Patent ID: 11868990
Assignee: PAYPAL, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 15:
16. A non-transitory machine-readable medium having stored therein machine-readable instructions executable to cause a machine to perform operations comprising:
receiving a request to link a first payment account associated with a first payment service provider to a wallet application of a user device associated with a user;
determining that a set of payment tokens have been issued for a second payment account associated with a second payment service provider linked to the wallet application, wherein each payment token in the set of payment tokens is usable to perform a payment transaction through the second payment account, but not the first payment account;
determining that the second payment service provider is related to the first payment service provider;
in response to determining that the second payment service provider is related to the first payment service provider, preventing a token provider server from issuing tokens for the wallet application in association with the first payment account;
determining, from the set of payment tokens, a subset of payment tokens to be shared between the second payment account and the first payment account based on a historic transaction ratio of transactions conducted via a digital wallet server between the first payment account and the second payment account;
locking the subset of payment tokens, wherein the locked subset of payment tokens is unusable by a digital wallet server for conducting any payment transaction;
while the subset of payment tokens is locked, modifying metadata associated with the subset of payment tokens to enable the subset of payment tokens to be used in association with the first payment account or the second payment account; and
subsequent to the modifying the metadata associated with the subset of payment tokens, unlocking the subset of payment tokens.