# US 10,373,156 B2 · Method and system for linked electronic wallet application

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- Number: US 10,373,156 B2
- Document ID: US10373156B2
- Status: Granted
- Kind: B2
- Application number: 15/156,659
- Filed: 2016-05-17
- Published: 2017-11-23
- Granted: 2019-08-06
- Earliest claimed: 2016-05-17
- Assignees: Mastercard International Incorporated
- Applicants: MasterCard International Incorporated
- Inventors: Anthony Dewayne Holmes
- Web page: https://patentgrep.com/patent/US10373156B2

## CPC

- G06Q 20/36: using electronic wallets or electronic money safes
- G06Q 20/3676: {Balancing accounts}
- G06Q 20/3821: {Electronic credentials}
- G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

A method for distributing credentials to a linked electronic wallet includes: storing a plurality of account profiles, each including data related to a transaction account including an associated account number, account identifier, and device identifier; storing a linked profile, the profile including data related to a linked transaction account including a primary account number, linked identifier, plurality of account identifiers, and account balance; receiving a linking request, the request including a specific account identifier and the linked identifier; identifying a specific account profile that includes the specific account identifier; updating the linked profile to include the specific account identifier in the included plurality of account identifiers; and electronically transmitting a data signal superimposed with payment credentials associated with the linked transaction account that includes at least the primary account number to a mobile communication device associated with the device identifier included in the identified specific account profile.

## Claims

### Claim 1

A method for distributing credentials to a linked electronic wallet, comprising:
storing, in an account database of a processing server, a plurality of account profiles, wherein each account profile includes a structured data set configured to store data related to a transaction account including at least an associated account number, an account identifier, and a device identifier;
storing, in a linked database of the processing server, a linked profile, wherein the linked profile includes a structure data set configured to store data related to a linked transaction account including at least a primary account number, a linked identifier, a plurality of account identifiers, and an account balance;
receiving, by a receiving device of the processing server, first data superimposed with a linking request, wherein the linking request includes at least a specific account identifier and the linked identifier;
executing, by the processing server, a query on the account database to identify a specific account profile where the included account identifier corresponds to the specific account identifier;
updating, by the processing server, the linked profile to include the specific account identifier in the included plurality of account identifiers; and
electronically transmitting, by a transmitting device of the processing server, second data superimposed with payment credentials associated with the linked transaction account that includes at least the primary account number to a mobile communication device associated with the device identifier included in the identified specific account profile.

### Claim 2 (depends on 1)

The method of claim 1, wherein payment transactions involving the primary account number are funded by transaction accounts associated with each account identifier of the plurality of account identifiers included in the updated linked profile.

### Claim 3 (depends on 2)

The method of claim 2, wherein the account balance included in the linked profile corresponds to funds deposited in the linked transaction account by the transaction accounts associated with each account identifier of the plurality of account identifiers.

### Claim 4 (depends on 2)

The method of claim 2, wherein the account balance included in the linked profile corresponds to an available account balance for each transaction account associated with each account identifier of the plurality of account identifiers.

### Claim 5 (depends on 2)

The method of claim 2, further comprising:
receiving, by the receiving device of the processing server, a transaction message via a payment network, wherein the transaction message is formatted based on one or more standards and includes a plurality of data elements including at least a first data element configured to store the primary account number, a second data element configured to store a transaction amount, and a third data element configured to store a merchant identifier; and
processing, by the processing server, one or more fund transfers for payment of the transaction amount from each transaction account associated with each account identifier of the plurality of account identifiers to a financial institution associated with a merchant corresponding to the merchant identifier.

### Claim 6 (depends on 5)

The method of claim 5, wherein an amount for each of the one or more fund transfers is based on one or more funding rules stored in the linked profile.

### Claim 7 (depends on 1)

The method of claim 1, wherein the linked profile further includes one or more account controls where payment transactions involving the linked transaction account are subject to the one or more account controls.

### Claim 8 (depends on 7)

The method of claim 7, wherein the one or more account controls include a control on at least one of: transaction amount, transaction time, transaction date, merchant identifier, merchant category code, transaction frequency, aggregate transaction amount, and geographic location.

### Claim 9 (depends on 7)

The method of claim 7, further comprising:
receiving, by the receiving device of the processing server, a transaction message via a payment network, wherein the transaction message is formatted based on one or more standards and includes a plurality of data elements including at least a first data element configured to store the primary account number, a second data element configured to store a transaction amount, and one or more additional data elements configured to store transaction data; and
determining, by the processing server, compliance of the payment transaction to the one or more account controls included in the linked profile based on at least a comparison of the transaction data stored in the one or more additional data elements included in the received transaction message and the one or more account controls.

### Claim 10 (depends on 9)

The method of claim 9, wherein the transaction data includes at least one of: transaction amount, transaction time, transaction date, geographic location, merchant data, consumer data, issuer data, acquirer data, product data, offer data, reward data, and loyalty data.

### Claim 11

A system for distributing credentials to a linked electronic wallet, comprising:
an account database of a processing server configured to store a plurality of account profiles, wherein each account profile includes a first structured data set configured to store data related to a transaction account including at least an associated account number, an account identifier, and a device identifier;
a linked database of the processing server configured to store a linked profile, wherein the linked profile includes a second structured data set configured to store data related to a linked transaction account including at least a primary account number, a linked identifier, a plurality of account identifiers, and an account balance;
a receiving device of the processing server configured to receive first data superimposed with a linking request, wherein the linking request includes at least a specific account identifier and the linked identifier;
a processing device configured to:
execute a query on the account database to identify a specific account profile where the included account identifier corresponds to the specific account identifier; and
update the linked profile to include the specific account identifier in the included plurality of account identifiers; and
a transmitting device of the processing server configured to electronically transmit second data superimposed with payment credentials associated with the linked transaction account that includes at least the primary account number to a mobile communication device associated with the device identifier included in the identified specific account profile.

### Claim 12 (depends on 11)

The system of claim 11, wherein payment transactions involving the primary account number are funded by transaction accounts associated with each account identifier of the plurality of account identifiers included in the updated linked profile.

### Claim 13 (depends on 12)

The system of claim 12, wherein the account balance included in the linked profile corresponds to funds deposited in the linked transaction account by the transaction accounts associated with each account identifier of the plurality of account identifiers.

### Claim 14 (depends on 12)

The system of claim 12, wherein the account balance included in the linked profile corresponds to an available account balance for each transaction account associated with each account identifier of the plurality of account identifiers.

### Claim 15 (depends on 12)

The system of claim 12,
wherein the receiving device of the processing server is further configured to receive a transaction message via a payment network, wherein the transaction message is formatted based on one or more standards and includes a plurality of data elements including at least a first data element configured to store the primary account number, a second data element configured to store a transaction amount, and a third data element configured to store a merchant identifier, and
wherein the processing device is further configured to process one or more fund transfers for payment of the transaction amount from each transaction account associated with each account identifier of the plurality of account identifiers to a financial institution associated with a merchant corresponding to the merchant identifier.

### Claim 16 (depends on 15)

The system of claim 15, wherein an amount for each of the one or more fund transfers is based on one or more funding rules stored in the linked profile.

### Claim 17 (depends on 11)

The system of claim 11, wherein the linked profile further includes one or more account controls where payment transactions involving the linked transaction account are subject to the one or more account controls.

### Claim 18 (depends on 17)

The system of claim 17, wherein the one or more account controls include a control on at least one of: transaction amount, transaction time, transaction date, merchant identifier, merchant category code, transaction frequency, aggregate transaction amount, and geographic location.

### Claim 19 (depends on 17)

The system of claim 17,
wherein the receiving device of the processing server is further configured to receive a transaction message via a payment network, wherein the transaction message is formatted based on one or more standards and includes a plurality of data elements including at least a first data element configured to store the primary account number, a second data element configured to store a transaction amount, and one or more additional data elements configured to store transaction data, and
wherein the processing device is further configured to determine compliance of the payment transaction to the one or more account controls included in the linked profile based on at least a comparison of the transaction data stored in the one or more additional data elements included in the received transaction message and the one or more account controls.

### Claim 20 (depends on 19)

The system of claim 19, wherein the transaction data includes at least one of: transaction amount, transaction time, transaction date, geographic location, merchant data, consumer data, issuer data, acquirer data, product data, offer data, reward data, and loyalty data.