Abstract: A membership management system automatically manages user account memberships for a user. Based on information that the user provides to the membership management system, for example, the membership management system determines a user identifier for the user, such as a telephone number. The membership management system then communicates the user identifier to a merchant, which identifies membership account information for the user from the user identifier. For example, the membership management system employs the user's telephone number to identify an account of the user such as loyalty account. The merchant then provides the user's membership information to the membership management system, which then associates the user's membership information with a record for the user. By repeating this process, for example, the membership management system can—on behalf of the user—automatically associate multiple user membership accounts with a user record, such as a digital wallet of the user.