wherein the currency value of the non-monetary component dynamically changes with a value of the monetary component. 
     
     
         47 . The computer program product of  claim 42 , wherein the currency value varies depending upon a member status associated with the user.