Using a consumer digital wallet as a payment method in a merchant digital wallet

A computer system, comprising:

• a processor;
• and
• a non-transitory computer-readable medium having stored thereon instructions executable to cause the computer system to perform operations comprising:
• generating, by a payment provider system using a software function associated with the payment provider system, a first digital token for a first digital wallet of a user, wherein the first digital token is not configured to be used as payment for an electronic transaction with a seller entity;
• receiving, by the payment provider system, a payment request for the electronic transaction with the seller entity, the payment request including a first digital wallet identifier corresponding to the first digital wallet, and the first digital wallet corresponding to a plurality of payment methods included in a second digital wallet;
• generating a second digital token configured for use as payment for the electronic transaction with the seller entity, the second digital token generated based on the first digital token and the software function associated with the payment provider system, wherein the second digital token comprises routing information that enables an existing electronic payment network to route an electronic transaction message back to the payment provider system;
• generating the electronic transaction message comprising the second digital token;
• transmitting, to the existing electronic payment network, the electronic transaction message comprising the second digital token;
• receiving, based on the routing information from the second digital token, the electronic transaction message from the existing electronic payment network;
• determining the digital wallet identifier based on the second digital token from the electronic transaction message;
• and
• based on the digital wallet identifier, determining whether to approve or deny the payment request for the electronic transaction with the seller entity.

A non-transitory computer-readable medium having stored thereon instructions that are executable by a computer system to cause the computer system to perform operations comprising:

• generating, by a payment provider system using a software function associated with the payment provider system, a first digital token for a first digital wallet of a user, wherein the first digital token is not configured to be used as payment for an electronic transaction with a seller entity;
• receiving, by the payment provider system, a payment request for the electronic transaction with the seller entity, the payment request including a first digital wallet identifier corresponding to the first digital wallet, and the first digital wallet corresponding to a plurality of payment methods included in a second digital wallet;
• generating a second digital token configured for use as payment for the electronic transaction with the seller entity, the second digital token generated based on the first digital token and the software function associated with the payment provider system, wherein the second digital token comprises routing information that enables an existing electronic payment network to route an electronic transaction message back to the payment provider system;
• generating the electronic transaction message comprising the second digital token;
• transmitting, to the existing electronic payment network, the electronic transaction message comprising the second digital token;
• receiving, based on the routing information from the second digital token, the electronic transaction message from the existing electronic payment network;
• determining the digital wallet identifier based on the second digital token from the electronic transaction message;
• and
• based on the digital wallet identifier, determining whether to approve or deny the payment request for the electronic transaction with the seller entity.