US Patent 11042892 Triggering and throttling access to reward card supplier interfaces

A reward card platform includes a database storing funding accounts, reward card purchase transactions, reward card brand options, and denomination options. The platform provides a user interface for purchasing reward cards from multiple third party suppliers. The user interface commits reward card purchase transactions using the funding accounts and specified reward card brand and denomination options. The platform obtains reward card items from supplier APIs corresponding to specified reward card brand and denomination options. The platform includes a buffer storing reward card inventory items. The platform also includes a provisioning module configured to: (i) select specified reward card inventory items to complete reward card purchase transactions when the specified reward card items are in the buffer; (ii) invoke a third party provider API to obtain reward card items when unavailable in the buffer; and (iii) replenish the buffer with the specified reward card items according to secondary supplier rate limits.