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Systems and methods for assisted transactions using an information wallet

  • US 10,217,108 B1
  • Filed: 03/03/2014
  • Issued: 02/26/2019
  • Est. Priority Date: 03/29/2013
  • Status: Active Grant
First Claim
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1. A system for providing information to an entity, the system comprising:

  • an information wallet account associated with a user of the system; and

    a server having a memory and a processor, wherein the processor is configured to;

    receive a request for information, wherein the requested information is associated with the user;

    retrieve a stored portion of the requested information from the information wallet account;

    determine that a remaining portion of the requested information is not included within the information wallet account;

    send, to an alert queue tool included in an information wallet application stored on a user computing device of the user, a first alert formatted according to a common data protocol and including a request for the remaining portion of the requested information, responsive to determining that the remaining portion of the requested information is not included within the information wallet account;

    receive, from the user computing device, the remaining portion of the requested information, the remaining portion provided via a data entry tool included in the information wallet application stored on the user computing device and received according to the common data protocol;

    send the requested information to an entity computing system associated with the entity as part of a transaction between the user and the entity;

    receive feedback from the entity computing system based on the transaction, wherein the feedback includes an expiration date related to the transaction and the processor is configured to renew the transaction prior to the expiration date; and

    send a second alert to the alert queue tool included in the information wallet application stored on the user computing device based on the feedback, wherein the entity computing system includes an information wallet adapter configured to enforce the common data protocol and at least one security standard, and to synchronize information traveling between the user computing device and the information wallet computing system.

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