FIELD

The present disclosure relates to identification of credentials stored in a computing device, specifically the identification of one of a plurality of sets of payment credentials stored in an electronic wallet serving as a proxy for one or more paired electronic wallets.

BACKGROUND

As technology regarding computer security, in particular data storage security and data transmission security, improves, the trust individuals place in computing devices to handle sensitive data similarly improves. The use of computing devices to store and transmit data as an alternative to traditional, physical means can often result in faster, more efficient processes, which can provide additional convenience to a person's daily activities. In one such development, computing devices have been developed that can securely store and transmit payment credentials for a payment account, such as a credit card account, in what is known as an electronic wallet.

Electronic wallets can often serve as a digital replacement to a traditional wallet, with respect to payment instruments and payment methods a consumer may possess. Rather than present a physical payment card or check to a point of sale to make a purchase, a computing device with an electronic wallet application program installed can be used to store the associated payment credentials and transmit them to the point of sale at the time of a transaction, such as by using near field communication.

However, electronic wallets are often limited in operation. In many instances, electronic wallets are individual, self-contained applications that store payment credentials for a particular financial institution and/or payment type. As a result, it can often be difficult and time consuming for a person to set up a computing device to make available a plurality of different payment accounts for use in a transaction, and to select a particular payment account when making a payment. In addition, many financial institutions and other digital entities may have payment methods for an individual, but may lack the computing infrastructure and technology to support various types of electronic payments and transfers of payment credentials. Thus, it may be both difficult and, in some instances, impossible to utilize a computing device to convey payment credentials for a plurality of different accounts for use in transactions.

Thus, there is a need for a technical solution for an electronic wallet that can serve as a proxy for the identification of payment credentials for presentation in a payment transaction among a plurality of different electronic wallets and digital entity accounts. In such a solution, a user of a computing device could use a single application program and have payment credentials for various payment methods made available, without the use of additional application programs and even in instances where a specific payment method or payment type may be unavailable.

SUMMARY

The present disclosure provides a description of systems and methods for identifying payment credentials using a proxy electronic wallet.

A method for identifying payment credentials using a proxy electronic wallet includes: storing, in an account database, a plurality of account profiles, wherein each account profile is related to a wallet account including at least a wallet identifier, authentication credentials, an account identifier associated with a digital entity paired to the related wallet account, where the digital entity is one of a plurality of digital entities, one or more payment identifiers, one or more first sets of payment credentials, where each set of the one or more first sets of payment credentials corresponds to a payment identifier of the one or more payment identifiers, one or more paired wallet identifiers, where each paired wallet identifier is related to an additional wallet account, and, for each of the one or more paired wallet identifiers, the wallet account further including one or more additional payment identifiers associated with the related wallet account, and one or more additional sets of credentials associated with the related additional wallet account, where each set of the one or more additional sets of credentials corresponds to an additional payment

identifier of the one or more additional payment identifiers associated with the respective related additional wallet account; receiving, by a receiving device, an account request from a specific digital entity of the plurality of digital entities, wherein the account request includes at least a specific account identifier associated with the specific digital entity; identifying, by a processing device, a specific account profile stored in the account database where the included account identifier corresponds to the specific account identifier included in the received account request; transmitting, by a transmitting device, at least the one or more payment identifiers and the one or more additional payment identifiers corresponding to each of the one or more paired wallet identifiers; receiving, by the receiving device, a payment selection, wherein the payment selection includes a specific payment identifier selected from the transmitted one or more payment identifiers and one or more additional payment identifiers corresponding to each of the one or more paired wallet identifiers;

identifying, by the processing device, a set of credentials associated with the specific payment identifier in the specific account profile, where the set of credentials is a first set of payment credentials of the one or more first sets of payment credentials if the specific payment identifier is selected from the one or more payment identifiers, and is an additional set of credentials of one of the one or more additional sets of credentials if the specific payment identifier is selected from the one or more additional payment identifiers corresponding to each of the one or more paired wallet identifiers; and transmitting, by the transmitting device, the identified set of credentials.

A system for identifying payment credentials using a proxy electronic wallet includes an account database, a receiving device, a processing device, and a transmitting device. The account database is configured to store a plurality of account profiles, wherein each account profile is related to a wallet account including at least: a wallet identifier; authentication credentials; an account identifier associated with a digital entity paired to the related wallet account, where the digital entity is one of a lurality of digital entities; one or more payment identifiers; one or more first sets of payment credentials, where each set of the one or more first sets of payment credentials corresponds to a payment identifier of the one or more payment identifiers; one or more paired wallet identifiers, where each paired wallet identifier is related to an additional wallet account, and, for each of the one or more paired wallet identifiers, the wallet account further including one or more additional payment

identifiers associated with the related wallet account, and one or more additional sets of credentials associated with the related additional wallet account, where each set of the one or more additional sets of credentials corresponds to an additional payment identifier of the one or more additional payment identifiers associated with the respective related additional wallet account. The receiving device is configured to receive an account request from a specific digital entity of the plurality of digital entities, wherein the account request includes at least a specific account identifier associated with the specific digital entity. The processing device is configured to identify a specific account profile stored in the account database where the included account identifier corresponds to the specific account identifier included in the received account request. The transmitting device is configured to transmit at least the one or more payment identifiers and the one or more additional payment identifiers corresponding to each of the one or more paired wallet identifiers. The receiving device is further configured to receive a payment selection, wherein the payment selection includes a specific payment identifier selected from the transmitted one or more payment identifiers and one or more additional payment identifiers corresponding to each of the one or more paired wallet identifiers. The processing device is further configured to identify a set of credentials associated with the specific payment identifier in the specific account profile, where the set of credentials is a first set of payment credentials of the one or more first sets of payment credentials if the specific payment identifier is selected from the one or more payment identifiers, and is an additional set of credentials of one of the one or more additional sets of credentials if the specific payment identifier is selected from the one or more additional payment identifiers corresponding to each of the one or more paired wallet identifiers. The transmitting device is further configured to transmit the identified set of credentials.

BRIEF DESCRIPTION OF THE DRAWING FIGURES

The scope of the present disclosure is best understood from the following detailed description of exemplary embodiments when read in conjunction with the accompanying drawings. Included in the drawings are the following figures:

FIG. 1 is a block diagram illustrating a high level system architecture for the identification of payment credentials in a proxy electronic wallet in accordance with exemplary embodiments.

FIG. 2 is a block diagram illustrating the processing server of FIG. 1 for the identification of payment credentials in a proxy electronic wallet in accordance with exemplary embodiments.

FIG. 3 is a block diagram illustrating the account database of the processing server of FIG. 2 for the storage of payment credentials for use in a proxy electronic wallet in accordance with exemplary embodiments.

FIG. 4 is a flow diagram illustrating a process for the pairing of an electronic wallet to a proxy electronic wallet in accordance with exemplary embodiments.

FIG. 5 is a flow diagram illustrating a process for the identification and provisioning of payment credentials using a proxy electronic wallet using the processing server of FIG. 2 in accordance with exemplary embodiments.

FIG. 6 is a flow chart illustrating an exemplary method for identifying payment credentials using a proxy electronic wallet in accordance with exemplary embodiments.

FIG. 7 is a block diagram illustrating a computer system architecture in accordance with exemplary embodiments.

Further areas of applicability of the present disclosure will become apparent from the detailed description provided hereinafter. It should be understood that the detailed description of exemplary embodiments are intended for illustration purposes only and are, therefore, not intended to necessarily limit the scope of the disclosure.

DETAILED DESCRIPTION

Glossary of Terms

Payment Network - A system or network used for the transfer of money via the use of cash-substitutes. Payment networks may use a variety of different protocols and procedures in order to process the transfer of money for various types of transactions. Transactions that may be performed via a payment network may include product or service purchases, credit purchases, debit transactions, fund transfers, account withdrawals, etc. Payment networks may be configured to perform transactions via cash-substitutes, which may include payment cards, letters of credit, checks, transaction accounts, etc. Examples of networks or systems configured to perform as payment networks include those operated by MasterCard®, VISA®, Discover®, American Express®, PayPal®, etc. Use of the term "payment network" herein may refer to both the payment network as an entity, and the physical payment network, such as the equipment, hardware, and software comprising the payment network.

Transaction Account - A financial account that may be used to fund a transaction, such as a checking account, savings account, credit account, virtual payment account, etc. A transaction account may be associated with a consumer, which may be any suitable type of entity associated with a payment account, which may include a person, family, company, corporation, governmental entity, etc. In some instances, a transaction account may be virtual, such as those accounts operated by PayPal®, etc.

Payment Card - A card or data associated with a transaction account that may be provided to a merchant in order to fund a financial transaction via the associated transaction account. Payment cards may include credit cards, debit cards, charge cards, stored-value cards, prepaid cards, fleet cards, virtual payment numbers, virtual card numbers, controlled payment numbers, etc. A payment card may be a physical card that may be provided to a merchant, or may be data representing the associated transaction account (e.g., as stored in a communication device, such as a smart phone or computer). For example, in some instances, data including a payment account number may be considered a payment card for the processing of a transaction funded by the associated transaction account. In some instances, a check may be considered a payment card where applicable.

Merchant - An entity that provides products (e.g., goods and/or services) for purchase by another entity, such as a consumer or another merchant. A merchant may be a consumer, a retailer, a wholesaler, a manufacturer, or any other type of entity that may provide products for purchase as will be apparent to persons having skill in the relevant art. In some instances, a merchant may have special knowledge in the goods and/or services provided for purchase. In other instances, a merchant may not have or require and special knowledge in offered products. In some embodiments, an entity involved in a single transaction may be considered a merchant.

Issuer - An entity that establishes (e.g., opens) a letter or line of credit in favor of a beneficiary, and honors drafts drawn by the beneficiary against the amount specified in the letter or line of credit. In many instances, the issuer may be a bank or other financial institution authorized to open lines of credit. In some instances, any entity that m y extend a line of credit to a beneficiary may be considered an issuer. The line of credit opened by the issuer may be represented in the form of a payment account, and may be drawn on by the beneficiary via the use of a payment card. An issuer may also offer additional types of payment accounts to consumers as will be apparent to persons having skill in the relevant art, such as debit accounts, prepaid accounts, electronic wallet accounts, savings accounts, checking accounts, etc., and may provide consumers with physical or non-physical means for accessing and/or utilizing such an account, such as debit cards, prepaid cards, automated teller machine cards, electronic wallets, checks, etc.

Payment Transaction - A transaction between two entities in which money or other financial benefit is exchanged from one entity to the other. The payment transaction may be a transfer of funds, for the purchase of goods or services, for the repayment of debt, or for any other exchange of financial benefit as will be apparent to persons having skill in the relevant art. In some instances, payment transaction may refer to transactions funded via a payment card and/or payment account, such as credit card transactions. Such payment transactions may be processed via an issuer, payment network, and acquirer. The process for processing such a payment transaction may include at least one of authorization, batching, clearing, settlement, and funding. Authorization may include the furnishing of payment details by the consumer to a merchant, the submitting of transaction details (e.g., including the payment details) from the merchant to their acquirer, and the verification of payment details with the issuer of the consumer's payment account used to fund the transaction. Batching may refer to the storing of an authorized transaction in a batch with other authorized transactions for distribution to an acquirer. Clearing may include the sending of batched transactions from the acquirer to a payment network for processing. Settlement may include the debiting of the issuer by the payment network for transactions involving beneficiaries of the issuer. In some instances, the issuer may pay the acquirer via the payment network. In other instances, the issuer may pay the acquirer directly. Funding may include payment to the merchant from the acquirer for the payment transactions that have been cleared and settled. It will be apparent to persons having skill in the relevant art that the order and/or categorization of the steps discussed above performed as part of payment transaction processing.

System for Identification of Payment Credentials Using a Proxy Electronic Wallet

FIG. 1 illustrates a system 100 for the identification of payment credentials using a proxy electronic wallet for use in a payment transaction whereby transaction accounts associated with a plurality of digital entities may be used to fund the payment transaction via the proxy electronic wallet.

The system 100 may include a processing server 102. The processing server 102 may be configured to store payment credentials in conjunction with a proxy electronic wallet that is paired with one or more additional electronic wallets, as discussed herein. In the system 100, the proxy electronic wallet may be accessed by a user via a consumer device 104. The consumer device 104 may be any type of computing device suitable for performing the functions discussed herein, such as a desktop computer, laptop computer, notebook computer, laptop computer, cellular phone, smart phone, smart watch, wearable computing device, implantable computing device, smart television, etc.

The consumer device 104 may be configured to access an electronic wallet application program. The electronic wallet application program may be stored locally in one or more memories of the consumer device 104, or may be stored externally, such as at the processing server 102, and accessed remotely by the consumer device 104. For instance, the processing server 102 or other device may store the electronic wallet application program for execution by the consumer device 104 using cloud computing techniques. In some embodiments, the consumer device 104 may store program code for execution of the electronic wallet application program by the consumer device 104, but may utilize data stored in the processing server 102, such as payment credentials stored for one or more paired electronic wallets.

The consumer device 104 and processing server 102 may communicate using any suitable communication network and protocol. In one embodiment, the consumer device 104 may communicate with the processing server 102 via a cellular communication network, where data signals superimposed with data may be transmitted between the consumer device 104 and processing server 102 via network

infrastructure operated by a mobile network operator. In another embodiment, the consumer device 104 may communicate with the processing server 102 via the Internet, which may utilize one or more internet service providers. In yet another embodiment, the consumer device 104 may communicate with a processing server 102 via a local area network, radio frequency, wireless area network, or other suitable method of communication. In such communications, electronic data signals superimposed with data may be transmitted between the consumer device 104 and processing server 102, to be parsed by the recipient computing device to obtain the data superimposed thereon,

The processing server 102 may store data associated with the electronic wallet application program of the consumer device 104 and the consumer device 104 itself, as discussed in more detail below. In the system 100, the processing server 102 may be configured to enable the user of the consumer device 104 to pair the electronic wallet of the consumer device 104 with one or more additional digital wallets and/or one or more accounts associated with one or more digital entities 106. Digital entities 106 may be entities with whom data may be exchanged via electronic transmissions that may store accounts and/or digital wallets for use by a consumer in the processing of a payment transaction. Digital entities 106 may include, for example, financial institutions, social networks, service providers, software providers, gaming platforms, media services, etc.

The consumer device 104 and digital entity 106 may be configured to exchange data via electronic transmission of data signals using methods discussed herein, such as the methods discussed above. Digital entities 106 may also be configured to exchange data via electronic transmission of data signals with the processing server 102 using such methods. Digital entities 106 may establish accounts, which may include electronic wallet accounts, with the consumer device 104 and/or a user of the consumer device 104. These accounts may be suitable for use in the funding of payment transactions involving the consumer device 104.

In some embodiments, the system 100 may also include one or more third parties 108. Third parties 108 may be configured to store data on behalf of the digital entity 106, processing server 102, or consumer device 104 for use in performing the functions of the system 100 as discussed herein. For example, a third party 108 may be configured to store payment credentials associated with a transaction account for use in funding a payment transaction, as discussed in more detail below. In another example, a third party 108 may be an electronic wallet provider, which may store data associated with an electronic wallet that is associated with a digital entity 106. In yet another example, the third party 108 may be configured to store program code for the proxy electronic wallet application program that is executed remotely by the consumer device 104, for accessing payment credentials stored by the processing server 102 for the proxy electronic wallet and for paired electronic wallets and accounts associated with digital entities 106.

In the system 100, a consumer may use the consumer device 104 in order to submit payment credentials for use in funding a payment transaction involving the consumer and a merchant 110. In some instances, the transaction may be an in~person transaction, such as where the consumer device 104 is physically in proximity of a point of sale device associated with the merchant 110, or may be a remote transaction, such as a payment transaction conducted via the Internet or other suitable communication network. In order to facilitate the submission of payment credentials to the merchant 110 for use in funding the payment transaction, the consumer may select payment credentials for use via the consumer device 104 using the proxy electronic wallet application program.

The consumer may execute the proxy electronic wallet application program using the consumer device 104. The proxy electronic wallet application program may present the consumer with a plurality of different payment accounts for use in funding the payment transaction. In some instances, the payment accounts may include payment accounts associated with the proxy electronic wallet application program directly, as well as additional payment accounts that may be associated with one or more digital entities 106 and/or one or more paired electronic wallets. The pairing of electronic wallets to the proxy electronic wallet for use in funding payment transactions is discussed in more detail below.

The payment accounts for selection may be displayed to the consumer via one or more suitable methods of display using the consumer device 104. The consumer may input a selection of a specific payment account using one or more input devices of the consumer device 104. The consumer device 104 may identify a payment identifier associated with the specific payment account indicated by the consumer and may be configured to generate a data signal superimposed with the payment identifier and electronically transmit the data signal to the processing server 102. In some embodiments, the data signal may also be superimposed with data

identifying the consumer device 104, such as a device identifier, a wallet identifier associated with the proxy electronic wallet application program, etc. In some instances, the data signal may also include authentication credentials submitted by the consumer via the consumer device 104, such as a personal identification number, password, biometric data, etc.

The processing server 102 may parse the data signal to obtain the payment identifier and any additional data superimposed thereon, such as the wal!et identifier and authentication credentials. The processing server 102 may then identify an account profile associated with the proxy electronic wallet application program executed by the consumer device 104. The account profile, discussed in more detail below, may be identified via execution of a query by a querying module or engine of the processing server 102 on a database configured to store account profiles, which may identify the account profile using the wallet identifier. The processing server 102 may then identify the payment account to be used to fund the payment transaction via the payment identifier parsed from the data signal transmitted to the processing server 102 by the consumer device 104. Payment credentials may then be identified by the processing server 102 for use in funding the payment transaction.

In one embodiment, the processing server 102 may be configured to store payment credentials directly. In some instances, the processing server 102 may store payment credentials for payment accounts directly associated with the proxy electronic wallet application program, while payment credentials associated with paired electronic wallets or digital entities 106 may be stored externally to the processing server 102, such as by the third party 108 or respective digital entities 106. In other embodiments, the processing server 102 may not store payment credentials directly. In such embodiments, all payment credentials may be stored by third parties 108 and/or digital entities 106.

The storage of payment credentials may utilize methods and systems for the secured storage of payment credentials that will be apparent to persons having skill in the relevant art. Payment credentials may include any data suitable for use in the identification, verification, validation, and authentication of a payment account to be used to fund a payment transaction, which may include a primary account number, one or more cryptograms, authentication credentials, and other data. In some instances, payment credentials may be stored in a Secure Element or other suitable type of secure storage, as will be apparent to persons having skill in the relevant art.

In some embodiments, payment credentials may be encrypted prior to use, and may be decrypted by the processing server 102, third party 108, or digital entity 106 prior to transmission, or may be transmitted while still encrypted and decrypted by a receiving entity, such as a payment network 112, discussed below.

Once the payment account has been identified by the processing server

102, the processing server 102 may initiate the submission of payment credentials for payment of the payment transaction. In instances where the processing server 102 may store the payment credentials directly for the selected payment account, the processing server 102 may perform any methods necessary for processing of the payment credentials (e.g., generation of cryptograms, etc.) and may generate a data signal superimposed with the payment credentials and any associated data. The data signal may be electronically submitted to the merchant 110 involved in the payment transaction, for processing using traditional methods and systems. In some embodiments, the processing server 102 may electronically transmit the data signal superimposed with the payment credentials directly to a payment network 112.

The payment network 1 12 may be configured to process payment transactions using traditional systems and methods that will be apparent to persons having skill in the relevant art. In some embodiments, payment credentials submitted directly to the payment network 112 may be submitted using the payment rails. The payment rails may be specially configured infrastructure associated with a payment network 112 that uses specialized protocols and specially formatted data signals, such as transaction messages formatted based on one or more standards (e.g., the

International Organization of Standardization's ISO 8583 standard), for the secure transmission of financial data. Payment rails may be a specialized communication network that a general purpose computing device is unable to physically access the payment rails, format data suitable for transmission using the payment rails, and/or parse data that is transmitted using the payment rails.

In instances where the processing server 102 may not store the payment credentials for the selected payment account directly, the processing server 102 may be configured to generate a data signal superimposed with data indicating the selected payment account, such as the payment identifier, and transmit it to an entity associated with the selected payment account that stores the corresponding payment credentials, such as the digital entity 106 or third party 108. In such instances, the data signal may be further superimposed with authentication credentials used for validation and authentication, such as to ensure that the request for payment credentials is genuine and authorized by a user associated with the selected payment account. In some embodiments, the authentication credentials may be supplied by the consumer of the consumer device 104 upon selection of the payment account.

In some instances, account credentials may also be superimposed in the data signal electronically transmitted to the digital entity 106 or third party 108. Account credentials may be associated with the consumer account or paired electronic wallet to which the selected payment account is associated. Account credentials may differ from authentication credentials in that account credentials may be used to access and manage the associated account and/or digital wallet, such as a username and password, while authentication credentials may be required when conducting a payment transaction, such as a personal identification number. In some embodiments, a digital entity 106 or third party 108 may not require account credentials to be submitted during a payment transaction. In some instances, the consumer may submit the account credentials to the processing server 102 during selection of the payment account to be used to fund the payment transaction. In other instances, the processing server 102 may store the account credentials (e.g., in the account profile) and may include them in the data signal electronically transmitted to the digital entity 106 or third party 108. In such embodiments, the consumer may thereby be able to select any payment account, including those not directly associated with the processing server 102, without repeatedly entering account credentials.

When the digital entity 106 or third party 108 receives the data signal, the entity may parse the data signal to obtain the data superimposed thereon, which may the payment identifier and any other suitable data, such as account and authentication credentials. The entity may use suitable methods for authentication using the account and authentication data, and, if the request is authenticated, by identify payment credentials associated with the selected payment account (e.g., using the payment identifier). The payment credentials may then be submitted to the merchant 110, directly to the payment network 112, or returned to the processing server 102, where the processing server 102 may submit the payment credentials to the merchant 110 or payment network 112.

Methods and systems discussed herein may enable a user of a consumer device 104 to access payment credentials associated with a plurality of different digital entities and electronic wallets via a single proxy electronic wallet, via use of the processing server 102. The processing server 102 may securely store data associated with the proxy electronic wallet and directly associated payment accounts, as well as data associated with paired electronic wallets and digital entity accounts and may use electronic communications in such a way that a user may be able to select payment credentials for various payment accounts without the use of multiple application programs that may utilize different methods of authentication, have different interfaces, different limitations, and may be difficult for use by the user having to remember the various interfaces, authentication methods, and associated credentials the use may need to supply. As a result, the processing server 102 and system 100 discussed herein may enable the identification of payment credentials for use in a payment transaction more efficiently than in traditional systems.

Processing Server

FIG. 2 illustrates an embodiment of the processing server 102 of the system 100. It will be apparent to persons having skill in the relevant art that the embodiment of the processing server 102 illustrated in FIG. 2 is provided as illustration only and may not be exhaustive to all possible configurations of the processing server 102 suitable for performing the functions as discussed herein. For example, the computer system 700 illustrated in FIG. 7 and discussed in more detail below may be a suitable configuration of the processing server 102.

The processing server 102 may include a receiving unit 202. The receiving unit 202 may be configured to receive data over one or more networks via one or more network protocols. In some embodiments, the receiving unit 202 may be configured to receive data over the payment rails, such as using specially configured infrastructure associated with payment networks 112 for the transmission of transaction messages that include sensitive financial data and information. In some instances, the receiving unit 202 may also be configured to receive data from consumer devices 104, digital entities 106, third parties 108, and other entities via alternative networks, such as the Internet. In some embodiments, the receiving unit 202 may be comprised of multiple units, such as different receiving units for receiving data over different networks, such as a first receiving unit for receiving data over payment rails and a second receiving unit for receiving data over the Internet. The receiving unit 202 may receive electronically data signals that are transmitted, where data may be superimposed on the data signal and decoded, parsed, read, or otherwise obtained via receipt of the data signal by the receiving unit 202, In some instances, the receiving unit 202 may include a parsing module for parsing the received data signal to obtain the data superimposed thereon.

The receiving unit 202 may be configured to receive data signals from the consumer device 104 superimposed with data selecting a payment account for use in funding a payment transaction. The receiving unit 202 may parse the received data signal to obtain data superimposed thereon, which may include a payment identifier, a wallet identifier, and any account or authentication credentials that may be used in the identification of payment credentials associated with the selected payment account. The receiving unit 202 may also be configured to receive payment credentials, such as from the digital entity 106 or third party 108. Payment credentials may be superimposed on a data signal that and may be encrypted, or the data signal itself may be encrypted. In such instances, the receiving unit 202 or other unit of the processing server 102 may include a decrypting module or engine configured to decrypt the data signal or the data superimposed thereon.

The processing server 102 may also include a processing unit 204. The processing unit 204 may be configured to perform the functions of the processing server 102 discussed herein as will be apparent to persons having skill in the relevant art. In some embodiments, the processing unit 204 may include and/or be comprised of a plurality of engines and/or modules specially configured to perform one or more functions of the processing unit 204. For example, the processing unit 204 may include a querying module configured to query databases included in the processing server 102 to identify information stored therein. In some instances, the processing unit 204 may include a parsing module or engine configured to parse data from data signals electronically received by the receiving unit 202, an encryption module or engine configured to decrypt received data or data signals or to enciypt data or data signals received or transmitted by the processing server 102, and any other modules suitable for performing the functions discussed herein.

The processing server 102 may also include an account database 208.

The account database 208 may be configured to store a plurality of account profiles 210 using an appropriate data storage format and schema. The account profiles 210, discussed in more detail below, may be configured to store data associated with a consumer device 104, the proxy electronic wallet application program, one or more

digital entities 106, and one or more paired electronic wallets. In some instances, account profiles 210 may be configured to store account credentials, authentication credentials, and payment credentials that may be used in the funding of a payment transaction.

The processing unit 204 may be configured to execute queries on the account database 208 to identify data stored therein. For instance, the processing unit 204 may be configured to identify an account profile 210 associated with a consumer device 104 and/or proxy electronic wallet application program once a selection of a payment account has been made using the respective consumer device 104 or proxy electronic wallet application program. In such an instance, a wallet identifier and payment identifier may be parsed from a data signal transmitted by the consumer device 104, and the processing unit 204 may execute a query on the account database 208 to identify an account profile 210 that includes the wallet identifier. The processing unit 204 may then identify payment credentials stored in the identified account profile 210 that are associated with the payment identifier.

The processing server 102 may further include a transmitting unit 206. The transmitting unit 206 may be configured to transmit data over one or more networks via one or more network protocols. In some embodiments, the transmitting unit 206 may be configured to transmit data over the payment rails, such as using specially configured infrastructure associated with payment networks 112 for the transmission of transaction messages that include sensitive financial data and information, such as identified payment credentials. In some instances, the transmitting unit 206 may be configured to transmit data to consumer devices 104, digital entities 106, third parties 108, merchants 110, and other entities via alternative networks, such as the Internet. In some embodiments, the transmitting unit 206 may be comprised of multiple units, such as different transmitting units for transmitting data over different networks, such as a first transmitting unit for transmitting data over the payment rails and a second transmitting unit for transmitting data over the Internet. The transmitting unit 206 may electronically transmit data signals that have data superimposed that may be parsed by a receiving computing device. In some instances, the transmitting unit 206 may include one or more modules for

superimposing, encoding, or otherwise formatting data into data signals suitable for transmission.

The transmitting unit 206 may be configured to transmit payment credentials to merchants 110 or payment networks 112 for use in funding payment transactions. Payment credentials may be superimposed on data signals electronically transmitted by the transmitting unit 206 to the appropriate entity. In some instances, the transmitting unit 206 may include an encryption module or engine for encrypting the payment credentials and/or data signal prior to transmission. In some instances, the transmitting unit 206 may electronically transmit data signals to the digital entity 106 or third party 108 to request payment credentials for submission, or to provide instructions for the submission of payment credentials for a payment transaction. Such data signals may be superimposed with the payment identifier, and, if necessary, account and/or authentication credentials. The transmitting unit 206 may also be configured to transmit data signals superimposed with account credentials to digital entities 106 and third parties 108 for use in pairing the proxy electronic wallet with additional electronic wallets and digital entity accounts, as discussed in more detail below.

The processing server 102 may also include a memory 216. The memory 216 may be configured to store data for use by the processing server 102 in performing the functions discussed herein. The memory 216 may be configured to store data using suitable data formatting methods and schema and may be any suitable type of memory, such as read-only memory, random access memory, etc. The memory 216 may include, for example, encryption keys and algorithms,

communication protocols and standards, data formatting standards and protocols, program code for the proxy electronic wallet application program and other programs, and other data that may be suitable for use by the processing server 102 in the performance of the functions disclosed herein as will be apparent to persons having skill in the relevant art.

Account Database

FIG. 3 illustrates the account database 208 of the processing server 102 for the storage of account profiles 210 associated with a proxy electronic wallet for use in identifying payment credentials for use in a payment transaction.

The account database 208 may be configured to store a plurality of account profiles 210, illustrated in FIG. 3 as account profiles 210a, 210b, and 210c.

Each account profile 210 may include a standardized data set may be store data based on one or more data storage formats and schema. As illustrated in FIG. 3, each account profile 210 may include a wallet identifier 302, authentication credentials 304, one or more account identifiers 306, one or more sets of payment account data 308, and one or more sets of paired wallet data 314.

The wallet identifier 302 may be a unique value associated with the proxy electronic wallet suitable for use in the identification of the proxy electronic wallet and/or respective account profile 210. The wallet identifier 302 may be, for example, an identification number, registration number, serial number, username, e-mail address, phone number, etc. In some instances, the wallet identifier 302 may be a device identifier associated with a consumer device 104, such as a media access control address, serial number, etc.

The authentication credentials 304 may be credentials used for authenticating a request for use of payment credentials, which may authenticate the request as coming from an authorized consumer device 104 and/or an authorized user. The authentication credentials 304 may include, for example, a personal identification number, password, biometric data, a combination thereof, or any other data that may be suitable for use in authentication. For instance, the authentication credentials 304 may include a personal identification number to authenticate a user, as well as a device fingerprint to authenticate the consumer device 104 as an authorized device.

Each account identifier 306 may be a unique value associated with a digital entity 106 with whom the user of the consumer device 104 and/or the consumer device 104 has an account. The account identifier 306 may be, for example, an identification number, registration number, username, e-mail address, phone number, etc. In some instances, each account identifier 306 included in an account profile 210 may be formatted differently, such as based on formatting rules set forth by the associated digital entity 106.

Each set of payment account data 308 may be associated with a payment account associated with the proxy electronic wallet for use in funding payment transactions and include at least a payment identifier 310 and a set of payment credentials 312. The payment identifier 310 may be a value unique to the sets of payment account data 308 suitable for use in identifying a payment account selected by the user of the consumer device 104, such as an identification number, name, image, or other suitable value. For example, each payment identifier 310 may be a nickname for the associated payment account as provided by the user of the consumer device 104 for selection of the respective payment account. The set of payment credentials 312, as discussed above, may include a primary account number, application cryptograms, and any other data necessary for the processing of a payment transaction to be funded by the payment account associated with the payment credentials. In some embodiments, the set of payment credentials 312 may be stored in a secure storage (e.g., a Secure Element) separate from the rest of the account profile 210. In such embodiments, the set of payment credentials 312 may be identified via the associated payment identifier 310.

Each set of paired wallet data 314 may be associated with an electronic wallet paired to the proxy electronic wallet. Each paired electronic wallet may be associated with a digital entity 106 or third party 108 and may include payment credentials for one or more payment accounts associated with the respective electronic wallet. Each set of paired wallet data 314 may include a paired wallet identifier 316. The paired wallet identifier may be a unique value associated with the paired electornic wallet, such as for use in the identification thereof by the associated digital entity 106, third party 108, etc. Each set of paired wallet data 314 may also include one or more sets of additional payment account data 318, each associated with a payment account associated with the paired electronic wallet. Each of the sets of additional payment account data may 318 may include at least an additional payment identifier 320 and at least one set of credentials 322. The additional payment identifier 320 may be a value similar to the payment identifiers 310, suitable for use in identifying the respective associated payment account. The set of credentials 322 may be payment credentials, account credentials, or authentication credentials.

Payment credentials may be the payment credentials suitable for use in processing a payment transaction funded using the associated payment account. The account credentials may be credentials suitable for use in authentication by the paired electronic wallet, such as to authenticate the processing server 102, consumer device 104, or user thereof as being authorized to use the associated payment account. In some embodiments, a single set of account credentials may be associated with each set of additional payment account data 318 for a set of paired wallet data 310. The authentication credentials may be used for authentication for usage of the associated payment account, such as a personal identification number, password, etc.

Process for Pairing Electronic Wallets to a Proxy Electronic Wallet

FIG. 4 illustrates a process 400 for the pairing of an electronic wallet associated with a digital entity 106 or third party 108 to the proxy electronic wallet provided by the processing server 102 in the system 100.

In step 402, the receiving unit 202 of the processing server 102 may receive a data signal electronically transmitted by the consumer device 104 that is superimposed with data comprising a pairing request. The pairing request may include at least a specific wallet identifier associated with the consumer device 104 or proxy electronic wallet application program, a set of account credentials, a paired wallet identifier 316, and information identifying a digital entity 106 or third party 108 associated with the electronic wallet to be paired. The receiving unit 202 or processing unit 204 of the processing server 102 may include a parsing module that may parse the pairing request and data included therein from the received data signal.

In step 404, the processing unit 204 (e.g., a querying module included therein) of the processing server 102 may be configured to execute a query on the account database 208 to identify an account profile 210 associated with the request where the wallet identifier 302 included in the account profile 210 corresponds to the specific wallet identifier included in the pairing request. In some embodiments, the pairing request may further include authentication credentials provided by the user of the consumer device 104 prior to submission of the pairing request. In such an embodiment, the processing unit 204 (e.g., an authentication module included therein) may authenticate the pairing request by comparing the supplied authentication credentials to the authentication credentials 304 included in the identified account profile 210. If the authentication fails, the user and/or consumer device 104 may not be authorized to pair the proxy electronic wallet and the process 400 may be stopped, and a notification transmitted (e.g., by the transmitting unit 206 of the processing server 102) to the computing device 104 indicating accordingly.

In step 406, the processing unit 204 may determine if the account credentials supplied in the pairing request are correct. In some embodiments, the processing server 102 may possess account credentials for a plurality of electronic wallets associated with various digital entities 106 and/or third parties 108, such as supplied by the respective entities for pairing. In such an embodiment, the processing unit 204 may identify (e.g., via the querying of a database configured to store the credentials) the stored account credentials using the paired wallet identifier 316 supplied in the pairing request and may compare the sets of credentials to determine if the credentials supplied in the pairing request were correct. In other embodiments, the transmitting unit 206 of the processing server 102 may electronically transmit a data signal superimposed with the paired wallet identifier and account credentials from the pairing request to the digital entity 106 or third party 108 indicated therein, and the receiving unit 202 may receive a data signal in response superimposed with data that, when parsed, may indicate if the correct account credentials were supplied.

WHAT IS CLAIMED IS:

1. A method for identifying payment credentials using a proxy electronic wallet, comprising:

storing, in an account database, a plurality of account profiles, wherein each account profile is related to a wallet account including at least

a wallet identifier,

authentication credentials,

an account identifier associated with a digital entity paired to the related wallet account, where the digital entity is one of a plurality of digital entities, one or more payment identifiers,

one or more first sets of payment credentials, where each set of the one or more first sets of payment credentials corresponds to a payment identifier of the one or more payment identifiers,

one or more paired wallet identifiers, where each paired wallet identifier is related to an additional wallet account, and, for each of the one or more paired wallet identifiers, the wallet account further including

one or more additional payment identifiers associated with the related wallet account, and

one or more additional sets of credentials associated with the related additional wallet account, where each set of the one or more additional sets of credentials corresponds to an additional payment identifier of the one or more additional payment identifiers associated with the respective related additional wallet account;

receiving, by a receiving device, an account request from a specific digital entity of the plurality of digital entities, wherein the account request includes at least a specific account identifier associated with the specific digital entity;

identifying, by a processing device, a specific account profile stored in the account database where the included account identifier corresponds to the specific account identifier included in the received account request;

transmitting, by a transmitting device, at least the one or more payment identifiers and the one or more additional payment identifiers corresponding to each of the one or more paired wallet identifiers;

receiving, by the receiving device, a payment selection, wherein the payment selection includes a specific payment identifier selected from the transmitted one or more payment identifiers and one or more additional payment identifiers

corresponding to each of the one or more paired wallet identifiers;

identifying, by the processing device, a set of credentials associated with the specific payment identifier in the specific account profile, where the set of credentials is a first set of payment credentials of the one or more first sets of payment credentials if the specific payment identifier is selected from the one or more payment identifiers, and is an additional set of credentials of one of the one or more additional sets of credentials if the specific payment identifier is selected from the one or more additional payment identifiers corresponding to each of the one or more paired wallet identifiers; and

transmitting, by the transmitting device, the identified set of credentials,

2. The method of claim 1, wherein the identified set of credentials are transmitted to the specific digital entity as a response to the received account request.

3. The method of claim 1 , wherein the identified set of credentials comprise payment credentials suitable for inclusion in a transaction message associated with a payment transaction for funding of the payment transaction.

4. The method of claim 1, wherein

each additional set of credentials comprises account credentials, and if the identified set of credentials is an additional set of credentials of one of the one or more additional sets of credentials, the identified set of credentials are transmitted to a third party associated with the wallet account related to the paired wallet identifier corresponding to the additional set of credentials.

5. The method of claim 4, further comprising:

receiving, by the receiving device, payment credentials associated with the identified set of credentials from the third party; and

transmitting, by the transmitting device, the received payment credentials.

6. The method of claim 5, wherein the received payment credentials are transmitted to the specific digital entity as a response to the received account request.

7. The method of claim 1, further comprising:

receiving, by the receiving device, a pairing request from the specific digital entity, wherein the pairing request includes at least the specific account identifier and supplied authentication credentials; and

validating, by the processing device, the supplied authentication credentials based on the authentication credentials stored in the specific account profile, wherein the specific account identifier is stored in the specific account profile as the included account identifier if validation of the supplied authentication credentials is successful.

8. The method of claim 7, further comprising:

transmitting, by the transmitting device, a notification to the specific digital entity indicating successful pairing of the specific account identifier with the specific account profile.

9. The method of claim 7, wherein receiving the pairing request and validating the supplied authentication credentials are performed prior to receiving the account request.

10. The method of claim 1, wherein

the account request further includes supplied authentication credentials, and the method further comprises:

validating, by the processing device, the supplied authentication credentials based on the authentication credentials stored in the specific account profile, wherein the one or more payment identifiers and the one or more additional payment identifiers corresponding to each of the one or more paired wallet identifiers are not transmitted if validation of the supplied authentication credentials is unsuccessful.

11. A system for identifying payment credentials using a proxy electronic wallet, comprising:

an account database configured to store a plurality of account profiles, wherein each account profile is related to a wallet account including at least

a wallet identifier,

authentication credentials,

an account identifier associated with a digital entity paired to the related wallet account, where the digital entity is one of a plurality of digital entities, one or more payment identifiers,

one or more first sets of payment credentials, where each set of the one or more first sets of payment credentials corresponds to a payment identifier of the one or more payment identifiers,

one or more paired wallet identifiers, where each paired wallet identifier is related to an additional wallet account, and, for each of the one or more paired wallet identifiers, the wallet account further including

one or more additional payment identifiers associated with the related wallet account, and

one or more additional sets of credentials associated with the related additional wallet account, where each set of the one or more additional sets of credentials corresponds to an additional payment identifier of the one or more additional payment identifiers associated with the respective related additional wallet account;

a receiving device configured to receive an account request from a specific digital entity of the plurality of digital entities, wherein the account request includes at least a specific account identifier associated with the specific digital entity;

a processing device configured to identify a specific account profile stored in the account database where the included account identifier corresponds to the specific account identifier included in the received account request; and

a transmitting device configured to transmit at least the one or more payment identifiers and the one or more additional payment identifiers corresponding to each of the one or more paired wallet identifiers, wherein

the receiving device is further configured to receive a payment selection, wherein the payment selection includes a specific payment identifier selected from the transmitted one or more payment identifiers and one or more additional payment identifiers corresponding to each of the one or more paired wallet identifiers,

the processing device is further configured to identify a set of credentials associated with the specific payment identifier in the specific account profile, where the set of credentials is a first set of payment credentials of the one or more first sets of payment credentials if the specific payment identifier is selected from the one or more payment identifiers, and is an additional set of credentials of one of the one or more additional sets of credentials if the specific payment identifier is selected from the one or more additional payment identifiers corresponding to each of the one or more paired wallet identifiers, and

the transmitting device is further configured to transmit the identified set of credentials.

12. The system of claim 11 , wherein the identified set of credentials are transmitted to the specific digital entity as a response to the received account request.

13. The system of claim 11, wherein the identified set of credentials comprise payment credentials suitable for inclusion in a transaction message associated with a payment transaction for funding of the payment transaction.

14. The system of claim 11 , wherein

each additional set of credentials comprises account credentials, and if the identified set of credentials is an additional set of credentials of one of the one or more additional sets of credentials, the identified set of credentials are transmitted to a third party associated with the wallet account related to the paired wallet identifier corresponding to the additional set of credentials.

15. The system of claim 14, wherein

the receiving device is further configured to receive payment credentials associated with the identified set of credentials from the third party, and

the transmitting device is further configured to transmit the received payment credentials.

16. The system of claim 15, wherein the received payment credentials are transmitted to the specific digital entity as a response to the received account request.

17. The system of claim 11 , wherein

the receiving device is further configured to receive a pairing request from the specific digital entity, wherein the pairing request includes at least the specific account identifier and supplied authentication credentials,

the processing device is further configured to validate the supplied authentication credentials based on the authentication credentials stored in the specific account profile, and

the specific account identifier is stored in the specific account profile as the included account identifier if validation of the supplied authentication credentials is successful.

18. The system of claim 17, wherein the transmitting device is further configured to transmit a notification to the specific digital entity indicating successful pairing of the specific account identifier with the specific account profile.

19. The system of claim 17, wherein receiving the pairing request and validating the supplied authentication credentials are performed prior to receiving the account request.

20. The system of claim 11, wherein

the account request further includes supplied authentication credentials, and the processing device is further configured to validate the supplied authentication credentials based on the authentication credentials stored in the specific account profile, and

the one or more payment identifiers and the one or more additional payment identifiers corresponding to each of the one or more paired wallet identifiers are not transmitted if validation of the supplied authentication credentials is unsuccessful.