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 |
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.
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