We claim:
1. A system, comprising:
a multi-wallet device comprising an integrated circuit (IC) to: 5
store a digital identity of a user and a plurality of wallet applications
comprising a community passport mobile wallet (“CPMW”) and a payment mobile
wallet (“PMW”), the digital identity identifying the user across the plurality of wallet
applications, the CPMW being associated with transactions involving the user to
access a community service and the PMW being pre-installed in a dormant state 10
without a payment token until activated and, when activated, is linked to a payment
account;
establish a handshake communication with a point of interaction (POI)
device to exchange application capabilities;
select the PMW, instead of the CPMW, for interacting with the POI 15
device based on the handshake communication;
initiate the PMW based on the selection; and
transmit, via the PMW, to the POI device, an identification of the
PMW and a payment token associated with the PMW.
2. The multi-wallet device of claim 1, wherein prior to activation 20
of the PMW, the IC is to:
receive, during a registration process, a payment token issued to the
user identified by the digital identity;
store the payment token to be accessible to the PMW; and
activate, responsive to receipt of the payment token, the PMW. 25
3. The multi-wallet device of claim 1, wherein to exchange
application capabilities, the IC is to provide an indication that the PMW is activated
only upon activation of the PMW.
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4. The multi-wallet device of claim 1, wherein the IC is further to:
receive, from the POI device, an indication of a load value to be loaded
onto a stored value account (“SVA”) associated with the user; and add the load value to the SVA stored locally at the IC.
5. The multi-wallet device of claim 4, wherein the load value
comprises a digital voucher or currency.
6. The multi-wallet device of claim 1, wherein the payment 5
account comprises a prepaid card account.

7. The multi-wallet device of claim 1, wherein the IC is further to:
establish a second handshake communication with a second POI
device; 10
select the CPMW instead of the PMW;
initiate the CPMW; and
transmit, to the second POI device, an identification of the selected
CPMW and a CP credential associated with the CPMW.
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8. The multi-wallet device of claim 7, wherein the IC is further to:
receive and store a CP credential that is used to authenticate the user to
a CP issuer that issued the CP credential for the user to access the community service,
wherein the CP credential comprises a virtual primary account number
(VPAN) that is recognizable via a payment network, the VPAN being associated with 20
a CP account number issued by a CP issuer that is responsible for facilitating the
community service and the VPAN encodes an identity of the CP issuer.
9. The multi-wallet device of claim 1, wherein the CPMW
comprises a health data application that interfaces with health systems, a farm data 25
application that interfaces with farming systems, an education data application that
interfaces with education systems, or a humanitarian application that interfaces with
humanitarian systems.
10. The multi-wallet device of claim 1, wherein the multi-wallet 30
device comprises a chip card form factor that includes the IC or a wearable device
form factor that includes the IC.