US 12,437,281 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 Jun. 20, 2023, as Appl. No. 18/212,048.
Application 18/212,048 is a continuation of application No. 16/544,786, filed on Aug. 19, 2019, granted, now 11,720,872.
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 2024/0029042 A1, Jan. 25, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/20 (2012.01); G06Q 20/10 (2012.01); G06Q 20/32 (2012.01); G06Q 20/34 (2012.01); G06Q 20/36 (2012.01); G06Q 20/40 (2012.01); G06Q 30/0207 (2023.01); G06Q 30/0226 (2023.01); G06Q 30/0251 (2023.01); G06Q 30/04 (2012.01); G06Q 30/06 (2023.01); G06Q 30/0601 (2023.01); G06Q 40/00 (2023.01); G06Q 40/02 (2023.01); G06Q 40/12 (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 20/4014 (2013.01); G06Q 20/405 (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 service provider system comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the service provider system to perform operations comprising:
collecting, from a merchant point-of-sale (POS) device through an application programming interface (API) of a service provider system, based on one or more transaction messages, information from the merchant POS, wherein the information includes electronic contact information and financial data associated with a transaction conducted by the user at the merchant POS device;
determining that the information includes at least a portion that is designated for a storage by a secure storage device, wherein at least the financial data is designated for the storage by the secure storage device of the service provider system to prevent a recordation of the financial data outside of the secure storage device, and wherein the financial data includes at least one of a primary account number or a funding instrument that is represented by the proxy identifier;
generating a proxy identifier for the at least the portion of the information designated for the storage;
creating a seed data record for the information collected from the merchant POS device, the seed data record including user data for a user extracted from the information, and wherein the seed data record comprises one or more portions of the information sufficient to create a digital wallet for the user;
causing the secure storage device to store the at least the portion of the information designated for the storage in a data format selected for the storage based on the at least the portion to be stored in association with the proxy identifier for reference by the digital wallet;
transmitting, to a user device of the user based on the user data in the information collected from the merchant POS device, a digital message configured to direct the user to a user interface displayed on the user device to create a digital wallet for an account using the information collected from the merchant POS device;
receiving, from a response to the digital message via the user interface, the user data;
identifying the seed data record using the user data;
converting the seed data record to an active data record with the service provider system; and
creating the digital wallet for the account based on at least on the one or more portions including the user data.