Patent 10192231 was granted and assigned to United Airlines on January, 2019 by the United States Patent and Trademark Office.
A mobile device transaction system provides a mechanism by which a user of a mobile device may complete a transaction (for goods or services) with a merchant, using an electronic gift card, or other payment type, generated by through the transaction system and chosen to bypass payment using an authorized credit card, where the user is incentivized to use the mobile device transaction system by the award of rewards points to a user account at the time of the transaction.