Digital wallet system for e-governance and method therefor

Abstract

In some embodiments, a system includes a processor; and a non-transitory computer readable medium, the non-transitory computer readable medium includes code that: receives a request from a subsidy provider to generate a sub-wallet-enhanced digital wallet for a user of a mobile device; generates the sub-wallet-enhanced digital wallet requested by the subsidy provider for the user of the mobile device; generates, when a subsidy is pushed to the sub-wallet-enhanced digital wallet by the subsidy provider, a subsidy-specific sub-wallet in the sub-wallet-enhanced digital wallet, the subsidy-specific sub-wallet having a subsidy-specific virtual card that is utilized to store funds associated with the subsidy pushed to the sub-wallet-enhanced digital wallet by the subsidy provider; and utilizes, the subsidy-specific virtual card of the subsidy- specific sub-wallet to fund the sub-wallet-enhanced digital wallet to settle the subsidy-specific payment transaction for the user of the sub-wallet-enhanced digital wallet.

Description

DIGITAL WALLET SYSTEM FOR E-GOVERNANCE AND METHOD THEREFORBACKGROUND

[0001] The background description provided herein is for the purpose of generally presenting the context of the disclosure. Work of the presently named inventor(s), to the extent it is described in this background section, as well as aspects of the description that may not otherwise qualify as prior art at the time of filing, are neither expressly nor impliedly admitted as prior art against the present disclosure.

[0002] Governments that distribute subsidies to its citizens and other various entities often have difficulty preventing fraud and controlling the products and services purchased by the recipients of the government subsidies. Furthermore, subsidy recipients often do not have the time or wherewithal to monitor digital wallets associated with the government subsidies for fraud prevention and spending irregularities. For instance, a person may be purchasing food with a digital wallet and not want to spend time finding a payment card on the digital wallet to utilize for the purchase, which may lead to an accidental purchase utilizing a payment card that should not be utilized for the purchase. Thus, a need exists to provide systems that improve the user payment transaction experience while ensuring that subsidies are utilized for appropriate purposes.BRIEF DESCRIPTION OF THE DRAWINGS

[0003] FIG. 1 illustrates a block diagram of a payment transaction system wherein transactions facilitated by a sub-wallet-enhanced digital wallet may be processed in accordance with some embodiments.

[0004] FIG. 2 illustrates a block diagram of a mobile device utilized in the payment transaction system of FIG. 1 in accordance with some embodiments.

[0005] FIG. 3 illustrates a block diagram of a sub-wallet-enhanced digital wallet generated by the sub-wallet-enhanced digital wallet provider of FIG. 4 for the mobile device of FIG. 2 in accordance with some embodiments.

[0006] FIG. 4 illustrates a block diagram of a sub-wallet-enhanced digital wallet provider utilized to generate the sub-wallet-enhanced digital wallet for the mobile device of FIG. 2 in accordance with some embodiments.

[0007] FIG. 5 is a flow diagram illustrating a sub-wallet-enhanced digital wallet generation method in accordance with some embodiments.DETAILED DESCRIPTION

[0008] Prior to discussing the details of various embodiments described herein, a description of some terms may be helpful in understanding the various embodiments.

[0009] In some embodiments, a subsidy provider is a government or other entity having computer systems configured to provide a subsidy to a user 101 of a mobile device 110 utilizing sub-wallet-enhanced digital wallet 171, described further herein. In some embodiments, an entity may be, for example, a non-governmental organization (NGO), a private enterprise, a trust, etc. In some embodiments, a subsidy provider computer is a computer utilized by a subsidy provider that is configured to communicate and perform subsidy provider operations in payment transaction system 100.

[0010] In some embodiments, a subsidy is monetary assistance (e.g., monetary funds, etc.) provided by a subsidy provider to a user 101 of mobile device 1 10 to conduct subsidy-specific payment transactions of subsidy-specific goods and / or services utilizing sub-wallet-enhanced digital wallet 171.

[0011] In some embodiments, a subsidy-specific payment transaction is a payment transaction conducted utilizing sub-wallet-enhanced digital wallet 171 in payment transaction system 100 for a purchase of a subsidy-specific good or a subsidy-specific service authorized by the subsidy provider, described further in detail herein.

[0012] In some embodiments, user 101 may be, for example, a person or a representative of a business, industry, or sector of an economy that utilizes sub -wallet-enhanced digital wallet 171 of mobile device 110 to conduct payment transactions, including subsidy-specific payment transactions, described further in detail herein.

[0013] In some embodiments, an “application” may be computer code or other data stored on a computer readable medium (e.g., memory element or secure element) that may be executable by a processor to complete a task.

[0014] In some embodiments, an “applet” may be a simplified application that may be programmed to perform a single or limited specific number of tasks, or which may run within the scope of a larger program or application.

[0015] In some embodiments, a “mobile device”, such as, for example, mobile device 110, may be an electronic device that may be transported and operated by a user 101, which may also provide remote communication capabilities to a network. Examples of remote communication capabilities include using a mobile phone (wireless) network, wireless data network (e.g., 3G, 4G or similar networks), Wi-Fi, Wi-Max, near-field communication (NFC), bluetooth, or any other communication medium that may provide access to a network such as the Internet or a private network. Examples of mobile devices include mobile phones (e.g., cellular phones), PDAs, tablet computers, net books, laptop computers, personal music players, hand-held specialized readers, etc. In some embodiments, mobile device may include any suitable hardware and software forperforming such functions, and may also include multiple devices or components (e.g., when a device has remote access to a network by tethering to another device — i.e., using the other device as a modem — both devices taken together may be considered a single mobile device). In some embodiments, a mobile device may also include a verification token in the form of, for instance, a secured hardware or software component within the mobile device and / or one or more external components that may be coupled to the mobile device. In some embodiments, mobile device 110 may be configured to utilize a QR code to execute QR code-based payments via merchant computer 130 utilizing embodiments described herein. In some embodiments, mobile device 110 may be configured to scan a QR code and contact merchant computer 130 to execute the QR- code based payments.

[0016] In some embodiments, an “access device”, such as, for example, access device 120, may be any suitable device for communicating with a merchant computer 130 or payment processing network, and for interacting with a payment device, a user computer apparatus, and / or a user mobile device. In some embodiments, an access device may generally be located in any suitable location, such as at the location of a merchant. In some embodiments, an access device may be in any suitable form. Some examples of access devices include POS devices, cellular phones, PDAs, personal computers (PCs), tablet PCs, hand-held specialized readers, set-top boxes, electronic cash registers (ECRs), automated teller machines (ATMs), virtual cash registers (VCRs), kiosks, security systems, access systems, Websites, and the like. In some embodiments, an access device may use any suitable contact or contactless mode of operation to send or receive data from, or associated with, a payment device and / or a mobile device. In some embodiments, where an access device may comprise a POS terminal, any suitable POS terminal may be used and may include a reader, a processor, and a computer-readable medium. In some embodiments,a reader may include any suitable contact or contactless mode of operation. For example, exemplary card readers can include radio frequency (RF) antennas, optical scanners, bar code readers, or magnetic stripe readers to interact with a payment device and / or mobile device. In the examples provided herein, an access device and merchant computer may be referred to as separate system components. It should be appreciated, however, that the access device and merchant computer may be a single component, for example, one merchant communication device or POS device. In some embodiments, access device may be a device configured to display a QR code (e.g., dynamic QR code or static QR code) for utilization by mobile device 110.

[0017] In some embodiments, a “merchant” is typically an entity that engages in transactions involving the sale of goods and / or services. In some embodiments, merchant computer 130 is a computer utilized by the merchant that is configured to communicate and perform merchant operations in payment transaction system 100.

[0018] In some embodiments, an “acquirer” is typically a business entity (e g., a commercial bank) that has a business relationship with a particular merchant or other entity. Some entities may perform both issuer and acquirer functions. Some embodiments may encompass such single entity issuer-acquirers. Each of the entities may comprise one or more computer apparatuses to enable communications, or to perform one or more of the functions described herein. In some embodiments, acquirer computer 140 is a computer utilized by the acquirer that is configured to communicate and perform acquirer operations in payment transaction system 100.

[0019] In some embodiments, a payment processing network is a payment processing entity configured to utilize a payment processing network computer 150 to generate the sub-wallet- enhanced digital wallet 171 for the user 101 of mobile device 110 in payment transaction system100. In some embodiments, payment processing network computer 150 may include a processor and a memory that includes sub-wallet-enhanced digital wallet provider 170. In some embodiments, the processor in payment processing network computer 150 may access the memory (or another suitable data storage region or element or non-transitory computer-readable medium) to retrieve instructions or data used in executing the instructions. In some embodiments, the payment processing network may include data processing subsystems, networks, and operations used to support and deliver the sub-wallet-enhanced digital wallet 171, certificate authority services, authorization services, exception file services, transaction scoring services, and clearing and settlement services. An exemplary payment processing network may include VisaNet™. Payment processing networks such as, for example, VisaNet™, are able to process sub-wallet-enhanced digital wallet transactions, credit card transactions, debit card transactions, and other types of commercial transactions. VisaNet™, in particular, includes a VIP system (Visa Integrated Payments system) which processes authorization requests and a Base II system which performs clearing and settlement services.

[0020] In some embodiments, an “issuer” may typically refer to a business entity (e.g., a bank) that maintains financial accounts for a user 101 and often issues a credit or debit card to the user101. In some embodiments, issuer computer 160 is a computer utilized by the issuer that is configured to communicate and perform issuer operations in payment transaction system 100.

[0021] FIG. 1 illustrates a payment transaction system 100 in accordance with some embodiments. In some embodiments, the payment transaction system 100 is configured to allow a user 101 of mobile device 110 to utilize a sub-wallet-enhanced digital wallet 171 generated by sub-wallet-enhanced digital wallet provider 170 to perform subsidy-specific payment transactions authorized by subsidy providers 180. In some embodiments, a subsidy-specificpayment transaction is a payment transaction conducted utilizing sub-wallet-enhanced digital wallet 171 in payment transaction system 100 for a purchase of a subsidy-specific good or a subsidy-specific service authorized by a subsidy provider of subsidy providers 180. In some embodiments, utilizing sub-wallet-enhanced digital wallet 171, user 101 is able to purchase, in addition to non-subsidy-specific goods or services, subsidy-specific goods or services without having to manually select a payment card or other form of payment on mobile device 110, thereby reducing, for example, a need for additional processing and / or hardware required by mobile device 110 and / or payment processing network computer 150 to generate and process the payment cards individually. In some embodiments, as an improvement over other digital wallet systems, user 101 merely utilizes sub-wallet-enhanced digital wallet 171 to purchase the subsidyspecific goods or services, and, a subsidy-specific virtual card of sub-wallet-enhanced digital wallet 171 generated by sub-wallet-enhanced digital wallet provider 170 is utilized to fund the sub-wallet-enhanced digital wallet 171 for the purchase of the subsidy-specific goods or services. In addition, the sub-wallet-enhanced digital wallet provider 170 is configured to prevent misuse of the subsidy by, for example, preventing the subsidy from being utilized to purchase goods or services not authorized by a subsidy provider of subsidy providers 180 that provided the subsidy to the user 101.

[0022] In some embodiments, payment transaction system 100 includes a mobile device 110, an access device 120, a merchant computer 130, an acquirer computer 140, a payment processing network computer 150, an issuer computer 160, and subsidy providers 180. In some embodiments, subsidy providers 180 includes a subsidy provider 181, a subsidy provider 182, and a subsidy provider 183. In some embodiments, subsidy providers 180 may include a greater number or lesser number of subsidy providers depending on the number of subsidy providers inpayment transaction system 100. In some embodiments, mobile device 110 is communicatively coupled to access device 120, access device 120 is communicatively coupled to mobile device 110 and merchant computer 130, merchant computer 130 is communicatively coupled to access device 120 and acquirer computer 140, acquirer computer 140 is communicatively coupled to merchant computer 130 and payment processing network computer 150, payment processing network computer 150 is communicatively coupled to subsidy provider computers of subsidy providers 180, issuer computer 160, and acquirer computer 140.

[0023] In some embodiments, mobile device 110 is a communication device utilized by user 101 to perform, in addition to traditional digital payment transactions, subsidy-specific payment transactions utilizing sub-wallet-enhanced digital wallet 171. In some embodiments, sub-wallet- enhanced digital wallet 171 is a sub-wallet enhanced digital wallet application generated by sub- wallet-enhanced digital wallet provider 170 that includes subsidy-specific virtual card / s in subsidy-specific sub-wallets that are utilized to conduct the subsidy-specific payment transactions for user 101, illustrated by way of example in FIG. 3. In some embodiments, the subsidy-specific virtual cards are configured to fund the sub-wallet-enhanced digital wallet 171 during the purchase of a subsidy-specific good or service associated with a subsidy provided by a subsidy provider of subsidy providers 180 (e.g., subsidy provider 181, subsidy provider 182, and / or subsidy provider 183), with each subsidy-specific virtual card of sub-wallet-enhanced digital wallet 171 being associated with a specific subsidy (e.g., a specific subsidy of subsidies 190).

[0024] In some embodiments, as described further in detail with reference to FIG. 4, in order to generate the sub-wallet-enhanced digital wallet 171 for installation by user 101 on mobile device110, sub-wallet-enhanced digital wallet provider 170 of payment processing network computer150 receives a sub-wallet-enhanced digital wallet generation request from a subsidy provider of subsidy providers 180 to generate the sub-wallet-enhanced digital wallet 171 for user 101 of mobile device 110. In some embodiments, the sub-wallet-enhanced digital wallet provider 170 is executable code configured to generate sub-wallet-enhanced digital wallet 171 with a subsidyspecific virtual card in a subsidy-specific sub-wallet such that user 101 of the sub-wallet- enhanced digital wallet 171 is able to utilize the sub-wallet-enhanced digital wallet 171 to conduct the subsidy-specific payment transactions, described further in detail with reference to FIG. 2 - FIG. 5. In some embodiments, the sub -wallet-enhanced digital wallet generation request is a request message received at sub-wallet-enhanced digital wallet provider 170 from a subsidy provider of subsidy providers 180 that is configured to indicate to sub-wallet-enhanced digital wallet provider 170 to generate a sub-wallet-enhanced digital wallet 171 for user 101 of mobile device 110, described further in detail with reference to FIG. 4.

[0025] In some embodiments, after the sub-wallet-enhanced digital wallet provider 170 of payment processing network computer 150 receives the sub-wallet-enhanced digital wallet generation request from a subsidy provider of subsidy providers 180, sub-wallet-enhanced digital wallet provider 170 generates the sub-wallet-enhanced digital wallet 171. In some embodiments, the sub-wallet-enhanced digital wallet provider 170 generates the sub-wallet-enhanced digital wallet 171 according to the subsidy provider sub-wallet-enhanced digital wallet information and user sub-wallet-enhanced digital wallet information provided in the sub-wallet-enhanced digital wallet generation request, described further in detail with reference to FIG. 4. In some embodiments, after the sub-wallet-enhanced digital wallet 171 is generated by sub-wallet- enhanced digital wallet provider 170, the sub-wallet-enhanced digital wallet 171 may be installedby user 101 onto mobile device 1 10 (as illustrated in FIG. 1) to purchase goods and / or services, such as those authorized for purchase by a subsidy provider of subsidy providers 180.

[0026] In some embodiments, after the sub-wallet-enhanced digital wallet 171 is generated by sub-wallet-enhanced digital wallet provider 170, the sub-wallet-enhanced digital wallet 171 is installed, at the request of user 101, onto mobile device 110 utilizing sub-wallet-enhanced digital wallet provider 170. In some embodiments, as part of the installation process, user 101 provides user sub-wallet-enhanced digital wallet information to sub -wallet-enhanced digital wallet provider 170 via mobile device 110. In some embodiments, user sub-wallet-enhanced digital wallet information is information associated with user 101 that, in addition to having been provided to and utilized previously by subsidy provider and / or sub-wallet-enhanced digital wallet provider 170 to generate the sub-wallet-enhanced digital wallet 171, is utilized for sub- wallet-enhanced digital wallet provider 170 to authenticate the user 101. In some embodiments, the user sub-wallet-enhanced digital wallet information may include, for example, personal information of user 101, bank account information of user 101, and payment card information of user 101, etc.

[0027] In some embodiments, personal information of user 101 may include a name of the user 101, a social security number of user 101, or other personal information required to generate the sub-wallet-enhanced digital wallet 171 for use by user 101.

[0028] In some embodiments, bank account information of user 101 may include bank account information required to generate the sub-wallet-enhanced digital wallet 171. In some embodiments, bank account information may include, for example, a bank account number associated with a bank account of user 101, a routing number associated with the bank account of user 101, etc. In some embodiments, the funds associated with the bank account may beconsidered general funds utilized as a default payment source when the goods and / or services being purchased by user 101 are not subsidy-specific goods and / or services.

[0029] In some embodiments, payment card information may include a PAN (primary account number or “account number”) associated with a payment card of user 101, a name of user 101, an expiration date of the payment card, CVV (card verification value), etc.

[0030] In some embodiments, the funds associated with the payment card may be considered a general fund that is utilized as a default payment source when the goods and / or services being purchased by user 101 are not subsidy-specific goods and / or services.

[0031] In some embodiments, user 101 may provide user sub-wallet-enhanced digital wallet information directly to a subsidy provider of subsidy providers 180 that has assigned and directed a subsidy of subsidies 190 for use by user 101 for subsidy-specific payment transactions associated with subsidy-specific goods and / or services. In some embodiments, the subsidy providers 180 may provide the sub-wallet-enhanced digital wallet information to sub-wallet- enhanced digital wallet provider 170 for installation and configuration of the sub-wallet- enhanced digital wallet 171.

[0032] In some embodiments, upon receiving the user sub-wallet-enhanced digital wallet information, sub-wallet-enhanced digital wallet provider 170 configures and installs the sub- wallet-enhanced digital wallet 171 onto mobile device 110 such that the sub-wallet-enhanced digital wallet 171 may be utilized to perform subsidy-specific payment transactions for user 101. In some embodiments, as stated previously, a subsidy-specific payment transaction is a payment transaction conducted in payment transaction system 100 for a purchase of a subsidy-specific good or a subsidy-specific service authorized by the subsidy provider, described further in detail herein. In some embodiments, the subsidy-specific payment transactions may be, for example,purchasing subsidy-specific goods and / or services using sub-wallet-enhanced digital wallet 171 in payment transaction system 100.

[0033] In some embodiments, after the sub-wallet-enhanced digital wallet 171 is installed onto mobile device 110 and configured for use by user 101 by sub-wallet-enhanced digital wallet provider 170, user 101 may utilize sub-wallet-enhanced digital wallet 171 of mobile device 110 to conduct both traditional payment transactions and subsidy-specific payment transactions at a merchant associated with access device 120 and merchant computer 130. For example, in some embodiments, user 101 taps the sub-wallet-enhanced digital wallet 171 of mobile device 110 against an NFC reader in the access device 120 to purchase goods and / or services.

[0034] In some embodiments, upon tapping of the sub-wallet-enhanced digital wallet 171 of mobile device 110 against access device 120, a subsidy account authorization request is generated by access device 120 and forwarded to sub-wallet-enhanced digital wallet provider 170 of payment processing network computer 150 via merchant computer 130 and acquirer computer 140. In some embodiments, a subsidy account authorization request is an electronic authorization message that is sent to sub-wallet-enhanced digital wallet provider 170 of payment processing network computer 150 via acquirer computer 140 to authorize the payment transaction being conducted by user 101. In some embodiments, the subsidy account authorization request may include, in addition to an issuer account identifier that may be associated with a payment device or payment account, a subsidy account identifier that may be associated with a subsidy account associated with a subsidy provided by a subsidy provider of subsidy provider 180. In some embodiments, instead of tapping the sub-wallet-enhanced digital wallet 171 of mobile device 110 against an NFC reader in the access device 120 to initiate the purchase goods and / or services, user 101 may, for example, scan a merchant QR code utilizingmobile device 110 at access device 120, utilize a QR code generated by mobile device 110 scanned by access device 120, utilize a physical card (e.g., debit card) associated with the subwallet-enhanced digital wallet 171, or utilize an inapp payment application on mobile device 110.

[0035] In some embodiments, although subsidy account authorization request includes the subsidy account identifier, the subsidy account authorization request may comply with ISO 8583, which is a standard for systems that exchange electronic transaction information associated with a payment made by a user 101 using a payment device or payment account. In some embodiments, the subsidy account authorization request may include additional data elements corresponding to “identification information”. For example, in some embodiments, subsidy account authorization request may include transaction information, such as, for example, information associated with a current payment transaction, such as the transaction amount, merchant identifier, merchant location, a merchant category code (MCC) for the good / s and / or service / s being purchased, as well as any other information that may be utilized in determining whether to identify and / or authorize a payment transaction. In some embodiments, the subsidy account authorization request may also include other information such as information that identifies the access device 120 that generated the subsidy account authorization request, information about the location of the access device, etc.

[0036] In some embodiments, after receiving the subsidy account authorization request, subwallet-enhanced digital wallet provider 170 of payment processing network computer 150 determines whether the goods and / or services associated with the subsidy account authorization request qualify as approved subsidy-specific goods and / or services allowed by the associated subsidy provider. In some embodiments, the sub-wallet-enhanced digital wallet provider 170determines whether the goods and / or services being purchased qualify as approved subsidyspecific goods and / or services by performing, as part of a subsidy-specific payment transaction assessment, a subsidy-specific MCC assessment of the MCCs associated with the goods and / or services being purchased by user 101. In some embodiments, sub -wallet-enhanced digital wallet provider 170 performs the subsidy-specific MCC assessment by comparing the MCCs associated with the goods and / or services being purchased by user 101 (indicated in the subsidy account authorization request) with subsidy-specific approved MCCs associated with the subsidy provided by the subsidy provider. In some embodiments, when sub-wallet-enhanced digital wallet provider 170 determines that the MCCs of the goods and / or services being purchased match with subsidy-specific approved MCCs, the payment transactions associated with the approved MCCs (e.g., subsidy-specific payment transactions) of the subsidy account authorization request are authorized, an affirmative authorization response is sent to the merchant computer 130 and access device 120, and the subsidy-specific virtual card of the subsidy-specific sub-wallet associated with the approved subsidy-specific MCCs is utilized to purchase the authorized subsidy-specific goods and / services and settle the subsidy-specific payment transactions via payment processing network computer 150.

[0037] In some embodiments, when the MCC of the goods and / or services being purchased does not match with a subsidy-specific approved MCC, the payment transactions associated with the non-subsidy-specific goods and / or services of the subsidy account authorization request are not authorized to utilize the subsidy-specific virtual card and sub-wallet-enhanced digital wallet provider 170 forwards the subsidy account authorization request to the issuer bank associated with a default bank account or payment card associated with the sub-wallet-enhanced digital wallet provider 170. For example, in some embodiments, when sub-wallet-enhanced digitalwallet provider 170 determines that the payment transaction associated with the subsidy account authorization request is not associated with a subsidy authorized by subsidy providers 180, the sub-wallet-enhanced digital wallet provider 170 may utilize a bank account or a payment card of user 101 to complete the payment for the non-subsidy-specific goods and / or services according to standard payment transaction authorization techniques.

[0038] In some embodiments, utilizing either the payment card or bank account selected by the user 101, payment processing network computer 150 forwards the subsidy account authorization request to the corresponding issuer computer 160. In some embodiments, instead of utilizing either the payment card or bank account selected by the user 101, payment processing network 150 may utilize the payment card or bank account selected by sub-wallet-enhanced digital wallet provider 170 or sub-wallet-enhanced digital wallet 171. In some embodiments, after the issuer computer 160 receives the subsidy account authorization request, the issuer computer 160 sends an authorization response back to the payment processing network computer 150 to indicate whether the current transaction is authorized (or not authorized).

[0039] In some embodiments, an authorization response may be an electronic message reply to subsidy account authorization request generated by an issuing financial institution, subsidy provider, or a payment processing network that indicates whether the transaction is authorized or not authorized. In some embodiments, the authorization response may include, by way of example only, one or more of the following status indicators: Approval — transaction was approved; Decline — transaction was not approved; or Call Center — response pending more information, merchant must call the toll-free authorization phone number. In some embodiments, authorization response may also include an authorization code, which may be a code provided to the merchant computer 130 that indicates approval or non-approval of the transaction. In someembodiments, sub-wallet-enhanced digital wallet provider 170 of payment processing network computer 150 may generate or forward the authorization response to the merchant. In some embodiments, payment processing network computer 150 then forwards the authorization response message back to access device 120 via merchant computer and acquirer computer 140 following the traditional authorization process.

[0040] In some embodiments, after the merchant computer 130 receives the authorization response, the merchant computer 130 provides the authorization response to user 101. The response message may be displayed by the access device 120, or may be printed out on a physical receipt.

[0041] In some embodiments, after authorization of non-subsidy-specific payment transactions, a normal clearing and settlement process may be conducted by the payment processing network computer 150. In some embodiments, a clearing process is a process of exchanging financial details between an acquirer and an issuer to facilitate posting to a payment card or bank account of user 101.

[0042] FIG. 2 illustrates a block diagram of a mobile device 110 of FIG. 1 in accordance with some embodiments. In this exemplary embodiment, a more detailed view of components of the exemplary mobile device 110 of FIG. 1 is illustrated. In some embodiments, mobile device 110 includes a processor 214, a memory 112, an antenna 205, and a contactless element 206. In some embodiments, memory 112 of mobile device 110 may include sub-wallet-enhanced digital wallet 171 generated by sub-wallet-enhanced digital wallet provider 170 that is utilized by user 101 to purchase subsidy-specific goods and / or services as described herein.

[0043] In some embodiments, mobile device 110 includes processor 214 that may access a memory 212 (or another suitable data storage region or element) to retrieve instructions or dataused in executing the instructions. In some embodiments, in addition to sub-wallet-enhanced digital wallet 171, memory 212 may store information such as financial information, serial numbers, mobile account information, and any other suitable information. In some embodiments, in general, the information stored in memory 212 may be transmitted by mobile device 110 (such as to an access device), via any suitable method, including through the use of antenna 205 or a contactless element 206.

[0044] In some embodiments, antenna 205 may be operatively coupled to the processor 214 and may provide the mobile device 110 with the ability to communicate through a communication channel (e.g., long range communication channel) with a mobile network operator. In some embodiments, contactless element 206 may also be operatively coupled to the processor 214 and may provide the mobile device 110 with the ability to communicate through a shorter range communication channel (e.g., with NFC) with an access device such as a POS terminal.

[0045] In some embodiments, memory 212 may store instructions for sub-wallet-enhanced digital wallet 171. In some embodiments, mobile device 110 may include additional mobile applications installed or stored on memory 212, including those necessary to ensure the proper functioning of sub -wallet-enhanced digital wallet 171, and is not limited to that shown in FIG. 2. In some embodiments, sub-wallet-enhanced digital wallet 171 may provide a user interface for user 101 to provide input and initiate, facilitate, and manage transactions using the mobile device 110. In some embodiments, the transactions may include contactless transactions, e-commerce transactions, subsidy-specific payment transactions, or any other suitable transactions, as one of ordinary skill may recognize.

[0046] FIG. 3 illustrates the sub-wallet-enhanced digital wallet 171 in accordance with some embodiments. In some embodiments, sub-wallet-enhanced digital wallet 171 is a sub-wallet 1enhanced digital wallet application generated by sub-wallet-enhanced digital wallet provider 170 that includes subsidy-specific virtual cards in subsidy-specific sub-wallets that are utilized to conduct subsidy-specific payment transactions for user 101. In some embodiments, each subsidy-specific sub-wallet and subsidy-specific virtual card of sub-wallet-enhanced digital wallet 171 is associated with a subsidy provider of subsidy providers 180 and a subsidy of subsidies 190 provided by the subsidy provider for use by the user 101 to purchase subsidyspecific goods and / or services. In some embodiments, the subsidy-specific virtual cards of the subsidy-specific sub-wallets are configured to fund the sub-wallet-enhanced digital wallet 171 upon use of the sub-wallet-enhanced digital wallet 171 to purchase a subsidy-specific good and / or service.

[0047] In some embodiments, the sub-wallet-enhanced digital wallet 171 includes a subsidyspecific sub-wallet 351, a subsidy-specific sub-wallet 352, and a subsidy-specific sub-wallet 353. In some embodiments, the subsidy-specific sub-wallet 351 includes a subsidy-specific virtual card 361, subsidy-specific sub-wallet 352 includes a subsidy-specific virtual card 362, and subsidy-specific sub-wallet 353 includes a subsidy-specific virtual card 363. In some embodiments, an additional number or a lesser number of subsidy-specific sub-wallets and / or subsidy-specific virtual cards may be included in sub-wallet-enhanced digital wallet 171 depending on, for example, the number of subsidy providers of subsidy providers 180 illustrated in FIG. 1. In some embodiments, a subsidy of subsidies 190 must be utilized for the purchase of a subsidy-specific good and / or service designated by the associated subsidy provider of subsidy providers 180.

[0048] In some embodiments, a subsidy-specific sub-wallet is a sub-sub-wallet-enhanced digital wallet application in a sub-wallet- enhanced digital wallet 171 that includes a subsidy-specificvirtual card that is configured to fund sub-wallet- enhanced digital wallet 171 upon purchase of a subsidy-specific good and / or service by user 101 during a subsidy-specific payment transaction. Examples of subsidy-specific sub-wallets include subsidy-specific sub-wallet 351, subsidyspecific sub-wallet 352 and subsidy-specific sub-wallet 353.

[0049] In some embodiments, subsidy-specific virtual card is a subsidy specific virtual card that, in addition to being configured to store funds associated with a subsidy of subsidies 190 pushed to the subsidy-specific virtual card by a subsidy provider of subsidy providers 180, is configured to fund sub-wallet-enhanced digital wallet 171 upon purchase of a subsidy-specific good and / or service by user 101 during a subsidy-specific payment transaction. Examples of subsidy-specific virtual cards include subsidy-specific virtual card 361, subsidy-specific virtual card 362, and subsidy-specific virtual card 363.

[0050] In some embodiments, the subsidy-specific virtual card 361 is a subsidy specific virtual card that is configured to store funds associated with subsidy 191 provided by the subsidy provider 181. For example, in some embodiments, the subsidy-specific virtual card 361 is configured to be utilized to fund the sub-wallet-enhanced digital wallet 171 when a subsidyspecific payment transaction occurs using the sub-wallet-enhanced digital wallet 171 that is associated with the subsidy 191 provided by the subsidy provider 181.

[0051] In some embodiments, the subsidy-specific virtual card 362 is a subsidy specific virtual card that is configured to store funds associated with subsidy 192 provided by the subsidy provider 182. In some embodiments, the subsidy-specific virtual card 362 is configured to be utilized to fund the sub-wallet-enhanced digital wallet 171 when a subsidy-specific payment transaction occurs using the sub -wallet-enhanced digital wallet 171 that is associated with the subsidy 192 provided by the subsidy provider 182.

[0052] In some embodiments, the subsidy-specific virtual card 363 is a subsidy specific virtual card that is configured to store funds associated with subsidy 193 provided by the subsidy provider 183. In some embodiments, the subsidy-specific virtual card 363 is configured to be utilized to fund the sub-wallet-enhanced digital wallet 171 when a subsidy-specific payment transaction occurs using the sub -wallet-enhanced digital wallet 171 that is associated with the subsidy 193 provided by the subsidy provider 183.

[0053] In some embodiments, utilizing the sub-wallet-enhanced digital wallet 171, the subsidy providers 180 are able to control the dispersion of funds to the user 101 of mobile device 110 and monitor the spending of the user 101 of the sub-wallet-enhanced digital wallet 171 such that the user 101 does not spend the appropriated funds on merchandise or services not approved by the sub-wallet-enhanced digital wallet provider 170. In addition, utilizing the sub-wallet-enhanced digital wallet 171, user 101 does not have to manually select the appropriate subsidy-specific sub-wallet of sub-wallet-enhanced digital wallet 171 that maps to the appropriate subsidy to purchase goods or services, as the funds associated with the subsidy are automatically transferred from an associated subsidy-specific virtual card to the sub-wallet-enhanced digital wallet 171 upon the purchase of a subsidy-specific good and / or service utilizing the sub-wallet-enhanced digital wallet 171. In some embodiments, the manner in which sub-wallet-enhanced digital wallet 171 is generated is described further herein with respect to FIG. 4 and FIG. 5.

[0054] FIG. 4 illustrates a block diagram of sub-wallet-enhanced digital wallet provider 170 in accordance with some embodiments. In some embodiments, the sub-wallet-enhanced digital wallet provider 170 is executable code configured to generate sub-wallet-enhanced digital wallet 171 for user 101 of mobile device 110 to conduct subsidy-specific payment transactions. In some embodiments, sub-wallet-enhanced digital wallet provider 170 includes a sub-wallet-enhanceddigital wallet generator 420 that is configured to generate the sub-wallet-enhanced digital wallet 171. In some embodiments, as stated previously, sub-wallet-enhanced digital wallet 171 is a subwallet-enhanced digital wallet generated by sub-wallet-enhanced digital wallet provider 170 that includes a subsidy-specific sub-wallet (e.g., subsidy-specific sub-wallet 351, subsidy-specific sub-wallet 352, and / or subsidy-specific sub-wallet 353) associated with a subsidy-specific virtual card (e.g., subsidy-specific virtual card 361, subsidy-specific virtual card 362, and / or subsidyspecific virtual card 363). In some embodiments, subsidy-specific virtual cards are configured to fund the sub-wallet-enhanced digital wallet 171 upon purchase of a subsidy-specific good and / or service by user 101. In some embodiments, utilizing the sub-wallet-enhanced digital wallet 171, user 101 is able to utilize the sub-wallet-enhanced digital wallet 171 to purchase subsidy-specific goods and / or services without having to select a payment card to fund the subsidy-specific payment transaction, as the purchase is automatically associated with a subsidy (e.g., a subsidy of subsidies 190) and the subsidy-specific virtual card automatically funds the sub-wallet- enhanced digital wallet 171 to settle the subsidy-specific payment transaction.

[0055] In some embodiments, as stated previously, in order to generate the sub-wallet-enhanced digital wallet 171 for user 101, sub-wallet-enhanced digital wallet generator 420 of sub-wallet- enhanced digital wallet provider 170 receives a sub-wallet-enhanced digital wallet generation request 441 from subsidy provider 181 to generate the sub-wallet-enhanced digital wallet 171 for user 101 of mobile device 110. In some embodiments, the sub-wallet-enhanced digital wallet generation request 441 is a request message received from a subsidy provider of subsidy providers 180 to sub-wallet-enhanced digital wallet generator 420 that is configured to indicate to sub-wallet-enhanced digital wallet provider 170 to generate a sub-wallet-enhanced digital wallet 171 for user 101 of mobile device 110. In some embodiments, the sub-wallet-enhanceddigital wallet generation request 441 may be a request to configure a sub-wallet-enhanced digital wallet 171 for a user 101 that has been previously generated by sub-wallet-enhanced digital wallet generator 420.

[0056] In some embodiments, the sub-wallet-enhanced digital wallet generation request 441 provided to sub-wallet-enhanced digital wallet provider 170 includes sub-wallet-enhanced digital wallet information required for sub-wallet-enhanced digital wallet generator 420 to generate sub- wallet-enhanced digital wallet 171 for user 101 of mobile device 110. In some embodiments, the sub-wallet-enhanced digital wallet information is information required by the sub-wallet- enhanced digital wallet generator 420 to generate the sub-wallet-enhanced digital wallet 171 associated with user 101 for a subsidy provider of subsidy providers 180. In some embodiments, sub-wallet-enhanced digital wallet generation request 441 may include, for example, subsidy provider sub-wallet-enhanced digital wallet information and user sub-wallet-enhanced digital wallet information.

[0057] In some embodiments, the subsidy provider sub-wallet-enhanced digital wallet information may include, for example, subsidy provider account information, subsidy provider subsidy information, etc. In some embodiments, a subsidy provider account is an account, such as a bank account, that is configured to store a subsidy associated with the subsidy prior to being transferred to or pushed to sub-wallet-enhanced digital wallet 171.

[0058] In some embodiments, the subsidy provider account information is information required to transfer or push funds from a subsidy provider account of the subsidy provider requesting the sub-wallet-enhanced digital wallet 171 to the sub-wallet-enhanced digital wallet 171 requested by the subsidy provider. For example, subsidy provider account information may include an account number of a subsidy provider account (or subsidy provider bank account) associated thesubsidy being provided by the subsidy provider, a routing number associated with the subsidy provider account associated with the subsidy being provided by the subsidy provider, a subsidy identification number identifying the subsidy being provided to sub -wallet-enhanced digital wallet 171, etc. In some embodiments, the subsidy provider account (or associated subsidy provider bank account) may be linked to the sub-wallet-enhanced digital wallet 171 such that a subsidy-specific virtual card (e.g., subsidy-specific virtual card 361, subsidy-specific virtual card 362, and / or subsidy-specific virtual card 363) may be generated in the sub-wallet-enhanced digital wallet 171 when a subsidy is pushed to sub-wallet-enhanced digital wallet 171. In some embodiments, the funds associated with the subsidy may be pushed (directly or indirectly) to the subsidy-specific virtual card, enabling the subsidy-specific virtual card to be utilized to fund the sub-wallet-enhanced digital wallet 171 during the purchase of a subsidy-specific good or service. In some embodiments, an interaction between subsidy providers 190 (and associated subsidies 180), and sub-wallet-enhanced digital wallet 171 may occur utilizing a combination of operations performed by the subsidy computers of subsidy providers 180, payment processing network computer 150, issuer computer 160, sub-wallet-enhanced digital wallet provider 170. In some embodiments, as stated previously, a subsidy provider computer is a computer utilized by a subsidy provider that is configured to communicate and perform subsidy provider operations in payment transaction system 100.

[0059] In some embodiments, the subsidy provider subsidy information is information related to the subsidy being provided by the subsidy provider. For example, the subsidy provider subsidy information may include the type of subsidy being provided (e.g., food-specific subsidy, transportation-specific subsidy, etc.), MCC information (e.g., MCCs of the goods and services authorized by the subsidy provider for the subsidy), the duration of the subsidy (e.g., expirationdate of the subsidy), and any other information a subsidy provider deems necessary for generation of the sub-wallet-enhanced digital wallet 171. In some embodiments, the MCC information is merchant category code information associated with goods and services that the user 101 is authorized to purchase. In some embodiments, as stated previously, the MCC information is utilized by, for example, sub-wallet-enhanced digital wallet provider 170, to limit the goods and services purchased by user 101 using sub-wallet-enhanced digital wallet 171 to goods and services authorized by the subsidy provider providing the subsidy to user 101.

[0060] In some embodiments, for example, when a subsidy-specific virtual card (e.g., subsidyspecific virtual card 361), in a subsidy-specific sub-wallet (e.g., subsidy-specific sub-wallet 351), is associated with an MCC code, then the subsidy-specific virtual card (e.g., subsidy-specific virtual card 361) in subsidy-specific sub-wallet associated with the subsidy (e.g., subsidyspecific sub-wallet 351) may be utilized for purchases matching the MCC (or MCCs for multiple purchases).

[0061] In some embodiments, as stated previously, user sub-wallet-enhanced digital wallet information is information associated with user 101 that is required for sub-wallet-enhanced digital wallet provider 170 to generate the sub-wallet-enhanced digital wallet 171. In some embodiments, the user sub-wallet-enhanced digital wallet information may include, for example, personal information of user 101, bank account information of user 101, and payment card information of user 101, etc., as described previously with reference to FIG. 1. In some embodiments, user sub-wallet-enhanced digital wallet information may be provided directly to sub-wallet-enhanced digital wallet provider 170 from a yet-to-be-configured or a pre-configured sub-wallet-enhanced digital wallet 171 installed on mobile device 110. For example, user 101 may install sub-wallet-enhanced digital wallet 171 and as part of the sub-wallet-enhanced digitalwallet 171 installation process, user 101 may input user sub-wallet-enhanced digital wallet information that is provided directly or indirectly via subsidy providers 180 to sub-wallet- enhanced digital wallet provider 170.

[0062] In some embodiments, sub-wallet-enhanced digital wallet generator 420 of sub-wallet- enhanced digital wallet provider 170 receives the sub-wallet-enhanced digital wallet generation request 441 from a subsidy provider of subsidy providers 180 and generates sub-wallet-enhanced digital wallet 171 for the user 101 indicated in the sub-wallet-enhanced digital wallet generation request 441. In some embodiments, sub-wallet-enhanced digital wallet generator 420 generates the sub-wallet-enhanced digital wallet 171 by generating a subsidy-specific virtual card in a subsidy-specific sub-wallet for use by the sub-wallet-enhanced digital wallet 171 and configuring the sub-wallet-enhanced digital wallet 171, subsidy-specific sub-wallet, and subsidyspecific virtual card for use by user 101. In some embodiments, sub-wallet-enhanced digital wallet provider 170 configures the sub-wallet-enhanced digital wallet 171 for use by user 101 by associating the sub-wallet-enhanced digital wallet 171 with the user 101 and the subsidy provider of subsidy providers 180 that have authorized user 101 to utilize a subsidy for subsidy-specific payment transactions. In some embodiments, sub-wallet-enhanced digital wallet provider 170 configures the sub-wallet-enhanced digital wallet 171 according to instructions and information provided in the sub-wallet-enhanced digital wallet generation request 441.

[0063] For example, in some embodiments, sub-wallet-enhanced digital wallet provider 170 configures the sub-wallet-enhanced digital wallet 171 by associating the subsidy-specific subwallet and the corresponding subsidy-specific virtual card with a user identification number (e.g., a number identifying the user 101), a subsidy identification number (e.g., a number that identifies the specific subsidy), and a subsidy provider account that includes the subsidy (e.g., the fundsassociated with the subsidy) provided by the subsidy provider of subsidy providers 180. Tn some embodiments, the subsidy associated with the subsidy-specific sub-wallet and subsidy-specific virtual card is indicated in the sub-wallet-enhanced digital wallet generation request 441 provided to sub-wallet-enhanced digital wallet generator 420.

[0064] In some embodiments, as part of the configuration process, the sub-wallet-enhanced digital wallet 171 is configured by sub-wallet-enhanced digital wallet generator 420 such that a subsidy provider may push the subsidy to the subsidy-specific virtual card of the subsidy-specific sub-wallet of sub-wallet-enhanced digital wallet 171. For example, in some embodiments, the sub-wallet-enhanced digital wallet 171 is configured such that the subsidy provider may use an Original Credit Transfer (OCT) push to an application programming interface (API) of the sub- wallet-enhanced digital wallet 171 to load the funds associated with the subsidy to a subsidyspecific virtual card of a subsidy-specific sub-wallet of the sub-wallet-enhanced digital wallet 171. In some embodiments, an OCT push is a push transaction that involves the subsidy provider providing the subsidy to the sub-wallet-enhanced digital wallet 171 and the payment processing network computer 150. In some embodiments, the subsidy provider may use an OCT push to the API of the sub-wallet-enhanced digital wallet 171 to load the funds associated with the subsidy to a subsidy-specific virtual card of a subsidy-specific sub-wallet of sub-wallet-enhanced digital wallet 171 based on, as stated previously, an MCC, and optionally a business application identifier (BAI). In some embodiments, a BAI is a standardized code used in payment transactions to categorize and identify a specific business application or purpose of the subsidyspecific payment transaction for record-keeping and reporting. In some embodiments, the subsidy may be loaded into the subsidy-specific virtual cards of the subsidy-specific sub-wallets depending on, for example, different or varying MCCs authorized by the subsidy provider.

[0065] In some embodiments, subsidy-specific virtual cards may be assigned a token bank identification number (BIN) from a token bin range provided by the payment processing network computer 150. In some embodiments, for every subsidy-specific payment transaction, subwallet-enhanced digital wallet provider 170 resolves a token bin value associated with the subsidy-specific payment transaction to generate a PAN number, thus making every transaction an off-us (OFUS) transaction. In some embodiments, an OFUS transaction is a payment transaction that must be processed via the sub-wallet-enhanced digital wallet provider 170 of payment processing network computer 150. In some embodiments, utilizing OFUS ensures that every payment transaction executed using sub-wallet-enhanced digital wallet 171 is processed via the sub-wallet-enhanced digital wallet provider 170.

[0066] In some embodiments, the sub-wallet-enhanced digital wallet provider 170 may be configured to maintain a subsidy-specific ledger. In some embodiments, the subsidy-specific ledger is a ledger of the subsidy-specific payment transactions executed using the sub-wallet- enhanced digital wallet 171. In some embodiments, in addition to the subsidy-specific ledger being utilized by the payment processing network, subsidy providers and issuer institutions associated with the subsidy-specific payment transactions may utilize the subsidy-specific ledger. For example, in some embodiments, use of the subsidy-specific ledger by sub-wallet- enhanced digital wallet provider 170 enables issuers and subsidy providers to utilize sub-wallet- enhanced digital wallet provider 170 as a hub for subsidy-specific payment transactions. In some embodiments, the subsidy-specific ledger may be shared by sub-wallet-enhanced digital wallet provider 170 with an issuer (e.g., bank) via issuer computer 160.

[0067] In some embodiments, when a plurality of subsidies are provided by a subsidy provider or subsidy providers of subsidy providers 180, the subsidy-specific virtual card generation 1process may be repeated for additional subsidy-specific sub-wallets that are created for additional subsidies. For example, in some embodiments, additional subsidy providers may push subsidies to sub-wallet-enhanced digital wallet 171 and multiple subsidy-specific sub-wallets may be generated (e g., subsidy-specific sub-wallet 352 and subsidy-specific sub-wallet 353), each subsidy-specific sub-wallet being associated with a specific subsidy by sub-wallet-enhanced digital wallet provider 170.

[0068] In some embodiments, as stated previously with reference to FIG. 1, after the sub-wallet- enhanced digital wallet 171 is generated by sub-wallet-enhanced digital wallet provider 170 and installed onto mobile device 110, user 101 may utilize sub-wallet-enhanced digital wallet 171 of mobile device 110 to conduct both traditional payment transactions and subsidy-specific payment transactions at a merchant utilizing access device 120. For example, in some embodiments, user 101 taps the sub-wallet-enhanced digital wallet 171 of mobile device 110 against an NFC reader in the access device 120 to purchase goods and / or services. In some embodiments, as stated previously, utilizing sub-wallet-enhanced digital wallet 171, user 101 is able to purchase, in addition to non-subsidy-specific goods or services, subsidy-specific goods or services without having to manually select a payment card or other form of payment on mobile device 110. Instead, user 101 simply utilizes sub-wallet-enhanced digital wallet 171 to purchase the subsidy-specific goods or services, and, a subsidy-specific virtual card of sub-wallet- enhanced digital wallet 171 generated by sub-wallet-enhanced digital wallet provider 170 is utilized to fund the sub-wallet-enhanced digital wallet 171 for the purchase of the subsidyspecific goods or services.

[0069] FIG. 5 is a flow diagram illustrating a sub-wallet-enhanced digital wallet generation method 500 in accordance with some embodiments. In some embodiments, the sub-wallet-enhanced digital wallet generation method 500 is a method utilized by sub-wallet-enhanced digital wallet provider 170 to generate a sub-wallet-enhanced digital wallet 171. The method, process steps, or stages illustrated in the figures may be implemented as an independent routine or process, or as part of a larger routine or process. Note that each process step or stage depicted may be implemented as an apparatus that includes a processor executing a set of instructions, a method, or a system, among other embodiments. In some embodiments, the sub-wallet-enhanced digital wallet provider 170 is configured to perform at least a portion of the sub-wallet-enhanced digital wallet generation method 500 in accordance with some embodiments. In some embodiments, the sub-wallet-enhanced digital wallet generation method 500 is described with reference to the figures described herein.

[0070] In some embodiments, at operation 520, sub-wallet-enhanced digital wallet provider 170 receives a sub-wallet-enhanced digital wallet generation request 441 from a subsidy provider for use by user 101 of mobile device 110. In some embodiments, the sub-wallet-enhanced digital wallet generation request 441 is associated with a subsidy provided by a subsidy provider of subsidy providers 180 to user 101 of mobile device 110. In some embodiments, at operation 540, sub-wallet-enhanced digital wallet generator 420 of sub-wallet-enhanced digital wallet provider 170 generates, when the subsidy is pushed to the sub-wallet-enhanced digital wallet 171 by the subsidy provider, a subsidy-specific sub-wallet in the sub-wallet-enhanced digital wallet 171. In some embodiments, operation 540 proceeds to operation 560.

[0071] In some embodiments, at operation 560, sub-wallet-enhanced digital wallet generator 420 of sub -wallet-enhanced digital wallet provider 170 generates a subsidy-specific virtual card in the subsidy-specific sub-wallet generated at operation 540. In some embodiments, as stated previously with reference to FIG. 1 - FIG. 4, the subsidy-specific virtual card is configured tofund the sub-wallet-enhanced digital wallet 171 when user 101 purchases a subsidy-specific good or service in a subsidy-specific payment transaction. In some embodiments, operation 560 proceeds to operation 580.

[0072] In some embodiments, at operation 580, utilizing, when a subsidy-specific payment transaction occurs using the sub -wallet-enhanced digital wallet 171 of mobile device 110, the subsidy-specific virtual card generated by sub-wallet-enhanced digital wallet generator 420 of sub-wallet-enhanced digital wallet provider 170 to fund the sub-wallet-enhanced digital wallet 171 to settle the subsidy-specific payment transaction. In some embodiments, when the subsidysubsidy-specific virtual card of the subsidy-specific sub-wallet generated by sub-wallet-enhanced digital wallet generator 420 associated with the subsidy does not have sufficient funds to fund the sub-wallet-enhanced digital wallet for the subsidy-specific goods and / or services, a partial authorization may occur and a general fund virtual card associated with the sub-wallet-enhanced digital wallet 171 may be utilized to fund the sub-wallet-enhanced digital wallet for the remaining balance (e g., the amount not covered by the subsidy), after which the associated subsidy-specific ledger may be updated accordingly. In addition, in some embodiments, the subwallet-enhanced digital wallet provider 170 may be configured to perform spending control operations (e g., spend controls). For example, in some embodiments, the sub-wallet-enhanced digital wallet provider 170 may be configured to provide insight to a subsidy provider to indicate the manner in which a subsidy is being spent by user 101 or provide other analytical data to a subsidy provider to allow the subsidy provider to build infrastructure accordingly. In some embodiments, the sub-wallet-enhanced digital wallet provider 170 may be configured to enforce or allow a subsidy provider to enforce that user 101 spend, for example, a certain percentage of asubsidy, only in a subsidy-provider-registered store or subsidy-provider-registered e- marketplace.

[0073] In some embodiments, subsidy-specific sub-wallet 351, subsidy-specific sub-wallet 352, and / or subsidy-specific sub-wallet 353 may be deactivated, disabled, suspended, removed, or deleted from sub-wallet-enhanced digital wallet 171 for various reasons, including, for example, a request by a subsidy provider of subsidy providers 180, an expiry of a subsidy-specific subwallet as provided by a subsidy provider (e.g., at the time of the generation subsidy-specific subwallet), etc. In some embodiments, a time constraint may be utilized that references a specific time period for the subsidy-specific sub-wallet.

[0074] In some embodiments, for low power or lower memory capacity mobile devices, some operations executed by mobile device 110 may be performed by payment processing network computer 150. For example, some operations executed by sub-wallet-enhanced digital wallet 171 may be performed by, for example, sub-wallet-enhanced digital wallet provider 170 and / or utilized for additional spend controls.

[0075] In some embodiments, with reference to FIG. 3 and FIG. 4, sub-wallet-enhanced digital wallet 171 (and the corresponding subsidy-specific sub-wallets) of FIG. 3 may be implemented at sub-wallet-enhanced digital wallet provider 170 of FIG. 4. In some embodiments, payment processing network computer 150 may receive an authorization, an associated MCC, and other attributes as part of an authorization as described previously herein and sub-wallet-enhanced digital wallet provider 170 may select or choose an appropriate subsidy-specific sub-wallet in the sub-wallet-enhanced digital wallet 171 to process a payment transaction.

[0076] In some embodiments, with further reference to the QR codes described herein, a QR code may be, for example, merchant initiated QR transaction (initiated utilizing merchant computer 130), or user 101 initiated (initiated utilizing mobile device 110).

[0077] In some embodiments, for a merchant computer 130 initiated QR code, the QR code may be generated by, for example, by the user 101 of mobile device 110 (with the assistance of sub- wallet-enhanced digital wallet 171 of mobile device 110 and / or sub-wallet-enhanced digital wallet provider 170) and presented by user 101 using mobile device 110 during a purchase of a good or service (which may be scanned by merchant computer 130). In some embodiments, the QR code may be generated manually using, for example, an appropriate subsidy-specific subwallet of sub-wallet-enhanced digital wallet 171 or may be auto selected by sub-wallet-enhanced digital wallet 171 or via sub-wallet-enhanced digital wallet provider 170.

[0078] In some embodiments, for a user 101 initiated QR code transaction, merchant computer 130 may present a static or dynamic QR code (e.g., static signed QR code in which user 101 enters a transaction amount) or a dynamic QR code (e g., dynamic signed QR code which includes the transaction amount), both of which may include an associated MCC and other attributes that may be scanned by user 101 of sub-wallet-enhanced digital wallet 171 to initiate payment. In some embodiments, an authorization may be transmitted initially to issuer computer 160 and subsequently to payment processing network computer 150. With reference to a subsidy-specific sub-wallet, the sub-wallet-enhanced digital wallet provider 170 may select an appropriate subsidy-specific sub -wallet based on the associated MCC etc., and subsequently submit the payment transaction to issuer computer 160 for authorization.

[0079] In some embodiments, a method, includes receiving, at a payment processing network, a request from a subsidy provider to generate a sub-wallet-enhanced digital wallet for a user of amobile device; generating, at the payment processing network, the sub-wallet-enhanced digital wallet requested by the subsidy provider for the user of the mobile device; generating, when a subsidy is pushed to the sub-wallet-enhanced digital wallet by the subsidy provider, a subsidyspecific sub-wallet in the sub-wallet-enhanced digital wallet that is associated with the subsidy, the subsidy-specific sub-wallet having a subsidy-specific virtual card that is utilized to store funds associated with the subsidy pushed to the sub-wallet-enhanced digital wallet by the subsidy provider; and utilizing, when a subsidy-specific payment transaction associated with the subsidy occurs, the subsidy-specific virtual card of the subsidy-specific sub-wallet to fund the sub-wallet-enhanced digital wallet to settle the subsidy-specific payment transaction for the user of the sub-wallet-enhanced digital wallet.

[0080] In some embodiments, the method includes utilizing sub-wallet-enhanced digital wallet information provided in the request to configure the sub-wallet-enhanced digital wallet to conduct the subsidy-specific payment transaction.

[0081] In some embodiments, the method includes performing a subsidy-specific payment transaction assessment to determine whether a payment transaction is the subsidy-specific payment transaction.

[0082] In some embodiments of the method, the subsidy-specific payment transaction involves only at least one of a purchase of a subsidy-specific good or a subsidy-specific service authorized by the subsidy provider.

[0083] In some embodiments of the method, a merchant category code (MCC) is utilized to indicate that a good is the subsidy-specific good authorized for purchase by the subsidy provider and to indicate that a service is the subsidy-specific service authorized for purchase by the subsidy provider.

[0084] In some embodiments of the method, when the user utilizes the sub-wallet-enhanced digital wallet for the subsidy-specific payment transaction with a merchant, the sub-wallet- enhanced digital wallet does not require the user to present the subsidy-specific virtual card associated with the subsidy being utilized to fund the subsidy-specific payment transaction.

[0085] In some embodiments of the method, when the subsidy-specific virtual card of the subsidy-specific sub-wallet associated with the subsidy does not have sufficient funds to fund the sub-wallet-enhanced digital wallet, a general fund virtual card associated with the sub-wallet- enhanced digital wallet is utilized to fund the sub-wallet-enhanced digital wallet.

[0086] In some embodiments of the method, the subsidy provider is a government entity.

[0087] In some embodiments of the method, when additional subsidy providers push additional subsidies to the sub-wallet-enhanced digital wallet, additional subsidy-specific virtual cards are generated in additional subsidy-specific sub-wallets of the sub-wallet-enhanced digital wallet for each additional subsidy pushed by each additional subsidy provider of the additional subsidy providers.

[0088] In some embodiments, a system includes a processor; and a non-transitory computer readable medium coupled to the processor, the non-transitory computer readable medium including code that: receives a request from a subsidy provider to generate a sub-wallet- enhanced digital wallet for a user of a mobile device; generates the sub-wallet-enhanced digital wallet requested by the subsidy provider for the user of the mobile device; generates, when a subsidy is pushed to the sub-wallet-enhanced digital wallet by the subsidy provider, a subsidyspecific sub-wallet in the sub-wallet-enhanced digital wallet that is associated with the subsidy, the subsidy-specific sub-wallet having a subsidy-specific virtual card that is utilized to store funds associated with the subsidy pushed to the sub-wallet-enhanced digital wallet by thesubsidy provider; and utilizes, when a payment transaction occurs using the sub-wallet-enhanced digital wallet that is a subsidy-specific payment transaction associated with the subsidy, the subsidy-specific virtual card of the subsidy-specific sub-wallet to fund the sub-wallet-enhanced digital wallet to settle the subsidy-specific payment transaction for the user of the sub-wallet- enhanced digital wallet.

[0089] In some embodiments of the system, the code utilizes sub-wallet-enhanced digital wallet information provided in the request to configure the sub-wallet-enhanced digital wallet for use by the user of the mobile device.

[0090] In some embodiments of the system, the code performs a subsidy-specific payment transaction assessment to determine whether the payment transaction is the subsidy-specific payment transaction.

[0091] In some embodiments of the system, the subsidy-specific payment transaction involves only at least one of a purchase of a subsidy-specific good or a subsidy-specific service authorized by the subsidy provider.

[0092] In some embodiments of the system, when the user utilizes the sub-wallet-enhanced digital wallet for the subsidy-specific payment transaction with a merchant, the sub-wallet- enhanced digital wallet does not require the user to present the subsidy-specific virtual card associated with the subsidy being utilized to fund the subsidy-specific payment transaction.

[0093] In some embodiments of the system, when the subsidy-specific virtual card of the subsidy-specific sub-wallet associated with the subsidy does not have sufficient funds to fund the sub-wallet-enhanced digital wallet, general funds associated with the sub-wallet-enhanced digital wallet are utilized to fund the sub-wallet-enhanced digital wallet.

[0094] In some embodiments of the system, when additional subsidy providers push additional subsidies to the sub-wallet-enhanced digital wallet, additional subsidy-specific virtual cards are generated in additional subsidy-specific sub-wallets of the sub-wallet-enhanced digital wallet for each additional subsidy pushed by each additional subsidy provider of the additional subsidy providers.

[0095] In some embodiments, a digital wallet includes a plurality of subsidy-specific subwallets, each subsidy-specific sub-wallet of the plurality of subsidy-specific sub-wallets being associated with a subsidy of a plurality of subsidies granted to a user of the digital wallet by a subsidy provider; and a plurality of subsidy-specific virtual cards, each subsidy-specific virtual card of the plurality of subsidy-specific virtual cards being associated with a subsidy-specific sub-wallet of the plurality of subsidy-specific sub-wallets, wherein when a subsidy-specific payment transaction occurs related to the subsidy associated with the subsidy-specific sub-wallet, the subsidy-specific virtual card associated with the subsidy-specific sub-wallet is utilized to fund the digital wallet to settle the subsidy-specific payment transaction.

[0096] In some embodiments of the digital wallet, sub-wallet-enhanced digital wallet information provided by the subsidy provider is utilized to configure the digital wallet for use by the user of a mobile device.

[0097] In some embodiments of the digital wallet, a subsidy-specific payment transaction assessment is utilized to determine whether a payment transaction is the subsidy-specific payment transaction.

[0098] In some embodiments of the digital wallet, the subsidy-specific payment transaction is a payment transaction for a purchase of a subsidy-specific good or a subsidy-specific service authorized by the subsidy provider.

Claims

WHAT IS CLAIMED IS:

1. A method, comprising: receiving, at a payment processing network, a request from a subsidy provider to generate a sub-wallet-enhanced digital wallet for a user of a mobile device; generating, at the payment processing network, the sub-wallet-enhanced digital wallet requested by the subsidy provider for the user of the mobile device; generating, when a subsidy is pushed to the sub-wallet-enhanced digital wallet by the subsidy provider, a subsidy-specific sub-wallet in the sub-wallet-enhanced digital wallet that is associated with the subsidy, the subsidy-specific sub-wallet having a subsidy-specific virtual card that is utilized to store funds associated with the subsidy pushed to the sub-wallet-enhanced digital wallet by the subsidy provider; and utilizing, when a subsidy-specific payment transaction associated with the subsidy occurs, the subsidy-specific virtual card of the subsidy-specific sub-wallet to fund the sub-wallet-enhanced digital wallet to settle the subsidy-specific payment transaction for the user of the sub-wallet-enhanced digital wallet.

2. The method of claim 1, further comprising: utilizing sub-wallet-enhanced digital wallet information provided in the request to configure the sub-wallet-enhanced digital wallet to conduct the subsidy-specific payment transaction.

3. The method of claim 2, further comprising: performing a subsidy-specific payment transaction assessment to determine whether a payment transaction is the subsidy-specific payment transaction.

4. The method of claim 3, wherein: the subsidy-specific payment transaction involves only at least one of a purchase of a subsidy-specific good or a subsidy-specific service authorized by the subsidy provider.

5. The method of claim 4, wherein: a merchant category code (MCC) is utilized to indicate that a good is the subsidy-specific good authorized for purchase by the subsidy provider and to indicate that a service is the subsidy-specific service authorized for purchase by the subsidy provider.

6. The method of claim 5, wherein: when the user utilizes the sub-wallet-enhanced digital wallet for the subsidy-specific payment transaction with a merchant, the sub-wallet-enhanced digital wallet does not require the user to present the subsidy-specific virtual card associated with the subsidy being utilized to fund the subsidy-specific payment transaction.

7. The method of claim 6, wherein: when the subsidy-specific virtual card of the subsidy-specific sub-wallet associated with the subsidy does not have sufficient funds to fund the sub-wallet-enhanced digital wallet, a general fund virtual card associated with the sub-wallet-enhanced digital wallet is utilized to fund the sub-wallet-enhanced digital wallet.

8. The method of claim 7, wherein: the subsidy provider is a government entity.

9. The method of claim 1, wherein:when additional subsidy providers push additional subsidies to the sub-wallet-enhanced digital wallet, additional subsidy-specific virtual cards are generated in additional subsidy-specific sub-wallets of the sub-wallet-enhanced digital wallet for each additional subsidy pushed by each additional subsidy provider of the additional subsidy providers.

10. A system, comprising: a processor; and a non-transitory computer readable medium coupled to the processor, the non-transitory computer readable medium including code that: receives a request from a subsidy provider to generate a sub-wallet-enhanced digital wallet for a user of a mobile device; generates the sub-wallet-enhanced digital wallet requested by the subsidy provider for the user of the mobile device; generates, when a subsidy is pushed to the sub-wallet-enhanced digital wallet by the subsidy provider, a subsidy-specific sub-wallet in the sub-wallet-enhanced digital wallet that is associated with the subsidy, the subsidy-specific sub-wallet having a subsidy-specific virtual card that is utilized to store funds associated with the subsidy pushed to the sub-wallet-enhanced digital wallet by the subsidy provider; and utilizes, when a payment transaction occurs using the sub-wallet-enhanced digital wallet that is a subsidy-specific payment transaction associated with the subsidy, the subsidy-specific virtual card of the subsidy-specific sub-wallet to fund the sub-wallet-enhanced digital wallet to settle the subsidy-specific payment transaction for the user of the sub-wallet-enhanced digital wallet.

11. The system of claim 10, wherein the code: utilizes sub-wallet-enhanced digital wallet information provided in the request to configure the sub-wallet-enhanced digital wallet for use by the user of the mobile device.

12. The system of claim 11, wherein the code: performs a subsidy-specific payment transaction assessment to determine whether the payment transaction is the subsidy-specific payment transaction.

13. The system of claim 12, wherein: the subsidy-specific payment transaction involves only at least one of a purchase of a subsidy-specific good or a subsidy-specific service authorized by the subsidy provider.

14. The system of claim 13, wherein: when the user utilizes the sub-wallet-enhanced digital wallet for the subsidy-specific payment transaction with a merchant, the sub-wallet-enhanced digital wallet does not require the user to present the subsidy-specific virtual card associated with the subsidy being utilized to fund the subsidy-specific payment transaction.

15. The system of claim 14, wherein: when the subsidy-specific virtual card of the subsidy-specific sub-wallet associated with the subsidy does not have sufficient funds to fund the sub-wallet-enhanced digital wallet, general funds associated with the sub-wallet-enhanced digital wallet are utilized to fund the sub-wallet-enhanced digital wallet.

16. The system of claim 10, wherein: when additional subsidy providers push additional subsidies to the sub-wallet-enhanced digital wallet, additional subsidy-specific virtual cards are generated in additional subsidy-specific sub-wallets of the sub-wallet-enhanced digital wallet for each additional subsidy pushed by each additional subsidy provider of the additional subsidy providers.

17. A digital wallet, comprising: a plurality of subsidy-specific sub-wallets, each subsidy-specific sub-wallet of the plurality of subsidy-specific sub-wallets being associated with a subsidy of a plurality of subsidies granted to a user of the digital wallet by a subsidy provider; and a plurality of subsidy-specific virtual cards, each subsidy-specific virtual card of the plurality of subsidy-specific virtual cards being associated with a subsidy-specific sub-wallet of the plurality of subsidy-specific sub-wallets, wherein when a subsidy-specific payment transaction occurs related to the subsidy associated with the subsidy-specific sub-wallet, the subsidy-specific virtual card associated with the subsidy-specific sub-wallet is utilized to fund the digital wallet to settle the subsidy-specific payment transaction.

18. The digital wallet of claim 17, wherein: sub-wallet-enhanced digital wallet information provided by the subsidy provider is utilized to configure the digital wallet for use by the user of a mobile device.

19. The digital wallet of claim 18, wherein:a subsidy-specific payment transaction assessment is utilized to determine whether a payment transaction is the subsidy-specific payment transaction.

20. The digital wallet of claim 19, wherein: the subsidy-specific payment transaction is a payment transaction for a purchase of a subsidy-specific good or a subsidy-specific service authorized by the subsidy provider.

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