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US 10,096,021 B2Granted
Digital wallet loading
AssigneePaypal, Inc.
InventorsGerman Scipioni, Loc Nguyen
Life of this patent
Estimating the term…
Abstract
Methods and systems are provided for loading money from a gift card into a digital wallet. The transfer can be done at a point of sale (POS), such as during a purchase of the gift card. The digital wallet can be a digital wallet of a user who is purchasing the gift card. The money in the digital wallet can be used to purchase products from the same merchant or another merchant. The money can be transferred from the digital wallet to any other person or entity.
Claims20
A system, comprising:
- a non-transitory memory storing account information associated with a digital wallet of a user;
- and
- one or more hardware processors configured to execute instructions to perform operations comprising:
- scanning a prepaid card of the user to obtain an identifier associated with the prepaid card;
- accessing a database corresponding to a gift card issuer to determine an amount of funds corresponding to the identifier;
- transferring at least a portion of the funds from the prepaid card of the user into the digital wallet of the user, wherein the transferred funds are accessible from both the prepaid card and the digital wallet;
- and
- transferring at least a portion of the transferred funds from the digital wallet to a specified recipient as a gift.
5 more elements
A system, comprising:
- a non-transitory memory storing account information associated with a digital wallet of a purchaser of a prepaid card;
- and
- one or more hardware processors configured to execute instructions to perform operations comprising:
- receiving input from the purchaser regarding a portion of funds associated with the prepaid card to be transferred to a recipient;
- processing a transfer of the portion of funds from the prepaid card of the purchaser into the digital wallet of the purchaser, wherein the transferring allows the portion of funds to be accessed from both the prepaid card and the digital wallet;
- and
- processing a transfer of the portion of the funds from the digital wallet to the recipient based on the received input from the purchaser.
4 more elements
A method comprising:
- storing, using one or more hardware memories, account information associated with a digital wallet of a purchaser of a prepaid card;
- and
- receiving, using one or more hardware processors, input from the purchaser regarding a portion of funds associated with the prepaid card to be transferred to a recipient;
- transferring, using the one or more hardware processors, the portion of funds from the prepaid card of the purchaser into the digital wallet of the purchaser, wherein the transferring allows the portion of funds to be accessed from both the prepaid card and the digital wallet;
- and
- transferring, using the one or more hardware processors, the portion of the funds from the digital wallet to the recipient based on the received input from the purchaser.
3 more elements
Dependencies are inferred from the claim text.