Methods and systems for wallet enrollment

Abstract

Embodiments of the present invention relate to systems, methods, processes, computer program code, and means for creating digital wallets for users. In some embodiments, digital wallets are created, at least in part, on information obtained from payment transactions conducted by users.

What is claimed is: 
     
         1 . A method of conducting a digital wallet registration, comprising:
 receiving, from a point of transaction, information associated with a payment device of a user;   receiving, from said point of transaction, information associated with a user contact preference;   provisioning a digital wallet for use by said user; and   transmitting information associated with said digital wallet to said user using said contact preference.   
     
     
         2 . The method of  claim 1 , wherein said information associated with a payment device of a user is information obtained during a transaction at a point of transaction device. 
     
     
         3 . The method of  claim 1 , further comprising:
 receiving, from said point of transaction, a user consent to utilize said information associated with said payment device to provision said digital wallet.   
     
     
         4 . The method of  claim 3 , wherein said information associated with said user contact preference and said user consent are received in a single message from said point of transaction. 
     
     
         5 . The method of  claim 1 , wherein said user contact preference is a mobile telephone number, and wherein said transmitting information associated with said digital wallet to said user further comprises at least one of (i) transmitting a text message to said user, and (ii) placing a phone call to said user. 
     
     
         6 . The method of  claim 1 , wherein said information associated with a payment device of a user is data read from at least one of: (i) a magnetic stripe of said payment device, and (ii) a memory chip of said payment device. 
     
     
         7 . The method of  claim 1 , wherein said provisioning a digital wallet for use by said user further comprises:
 assigning a proxy identifier to said payment device of said user;   storing said information associated with said payment device in a secure data store identifiable by said proxy identifier; and   associating said proxy identifier with said digital wallet.   
     
     
         8 . The method of  claim 7 , wherein said provisioning a digital wallet for use by said user further comprises:
 identifying an image associated with said payment device of said user; and   associating said image with said digital wallet.   
     
     
         9 . The method of  claim 8 , wherein said image associated with said payment device of said user is at least one of: (i) a logo of an issuer of said payment device, (ii) a logo of a payment network of said payment device, (iii) an image of a payment card graphic. 
     
     
         10 . The method of  claim 1 , wherein said transaction at a point of transaction further includes routing said information associated with a payment device with transaction data to an issuer of a payment account for authorization of said transaction. 
     
     
         11 . A method for processing wallet enrollments, comprising:
 identifying a request for a mobile wallet at a point of transaction device;   receiving consumer contact information;   prompting the consumer to present a payment card to be read;   transmitting a mobile wallet installation message to the consumer upon receipt of data from the payment card.   
     
     
         12 . The method of  claim 11 , wherein the point of transaction device includes a tablet computer having a touch screen display. 
     
     
         13 . A digital wallet enrollment system, comprising:
 a communication device to receive wallet registration request data from a registration device, including a customer contact information and payment account data;   a computer processor for executing program instructions; and   a memory, coupled to the computer processor, for storing program instructions for execution by the computer processor for:
 creating a digital wallet associated with said customer contact information and said payment account data; and 
 transmitting information associated with said digital wallet to said customer using said customer contact information. 
   
     
     
         14 . The digital wallet enrollment system of  claim 13 , wherein said payment account data is data read from a payment card presented by a customer at a merchant point of sale. 
     
     
         15 . The digital wallet enrollment system of  claim 14 , wherein said payment account data is magnetic stripe track data. 
     
     
         16 . The digital wallet enrollment system of  claim 13 , wherein said customer contact information is obtained at an enrollment device in communication with a point of sale device at said merchant location. 
     
     
         17 . The digital wallet enrollment system of  claim 13 , wherein said creating a digital wallet further comprises:
 provisioning a mobile application for use by said customer.   
     
     
         18 . The digital wallet enrollment system of  claim 17 , wherein said transmitting information associated with said digital wallet to said customer further comprises:
 transmitting information usable by said customer to install said mobile wallet application on a mobile device.   
     
     
         19 . The digital wallet enrollment system of  claim 13 , further storing program instructions for execution by the computer processor for:
 receiving, from said customer, additional information to update said digital wallet.