US 11,720,872 B2
Methods and systems for wallet enrollment
Kevin Laracey, Natick, MA (US)
Assigned to PAYPAL, INC., San Jose, CA (US)
Filed by PAYPAL, INC., San Jose, CA (US)
Filed on Aug. 19, 2019, as Appl. No. 16/544,786.
Application 16/544,786 is a continuation of application No. 15/136,843, filed on Apr. 22, 2016, granted, now 10,387,862, issued on Aug. 20, 2019.
Application 15/136,843 is a continuation of application No. 13/902,458, filed on May 24, 2013, abandoned.
Claims priority of provisional application 61/651,193, filed on May 24, 2012.
Prior Publication US 2020/0082371 A1, Mar. 12, 2020
Int. Cl. G06Q 20/20 (2012.01); G06Q 20/36 (2012.01); G06Q 30/06 (2023.01); G06Q 20/40 (2012.01); G06Q 20/32 (2012.01); G06Q 20/10 (2012.01); G06Q 20/34 (2012.01); G06Q 30/0207 (2023.01); G06Q 40/00 (2023.01); G06Q 40/02 (2023.01); G06Q 30/0251 (2023.01); G06Q 40/12 (2023.01); G06Q 30/04 (2012.01); G06Q 30/0226 (2023.01); G06Q 30/0601 (2023.01)
CPC G06Q 20/202 (2013.01) [G06Q 20/10 (2013.01); G06Q 20/20 (2013.01); G06Q 20/322 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/3552 (2013.01); G06Q 20/363 (2013.01); G06Q 20/40 (2013.01); G06Q 20/405 (2013.01); G06Q 20/4014 (2013.01); G06Q 30/06 (2013.01); G06Q 20/108 (2013.01); G06Q 20/401 (2013.01); G06Q 30/0207 (2013.01); G06Q 30/0222 (2013.01); G06Q 30/0226 (2013.01); G06Q 30/0233 (2013.01); G06Q 30/0236 (2013.01); G06Q 30/0239 (2013.01); G06Q 30/0253 (2013.01); G06Q 30/04 (2013.01); G06Q 30/0601 (2013.01); G06Q 40/00 (2013.01); G06Q 40/02 (2013.01); G06Q 40/12 (2013.12)] 20 Claims
OG exemplary drawing
 
1. A system, comprising:
a processor; and
a non-transitory computer-readable medium having instructions stored thereon that are executable by the processor to cause the system to perform operations comprising:
collecting, from a merchant point-of-sale (POS) device through a secure application programming interface (API) of the system, one or more digital wallet messages comprising electronic contact information and digital payment information in association with a transaction conducted by a person at the merchant POS device, wherein the digital payment information identifies a first funding instrument used to pay for the transaction, and wherein the first funding instrument has a primary account number;
formatting the digital payment information in a digital format where the primary account number is not recorded with a seed record;
creating the seed record for the digital payment information from the one or more digital wallet messages, wherein the seed record comprises the electronic contact information and the formatted digital payment information in the digital format, and wherein the seed record comprises a partial record requiring additional information to be an active record for use by the system;
storing the seed record;
identifying a mobile device number or an email address from the electronic contact information;
generating a link configured to direct the person to a user interface to create the digital wallet using the seed record;
transmitting, to the mobile device number or the email address of the electronic contact information, a digital wallet creation request containing the link;
detecting, from a mobile device corresponding to the electronic contact information of the person, a selection of the link configured to direct the person to the user interface;
converting, based on the additional information, the seed record to the active record with the system, wherein the active record includes the additional information from the person;
creating, based on the converting, the digital wallet for the person from the active record without requiring user input in the mobile application for the first funding instrument for use with the digital wallet; and
adding, from the formatted digital payment information, the first funding instrument to the digital wallet, wherein the digital wallet is configured to allow the addition of a plurality of different funding instruments usable to conduct transactions, and wherein primary account numbers of the different funding instruments are not stored within the digital wallet.