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

Claim 0:
1. A system, comprising:
a non-transitory memory; and
one or more hardware processors coupled with the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
receiving, from a user device, a request to link a first funding instrument associated with a first payment service provider to a wallet application of the user device associated with a user, wherein a token provider server of the system is configured to provision one or more first payment tokens for use by the wallet application in association with the first funding instrument based on a linking between the first funding instrument and the wallet application;
determining that one or more second payment tokens have been issued for a second funding instrument associated with a second payment service provider linked to the wallet application, wherein each payment token in the one or more second payment tokens is usable to perform a payment transaction using the second funding instrument, but not the first funding instrument;
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, causing the token provider server to abort provisioning the one or more first payment tokens for the wallet application in association with the first funding instrument;
determining a set of payment tokens from the one or more second payment tokens to be shared between the second funding instrument and the first funding instrument based on a historic transaction ratio of transactions processed via a digital wallet server between the first funding instrument and the second funding instrument;
locking the set of payment tokens, wherein the locking the set of payment tokens prevents the digital wallet server from using the set of payment tokens;
while the set of payment tokens is locked, modifying metadata associated with the set of payment tokens that enables the set of payment tokens to be used in association with the first funding instrument or the second funding instrument; and
subsequent to the modifying the metadata associated with the set of payment tokens, unlocking the set of payment tokens.