The Microsoft Wallet is upgraded to the most current version automatically when the shopper uses an outdated Wallet at a site that supports that latest version. Using an outdated Wallet generates a dialog box requesting the user's approval to install version 2.1 of the Wallet. If the user approves the upgrade, version 2.1 of the Wallet is installed on the client computer transparently. All user data is transferred to the new Wallet storage, and is available to the shopper through the Wallet user interface.