System and method for a mobile wallet

• US 10,235,668 B1
• Filed: 04/25/2012
• Issued: 03/19/2019
• Est. Priority Date: 04/25/2012
• Status: Active Grant

• Current Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Original Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Inventors: Ellis, Stephen M., Kennedy, Michael J., Kurani, Ashish Bhoopen, Lowry, Melissa, Meyyappan, Uma, Sahni, Bipin, Stroke, Nikolai
• Primary Examiner(s): Poinvil, Frantzy
• Application Number:
  US13/456,045
• Time in Patent Office: 2,519 Days
• Field of Search: 705 3- 44
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/363 with the personal data of a user

Abstract

A computer-implemented method for receipt management includes receiving, using a mobile wallet stored on a mobile device of a user, receipts that include a record of transactions between the user and one or more merchants, the transactions being performed using the mobile wallet account of the user. The method includes receiving receipts for transactions that were not performed using the mobile wallet account of the user, the receipts being received from a user e-mail address, the receipts for non-mobile wallet transactions being received by the mobile wallet of the user. The method includes aggregating the mobile wallet receipts with the receipts of non-mobile wallet transactions and retrieving and displaying one or more of the mobile wallet receipts and the receipts of non-mobile wallet transactions.

Claims

1. A computer-implemented method for receipt management performed by a mobile wallet application operating on a mobile device of a user, the method comprising:

receiving, by the mobile wallet application operating on the mobile device of the user, requests to perform mobile wallet transactions between the user and one or more merchants;

for each request, receiving, by the mobile wallet application, a transaction code from a mobile wallet computing system and transmitting, by the mobile wallet application, the transaction code to a merchant point of sale device;

for each mobile wallet transaction, receiving, by the mobile wallet application, a receipt that includes a record of the transaction between the user and the merchant for the transaction;

registering, with the mobile wallet application, an e-mail address of the user to subsequently electronically receive receipts regarding non-mobile wallet application transactions;

storing, by the mobile wallet application, the receipts for the non-mobile wallet transactions in a mobile wallet account of the user based on the e-mail address from which the receipts are received;

aggregating, by the mobile wallet application, the mobile wallet receipts with the receipts for the non-mobile wallet transactions;

retrieving, by the mobile wallet application, one or more of the aggregated receipts from the mobile wallet account; and

causing, by the mobile wallet application, the one or more retrieved receipts to be displayed on a display of the mobile device.

2. The method of claim 1, further comprising storing information regarding products that were purchased and prices of the purchased products.

3. The method of claim 1, wherein the mobile wallet application is configured to accept payments from other mobile wallet devices or external point of sale devices;

wherein the other mobile wallet devices include a smartphone or tablet PC;

wherein the external point of sale devices include a reader electronically coupled to the mobile device and wherein data from the external point of sale devices is received by the mobile wallet application of the user.

4. The method of claim 1, wherein each receipt includes geotag information indicating a location of the transaction.

5. The method of claim 4, further comprising displaying the location of the transaction on a map and storing the location of the transaction with each receipt.

6. The method of claim 1, further comprising determining an amount of funds saved from a loyalty program offered by one of the merchants from the received receipts;

and

aggregating the amount of funds saved from the loyalty program from the received receipts.

7. The method of claim 1, wherein the mobile wallet application includes a loyalty section that stores loyalty card information;

wherein the loyalty section stores an amount of funds that have been saved by use of each loyalty card that is stored in the mobile wallet application.

8. The method of claim 1, wherein the mobile wallet application is configured to store user provided comments for each receipt that is stored on the mobile wallet application.

9. The method of claim 1, further comprising receiving a search query from the user of the mobile wallet application and providing a listing of at least one receipt that corresponds to the search query.

10. The method of claim 1, wherein the receipts for non-mobile wallet transactions were paper receipts that were each sent to the mobile wallet account as an image from the e-mail address of the user.

11. The method of claim 10, wherein the images of the receipts are scanned to determine one or more products purchased in each non-mobile wallet transaction and a price for each product.

12. The method of claim 11, wherein the mobile wallet application aggregates funds saved from a merchant loyalty program using both the mobile wallet transactions and non-mobile wallet transactions.

13. The method of claim 1, further comprising:

tagging the mobile wallet receipts with a geotag indicating a location of at least one of the transactions; and

indexing one or more of the mobile wallet receipts according to the geotag.

14. The method of claim 1, further comprising transmitting the one or more of the mobile wallet receipts and the receipts for the non-mobile wallet transactions to a third-party.

15. The method of claim 1, wherein the receipts for transactions that were not performed using the mobile wallet account of the user are received by the e-mail address of the user from a bank computer system.

16. The method of claim 1, wherein the receipts for the non-mobile wallet transactions are stored in the mobile wallet account of the user based on the registered e-mail address of the user.

17. A computer-implemented method performed by a mobile wallet application operating on a user mobile device, the method comprising:

registering, with the mobile wallet application, an e-mail address of the user to subsequently electronically receive a receipt regarding a non-mobile wallet application transaction between the user and a merchant;

storing, by the mobile wallet application, the receipt in a mobile wallet account of the user upon being received based on the e-mail address from which the receipt is received;

providing, by the mobile wallet application, funds to the mobile wallet account by using funds from at least one of a debit card, credit card, and value card, wherein the funds are useable to perform a mobile wallet transaction, wherein the mobile wallet application facilitates mobile wallet transactions from the mobile wallet account;

receiving, by the mobile wallet application, a request to perform a mobile wallet transaction between the user and a merchant, using the mobile wallet account;

receiving, by the mobile wallet application, a transaction code from a mobile wallet computing system;

transmitting, by the mobile wallet application, the transaction code to a merchant point of sale device;

receiving, by the mobile wallet application, a receipt regarding the mobile wallet transaction between the user and the merchant;

aggregating, by the mobile wallet application, the mobile wallet receipt with the receipt for the non-mobile wallet transaction; and

causing, by the mobile wallet application, the receipt to be displayed on a display of the mobile device.

18. The method of claim 17, further comprising receiving a search query from the user of the mobile wallet application and providing a listing of at least one receipt that corresponds to the search query.

19. The method of claim 17, further comprising:

analyzing transaction information stored on the receipts for products and price information; and

determining a price paid for a product for a past transaction within a user specified time range.

20. The method of claim 17, wherein the mobile wallet application includes a loyalty section that stores loyalty card information;

wherein the loyalty section stores an amount of funds that have been saved by using each loyalty card that is stored in the mobile wallet application.

21. The method of claim 17, further comprising storing products that were purchased and prices of the purchased products in the mobile wallet application and non-mobile wallet transactions in the mobile wallet application.

22. The method of claim 17, further comprising determining an amount of funds saved from a loyalty program offered by one of the merchants from the received receipts;

and

aggregating the amount of funds saved from the loyalty program from the received receipts.

23. The method of claim 17, further comprising tagging each receipt electronically to include geotag information indicating a location of the transaction.

24. A mobile device, comprising:

a display; and

a mobile wallet application comprising one or more processors coupled to a non-transitory storage medium, the mobile wallet application configured to;

facilitate mobile wallet transactions on behalf of a user using a mobile wallet account of the user, wherein for each mobile wallet transaction the mobile wallet application is configured to receive a request to perform a mobile wallet transaction between the user and a merchant, receive a transaction code from a mobile wallet computing system, and transmit the transaction code to a merchant point of sale device;

store financial transaction information for mobile wallet transactions between the user and one or more merchants as mobile wallet receipts on the mobile wallet account;

register an e-mail address of the user with the mobile wallet application to subsequently electronically receive non-mobile wallet receipts regarding non-mobile wallet application transactions between the user and one or more merchants;

subsequent to registration, receive the non-mobile wallet receipts for non-mobile wallet transactions from the registered e-mail address of the user;

store the non-mobile wallet receipts in the mobile wallet account;

aggregate the mobile wallet receipts with the receipts for the non-mobile wallet transactions; and

display one or more of the aggregated receipts on the display of the mobile device.

25. The mobile device of claim 24, wherein the one or more processors are configured to facilitate payments for the mobile wallet transactions from at least one of a debit card, credit card, and value card held by the user, and inform a financial institution associated with the at least one of a debit card, credit card, and value card to reduce a balance of funds for the user by the financial transaction amount.

26. The mobile device of claim 24, wherein the one or more processors are further configured to:

determine an amount of funds saved from a loyalty program offered by one of the merchants from the received receipts; and

aggregate the amount of funds saved from the loyalty program from the received receipts.

27. The mobile device of claim 24, wherein the one or more processors are further configured to:

analyze transaction information stored on the receipts for products and price information; and

determine a price paid for a product for past transactions within a user specified time range.

28. A computer-implemented method for receipt management performed by one or more processors of a mobile device, the method comprising:

receiving, by a mobile wallet application operating on the mobile device and communicably coupled to a receipt tracker of the mobile device, requests to perform mobile wallet transactions between a user of the mobile device and one or more merchants;

for each request, receiving, by the mobile wallet application, a transaction code from a mobile wallet computing system and transmitting, by the mobile wallet application of the mobile device, the transaction code to a merchant point of sale device;

for each mobile wallet transaction, receiving, by network interface logic of the mobile device, a receipt that includes a record of the transaction between the user and the merchant for the transaction;

electronically receiving, by the network interface logic of the mobile device, receipts for transactions that were not performed using the mobile device, the receipts for non-mobile transactions being received from an e-mail address of the user based upon registration of the e-mail address with the mobile wallet application;

storing, by the receipt tracker of the mobile device, the receipts for the non-mobile transactions in a mobile account of the user upon being received based on the e-mail address from which the receipts are received;

aggregating, by the receipt tracker of the mobile device, the mobile receipts with the receipts for the non-mobile transactions;

retrieving, by the receipt tracker of the mobile device, one or more of the aggregated receipts from the mobile account; and

displaying, by the receipt tracker of the mobile device, the one or more retrieved receipts using a display of the mobile device.