US 12,406,252 B2
Systems and methods for integrated digital wallet payments
Niren Chaturvedi, Coppell, TX (US); and Milena Shishkova, London (GB)
Assigned to JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed by JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed on Oct. 26, 2022, as Appl. No. 18/050,003.
Prior Publication US 2024/0144247 A1, May 2, 2024
Int. Cl. G06Q 20/36 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/3674 (2013.01) [G06Q 20/40145 (2013.01); G06Q 2220/00 (2013.01)] 12 Claims
OG exemplary drawing
 
1. A method for digital wallet payments, comprising:
receiving, by a digital wallet application executed by a user electronic device, a selection of a good or service offered by a merchant;
receiving, by the digital wallet application, authentication information from a user;
authenticating, by the digital wallet application, the authentication information;
selecting, by the digital wallet application, a payment mechanism out of a plurality of payment mechanisms onboarded to the digital wallet application;
retrieving, by the digital wallet application, a pointer to a digital identity identifier that is stored on a distributed ledger in a distributed ledger network, wherein the digital identity identifier is issued by an attestation-issuing authority and comprises an attestation from the attestation-issuing authority, wherein the attestation attests to the identity of the user;
communicating, by the digital wallet application, a payment token for the selected payment mechanism and the pointer to the digital identity identifier on the distributed ledger to a merchant payment system, wherein the merchant payment system is configured to generate a transaction authorization message and to communicate the transaction authorization message, the payment token, and the pointer to the digital identity identifier to an issuing financial institution backend over a payment network;
receiving, by the issuing financial institution backend, the transaction authorization message, the payment token, and the pointer to the digital identity identifier;
accessing, by the issuing financial institution backend, the distributed ledger at the pointer;
validating, by the issuing financial institution backend, that the attestation at the pointer on the distributed ledger has not expired or been rescinded;
in response to successfully validating the attestation, authorizing, by the issuing financial institution backend, the transaction authorization message; and
communicating, by the issuing financial institution, authorization to the merchant payment system.