Credit card account data extraction

Abstract

A credit account extraction system is configured to identify account information in credit data associated with a consumer and populate a digital wallet of the consumer with the identified financial card information. The financial card information may then be used by online retailers, for example, to expedite transaction completion.

What is claimed is: 
     
         1 . A computerized method, performed by a computing system having one or more hardware computer processors and one or more non-transitory computer readable storage device storing software instructions executable by the computing system to perform the computerized method comprising:
 receive a credit data access authorization message from a consumer computing device, the credit data access authorization message comprising an indication of access authorizations to credit data of the consumer;   receive a wallet account rule, the wallet account rule comprising criteria for sharing portions of the credit data of the consumer with third parties;   receive a consumer credit card information retrieval request from a third party computing system;   access credit data of the consumer in accordance with the indication of access authorizations;   determine a portion of credit card information in the credit data of the consumer shareable with the third party computing system based at least on the wallet account rule; and   transmit the determined portion of credit card information to the third party computing system.   
     
     
         2 . The computerized method of  claim 1 , wherein the portion of credit card information identifies a credit card of the consumer. 
     
     
         3 . The computerized method of  claim 1 , wherein the third party computing system is a merchant computing system and the determined portion of credit card information is usable by the merchant computing system for a purchase by the consumer. 
     
     
         4 . The computerized method of  claim 1 , wherein the credit data of the consumer identifies a plurality of credit cards of the consumer. 
     
     
         5 . The computerized method of  claim 4 , further comprising determining a sorted order of the plurality of credit cards. 
     
     
         6 . The computerized method of  claim 5 , wherein the sorted order is based on credit available on respective of the plurality of credit cards. 
     
     
         7 . The computerized method of  claim 5 , wherein the sorted order is based on credit utilization on respective of the plurality of credit cards. 
     
     
         8 . The computerized method of  claim 5 , wherein the sorted order is based on rewards program of respective of the plurality of credit cards. 
     
     
         9 . The computerized method of  claim 1 , further comprising receiving the wallet account rule from the consumer. 
     
     
         10 . The computerized method of  claim 9 , wherein the wallet account rule indicates a first portion of credit card information shareable with a first type of third party associated with the third party computing system. 
     
     
         11 . The computerized method of  claim 10 , further comprising receiving a second account rule indicating a second portion of credit card information shareable with a second type of third party, wherein the first portion and the second portion include information indicating different credit cards of the consumer. 
     
     
         12 . The computerized method of  claim 1 , further comprising:
 determining a credit format associated with the third party computing system; and   converting the portion of credit card information to the credit format associated with the third party computing system.   
     
     
         13 . The computerized method of  claim 1 , wherein the credit data access authorization is received from the consumer via a website. 
     
     
         14 . The computerized method of  claim 13 , wherein the portion of credit card information identifies a credit card of the consumer for use in a purchase transaction via the website. 
     
     
         15 . The computerized method of  claim 1 , further comprising generating user interface data configured for execution on the consumer computing device to display indications of one or more credit cards.