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Version: v1

Wallet Upgrade

Local To Enterprise wallet upgrade​

Overview​

When a consumer has a local wallet and is identified as having an enterprise identity, the local wallet is upgraded to an enterprise wallet. The goal is for each consumer to have a single enterprise wallet containing all unique payment methods, with no duplicates. This process improves user experience and reduces maintenance by consolidating payment methods.

Scenario: Multi-Criteria Search for Wallet Upgrade​

Merchant Enterprise Settings Example​
  • Search Criteria 1: SubscriptionId and DependentCode
  • Search Criteria 2: ExchangeID
Step-by-Step Logic (with Example)​

  1. Search on IMDM with Search Criteria 1 (SubscriptionId and DependentCode):

    • Assume we find a golden record in IMDM with SubscriptionId, DependentCode, and ExchangeID.

  2. Check CCG Database for Wallet (SubscriptionId and DependentCode):

    • If a wallet exists for this combination, the search is complete (customer found).
    • If not, proceed to the next step.

  3. Check Additional Search Criteria (from Merchant Configuration):

    • For each search criteria defined (e.g., ExchangeID), check if the golden record contains the value.
    • If so, check if a local wallet exists in CCG for that value under the merchant.
    • If a wallet is found, upgrade it to an enterprise wallet.
    • Repeat for all search criteria until a wallet is found or all options are exhausted.

  4. If No Wallet Found:

    • Create a new customer and associate with SubscriptionId and DependentCode.

Example​

  • Merchant defines two search criteria: (1) SubscriptionId + DependentCode, (2) ExchangeID.
  • Golden record contains all three values.
  • CCG checks for a wallet with SubscriptionId + DependentCode. If not found, checks for a wallet with ExchangeID. If found, upgrades that wallet. If none found, creates a new wallet.

Upgrade Process: Merge & De-duplicate​

When a local wallet is upgraded to an enterprise wallet:​

  • If the consumer already has an enterprise wallet, payment methods from the local wallet are merged into the enterprise wallet.
  • Duplicate payment methods are de-duplicated so each unique payment method exists only once.
  • The local wallet is emptied after the merge.
  • Merchants are notified about any additions, replacements, or removals of payment methods via webhooks.
  • After merging, the local wallet will be empty.