Methods and systems for wallet enrollment

A service provider system comprising:

• a non-transitory memory;
• and
• one or more hardware processors coupled to the non-transitory memory and configured to execute instructions from the non-transitory memory to cause the service provider system to perform operations comprising:
• detecting a use of a payment card by a user at a point-of-sale (POS) device based on a transaction message exchanged by the POS device with the service provider system via a first application programming interface (API);
• prompting, on the POS device via the first API, the user for a consent to transmit payment card information for the payment card to a wallet enrollment system provided by the service provider system;
• receiving, from the POS device via a second API associated with the wallet enrollment system, a first message comprising the payment card information, the consent, and contact information for the user provided at the POS device;
• determining a first portion of the payment card information designated for storage by a storage device that prevents recordation of the first portion of the payment card information outside of the storage device;
• storing the first portion of the payment card information on the storage device, wherein the first portion is stored in association with a proxy identifier usable to retrieve the first portion from the storage device;
• creating a seed data record based on the contact information, a second portion of the payment card information, and the proxy identifier;
• and
• transmitting, to a user of the user based on the contact information, a second message that directs the user to a user interface associated with the wallet enrollment system, wherein the user is able to create a digital wallet for the payment card using the seed data record via the user interface.

A method comprising:

• collecting information usable for creating a digital wallet for a user at a point-of-sale (POS) device based on one or more transaction messages exchanged by the POS device with a service provider via a first application programming interface (API), wherein the information is associated with a funding instrument used by the user at the POS device;
• prompting, on the POS device via the first API, the user for a consent for a use of the information by a wallet enrollment system associated with the service provider;
• receiving, via a second API configured for communications with the wallet enrollment system, a first message comprising the consent;
• determining a first portion of the information designated for storage on a storage device that prevents a recordation of the first portion on one or more storages separate from the storage device;
• generating a seed data record based on a second portion of the information and a proxy identifier usable for retrieving the first portion from the storage device;
• and
• transmitting, to the user based on the information, a digital message that directs the user to a user interface that enables the user to create a digital wallet using the seed data record.

A non-transitory machine-readable medium having instructions stored thereon, the instructions executable to cause performance of operations comprising:

• receiving a transaction message associated with a payment card from a point-of-sale (POS) device via a first application programming interface (API) of a service provider;
• requesting, on the POS device via the first API, a consent from the user to transmit payment card information for the payment card to a wallet enrollment system provided by the service provider;
• receiving, from the POS device via a second API associated with the wallet enrollment system, a first message comprising the payment card information and the consent;
• determining a first portion of the payment card information designated for storage by a storage device that prevents recordation of the first portion of the payment card information outside of the storage device;
• storing the first portion of the payment card information on the storage device in association with a proxy identifier;
• creating a seed data record based on a second portion of the payment card information and the proxy identifier;
• and
• transmitting, to a user device of the user, a second message that directs the user to a user interface associated with the wallet enrollment system that enables the user to create a digital wallet for the payment card using the seed data record.