Providing Payment Account Information Associated With A Digital Wallet Account To A User At A Merchant Point Of Sale Device

摘要

In an example embodiment, the user initiates a digital wallet transaction at a point of sale (“POS”) terminal of a merchant system. The POS terminal receives payment account information options associated with the user's digital wallet account from the account management system to display to the user. The user selects one or more payment account information options via a user interface of the POS terminal. The account management system receives an indication of the user's one or more selections, generates one or more payment tokens based on the corresponding selected payment account information options, and transmits the one or more payment tokens to the POS terminal for use in a transaction. The POS terminal communicates with one or more issuer systems associated with the selected payment account information options to process the transaction using corresponding payment tokens. The user receives a transaction receipt at the POS terminal.

主权项

1. A computer-implemented method to process a transaction via digital wallet payment account information of a user at a point of sale computing device of a merchant computing system, comprising:
receiving, by one or more computing devices and from a point of sale computing device associated with a merchant computing system, user identification information associated with a user and a request for payment account information associated with a digital wallet account of the user; identifying, by the one or more computing devices, the digital wallet account of the user based on the received user identification information; retrieving, by the one or more computing devices, one or more payment account options associated with the digital wallet account of the user; transmitting, by the one or more computing devices and to the point of sale computing device, the one or more payment account options for presentation by the point of sale computing device; receiving, by the one or more computing devices and from the point of sale computing device, an indication of a selection at the point of sale computing device of a particular payment account option from the one or more transmitted payment account options; generating, by the one or more computing devices, a payment token based on payment account information associated with the selected payment account option; transmitting, by the one or more computing devices, the payment token to the point of sale computing device for the point of sale computing device to process a payment transaction using the selected payment account option based on an issuer computing system associated with information in the payment token.