US 11,880,825 B2
Using a consumer digital wallet as a payment method in a merchant digital wallet
Prashant Jamkhedkar, Fremont, CA (US); Abhijeet Arvind Ranadive, San Jose, CA (US); Patrick Babcock, Sturbridge, MA (US); and Haoyu Xue, San Jose, CA (US)
Assigned to PAYPAL, INC., San Jose, CA (US)
Filed by PAYPAL, INC., San Jose, CA (US)
Filed on Sep. 30, 2021, as Appl. No. 17/490,518.
Application 17/490,518 is a continuation of application No. 15/710,608, filed on Sep. 20, 2017, granted, now 11,151,547.
Prior Publication US 2022/0020004 A1, Jan. 20, 2022
Int. Cl. G06Q 20/36 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/3674 (2013.01) [G06Q 20/382 (2013.01); G06Q 20/385 (2013.01); G06Q 20/40 (2013.01); G06Q 20/4016 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method, comprising:
generating, by a payment provider system using a software function associated with the payment provider system, a first digital token for a first digital wallet of a user, wherein the first digital token is not configured to be used as payment for an electronic transaction with a seller entity, wherein the first digital token designates the first digital wallet as validly registered with the payment provider system;
storing, by the payment provider system, the first digital token to a database;
receiving, by the payment provider system, a payment request for the electronic transaction with the seller entity, the payment request including a first digital wallet identifier corresponding to the first digital wallet, and the first digital wallet corresponding to a plurality of payment methods included in a second digital wallet;
retrieving, by the payment provider system based on the first digital wallet being validly registered, the first digital token from the database independent of the seller entity obtaining the first digital token for the payment request;
determining an existing electronic payment network usable by the seller entity and the payment provider system for processing of the electronic transaction;
generating, by the payment provider system, a second digital token configured for use as payment for the electronic transaction with the seller entity, the second digital token generated based on the first digital token and the software function associated with the payment provider system, and the second digital token is further generated to prevent revealing the first digital token to the seller entity, wherein the second digital token comprises routing information that enables the existing electronic payment network to route an electronic transaction message back to the payment provider system;
determining a message format required for authorizations of electronic transactions over the existing electronic payment network;
generating, by the payment provider system, the electronic transaction message comprising the second digital token in the message format required;
transmitting, to the existing electronic payment network by the payment provider system, the electronic transaction message comprising the second digital token;
receiving, by the payment provider system based on the routing information from the second digital token, the electronic transaction message from the existing electronic payment network;
determining, by the payment provider system, the digital wallet identifier based on the second digital token from the electronic transaction message; and
based on the digital wallet identifier and the receiving the electronic message, processing, by the payment provider system, the payment request for the electronic transaction with the seller entity, wherein the second digital token is rendered unusable for further use after the processing of the payment request for the electronic transaction with the seller entity.