Systems and methods for implementing hybrid dynamic wallet tokens
US12147973B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Aug 31, 2018 |
| Grant date | Nov 19, 2024 |
| Priority date | — |
| Expiry date | Jan 4, 2040 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/401
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A system or method may be provided to implement dynamic hybrid wallet tokens. The method can includes determining to generate a hybrid wallet token based on a user request for a transaction at a user device. The method includes determining, based on a transaction type of the transaction, non-payment information of a user associated with the user device. The method includes generating a hybrid wallet token for use with a payment account associated with the user, where the generating is based on the authorization token and on the transaction type, the hybrid wallet token comprising information indicating a funding instrument associated with the user, the hybrid wallet token further comprising the non-payment information. The method also includes providing the wallet token to the user device for implementing the transaction.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.