Systems and methods for user data management across multiple devices

Abstract

Systems and methods for managing user data across multiple applications and devices are disclosed. An example method includes: detecting a user is conducting a transaction using a first application installed on a user device; determining that the user is requesting one or more payment options from a first merchant associated with the first application; determining that a global payment method is selected by the user; determining that the user device is a trusted device associated with the user; and in response to determining that the user device is a trusted device, providing the global payment method to the user in the first application on that same device or a different device.

What is claimed is: 
     
         1 . A method, comprising:
 detecting that a user is conducting a transaction using a first application installed on a user device;   determining that the user is requesting one or more payment options from a first merchant associated with the first application;   determining that a global payment method (GPM) is selected by the user;   determining that the user device is a trusted device associated with the user; and   in response to determining that the user device is a trusted device, providing the GPM to the user in the first application.   
     
     
         2 . The method of  claim 1 , wherein the GPM is a payment method selected by the user in a plurality of applications. 
     
     
         3 . The method of  claim 1 , wherein the GPM is a payment method selected by the user on a plurality of user devices. 
     
     
         4 . The method of  claim 1 , further comprising:
 in response to determining that user device is a trusted device, excluding, from providing to the user, a second payment method provided by the first merchant.   
     
     
         5 . The method of  claim 1 , wherein providing the GPM to the user in the first application comprises: providing the GPM as the only payment method to the user in the first application. 
     
     
         6 . The method of  claim 1 , wherein determining that a GPM is selected by the user comprising: determining that the GPM is selected by the user in a second application installed on the user device. 
     
     
         7 . The method of  claim 1 , wherein determining that a GPM is selected by the user comprising: determining that the GPM is selected by the user in a second application installed on the user device. 
     
     
         8 . The method of  claim 1 , further comprising:
 detecting the user is conducting a second transaction using a second application installed on a second user device;   determining that the second user device is a trusted device associated with the user; and   in response to determining that the user device is a trusted device, providing the GPM to the user in the second application.   
     
     
         9 . The method of  claim 1 , wherein determining that the user device is a trusted device associated with the user comprises: detecting a secure key is present in a secure element of the user device. 
     
     
         10 . The method of  claim 9 , wherein the secure key is present in a secure element of the user device. 
     
     
         11 . A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
 detecting that a user is conducting a transaction using a first application installed on a user device;   determining that the user is requesting one or more payment options from a first merchant associated with the first application;   determining that a GPM is selected by the user;   determining that the user device is a trusted device associated with the user; and   in response to determining that the user device is a trusted device, providing the GPM to the user in the first application.   
     
     
         12 . The -transitory machine-readable medium of  claim 11 , wherein the GPM is a payment method selected by the user in a plurality of applications. 
     
     
         13 . The -transitory machine-readable medium of  claim 11 , wherein the GPM is a payment method selected by the user on a plurality of user devices. 
     
     
         14 . The -transitory machine-readable medium of  claim 11  further comprising:
 in response to determining that user device is a trusted device, excluding, from providing to the user, a second payment method provided by the first merchant. 
 
     
     
         15 . The -transitory machine-readable medium of  claim 11 , wherein providing the GPM to the user in the first application comprises: providing the GPM as the only payment method to the user in the first application. 
     
     
         16 . The -transitory machine-readable medium of  claim 11 , wherein determining that a GPM is selected by the user comprising: determining that the GPM is selected by the user in a second application installed on the user device. 
     
     
         17 . The -transitory machine-readable medium of  claim 11 , wherein determining that a GPM is selected by the user comprising: determining that the GPM is selected by the user in a second application installed on the user device. 
     
     
         18 . The -transitory machine-readable medium of  claim 11 , further comprising:
 detecting the user is conducting a second transaction using a second application installed on a second user device;   determining that the second user device is a trusted device associated with the user; and   in response to determining that the user device is a trusted device, providing the GPM to the user in the second application.   
     
     
         19 . The -transitory machine-readable medium of  claim 11 , wherein determining that the user device is a trusted device associated with the user comprises: detecting a secure key is present in a secure element of the user device. 
     
     
         20 . The non-transitory machine-readable medium of  claim 19 , wherein the secure key is present in a secure element of the user device.