SYSTEM FOR AUTHORIZATION AND INSTANT INTEGRATION OF CREDIT CARD TO DIGITAL WALLET

摘要

Embodiments of the invention are directed to a system, method, or computer program product for security confidence calculation for digital wallet integration. In this way, the invention provides instantaneous access to new payment methods, such as credit cards with prevention of misappropriation based on user device security confidence and token presentation. As such, the system allows for instant application approval, authorization, and instant integration of credit cards to a user's digital wallet. Thus allowing a user to instantaneously use the new credit card via his/her digital wallet without having to wait for the physical card to be received and activated.

主权项

1. A system for authorization and instant integration approval, the system comprising:
a memory device with non-transitory computer-readable program code stored thereon; a communication device; a processing device operatively coupled to the memory device and the communication device within a distributive network for the approval, wherein the processing device is configured to execute the computer-readable program code to:
communicating information regarding acceptance of an application onto an online platform, wherein the online platform is accessible by a user via a username and password;receiving, based on communicating the information regarding acceptance of an application to an online platform, via a distributive network, a request from a user device for a token to be communicated to the user device for digital wallet integration;identifying, via a unique device identifier, the user device and one or more devices associated with the application;performing condition diagnostics on the user device and one or more devices associated with the application to confirm device health, wherein device health includes system checks for rooted or unrooted malware within the user device and one or more devices associated with the application;requesting generation of a token based on a security confidence rating calculated from the condition diagnostics, wherein the token comprises a credit card number, CVV number, and expiration date for digital wallet insertion of the accepted application; andstoring the token in the user device memory for digital wallet integration and use for completing a transaction using the digital wallet.