US 2021/0201298 A1Published application

Integration of transaction processor system identifiers with digital account providers

AssigneePaypal, Inc.

InventorsSripaul Chidambaram Asokan, Venkatraman Suresh

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Abstract

There are provided systems and methods for integration of transaction processor system identifiers with digital account providers. A user may utilize a transaction processor to process a transaction with a merchant. When processing the transaction, the user may navigate to a checkout page, where the transaction processor may utilize a shared identifier and API integrations to retrieve information from other wallet providers associated with the user's digital wallet balances with those other wallet providers. The user may request use of those funds during the checkout page, which may cause a payout request for those funds to be issued by the transaction processor to one or more of the wallet providers to provide the funds to the transaction processor. The transaction processor may also use an account of the other wallet provider(s) to provide the funds immediately to the user, which may then use those funds on the checkout page.

Claims20

Dependent claims

A transaction processor 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 transaction processor system to perform operations comprising:
receiving, from a computing device of a user, a wallet balance request for a first digital wallet of the user with a first digital wallet provider separate from the transaction processor system, wherein the wallet balance request is received via a checkout interface of the computing device for an electronic transaction between the user and a merchant;
fetching, via a first application programming interface (API) of the first digital wallet provider, first balance data for the first digital wallet using an identifier of the user with the transaction processor system, wherein first balance data comprises first funds available in the first digital wallet with the first digital wallet provider;
providing the first balance data for display to the user through the checkout interface of the computing device;
receiving a payment request to the merchant for at least a portion of the first funds for the electronic transaction;
and
updating a balance of a user account of the user with the transaction processor system with the at least the portion of the first funds using a partner account of the first digital wallet provider provided internally by the transaction processor system.

6 more elements

A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

updating, in a user interface for an account of a user with a first service provider, an external wallet balance for a digital wallet of the user with a second service provider using a user identifier for the user with the first service provider, wherein the user identifier is shared with the second service provider for user identification of the user, and wherein the account is provided to the user;
receiving a transaction processing request for a transaction with a merchant using the external wallet balance with the account;
transferring the external wallet balance to the account of the user from a service provider account of the second service provider provided by the first service provider to the second service provider;
requesting, via an application programming interface (API) of the second service provider, a transfer of the external wallet balance from the digital wallet of the user to the service provider account of the second service provider;
and
processing, based on the transaction processing request, the transaction using at least the external wallet balance in the account.

3 more elements

Dependencies are inferred from the claim text.

Facts

Application: 16/730,922Filed 30 Dec 2019
Published: 1 Jul 2021
Term ends: Not estimatedThe source records don’t support an estimate.

Classification5 codes

G06Q 20/3676
Involving electronic purses or money safes: balancing accounts
G06Q 20/204
Point-of-sale [POS] network systems: comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
G06Q 20/36
Characterised by the use of specific devices or networks: using electronic wallets or electronic money safes
G06Q 20/367
Using electronic wallets or electronic money safes: involving electronic purses or money safes