PROVIDING OFFERS ASSOCIATED WITH PAYMENT CREDENTIALS IN DIGITAL WALLETS

摘要

Embodiments of the invention are directed to systems, methods and computer program products for providing supplemental account information in digital wallets. An exemplary apparatus is configured to: receive a request to provide a digital wallet maintained by a digital wallet provider; authenticate at least one payment credential for use within the digital wallet; receive access to an application programming interface configured to push offers to digital wallets, wherein the application programming interface is associated with at least one database maintained by the digital wallet provider; receive, via the application programming interface one or more offers from the at least one database, wherein the offers include incentives for processing payments using the at least one payment credential associated with the digital wallet; and present, to the user on a display of the mobile device, the one or more offers.

主权项

1. A digital wallet system for use with a digital wallet associated with payment credentials, whereby the digital wallet receives offers within the digital wallet that are associated with payment credentials in the digital wallet, the system comprising:
a memory; a computing processor; and a module stored in the memory, said module comprising instruction code executable by one or more computing processors, and configured to cause the one or more computing processors to: receive authorization to associate a payment credential with a digital wallet maintained on a user's mobile device, wherein the payment credential is associated with an account maintained by a financial institution, and wherein the authorization is provided by the financial institution; receive access to an application programming interface configured to push offers to digital wallets associated with the payment credential, wherein the application programming interface is associated with at least one database maintained by the financial institution; receive, via the application programming interface from the at least one database, one or more offers, wherein the offers include at least one incentive for processing payments using the payment credential associated with the account maintained by the financial institution; and present, to the user on a display of the mobile device, the one or more offers.