USPTO Patent Grant: Stored-Value Card to Electronic Wallet via Intelligent Codes

ChangeBridge: Patent Grants - Business Methods (G06Q)

Published March 24th, 2026

Detected March 25th, 2026

Summary

The USPTO has granted a patent to Blackhawk Network, Inc. for a system and method to add stored-value cards to electronic wallets using intelligent codes. This technology directs users to a URL for an electronic wallet website, verifies credentials, and adds the card if it does not already exist.

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What changed

The United States Patent and Trademark Office (USPTO) has granted patent US12586058B2 to Blackhawk Network, Inc. The patent covers a system and method for adding a stored-value card to an electronic wallet by interpreting an intelligent code. This code directs the user to a specific URL for an electronic wallet website, prompts for credentials, checks if the card is already present, and then adds it to the wallet.

This patent represents a new technological development in the area of digital payments and stored-value cards. While patents themselves do not impose direct regulatory obligations on other entities, they can influence industry practices and future regulatory considerations. Companies operating in the digital wallet and stored-value card space, particularly those involved in payment processing and consumer finance, should be aware of this patented technology. No immediate compliance actions are required for other entities, but this grant may impact future product development and competitive landscapes.

Source document (simplified)

← USPTO Patent Grants

System and method for using intelligent codes to add a stored-value card to an electronic wallet

Grant US12586058B2 Kind: B2 Mar 24, 2026

Assignee

Blackhawk Network, Inc.

Inventors

Tomas Ariel Campos

Abstract

A method comprises receiving a request to add a stored-value card to an electronic wallet via interpreting an intelligent code which directs a user to a URL for an electronic wallet website; prompting a user for credentials to enter the electronic wallet website; determining whether the stored-value card already exists in the electronic wallet; and adding the stored-value card to the electronic wallet. A system comprises a computer device to receive a request to add a stored-value card to an electronic wallet via interpreting an intelligent code which directs a user to a URL for an electronic wallet website; to prompt a user for credentials to enter the electronic wallet website, to determine possession of the stored-value card, to determine whether the stored-value card already exists in the electronic wallet, and to add the stored-value card to the electronic wallet.