Enhanced digital wallet

• US 20020179704A1
• Filed: 06/05/2001
• Published: 12/05/2002
• Est. Priority Date: 06/05/2001
• Status: Abandoned Application

• Current Assignee: NCR Corporation (NCR Voyix Corporation)
• Original Assignee: NCR Corporation (NCR Voyix Corporation)
• Inventors: Deaton, Tom R.
• Application Number:
  US09/874,745
• Publication Number:
  US 20020179704A1
• Time in Patent Office: Days
• US Class Current: 235/383
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence

Abstract

A digital wallet is operative to receive, maintain, and allow the retrieval of various forms of enhancements thereto, such as an electronic coupon, an electronic gift certificate, an electronic discount, and the like. The digital wallet is also operative to function as a primary or main digital wallet and thus accept and utilize a plurality of subordinate digital wallets, each one of which is separately operable within the framework of the digital wallet. In addition, each one of the subordinate digital wallets has different features and/or functionality. The primary digital wallet may also receive, maintain, and allow access to a shopping list of items that are automatically deleted or marked for deletion when an item corresponding to a shopping list item of the shopping list in the digital wallet is purchased on-line utilizing the primary digital wallet or at a physical store via a retail terminal, kiosk, or the like utilizing the primary digital wallet.

Claims

1. A method of consummating a purchase transaction comprising:

obtaining merchandise data for merchandise being purchased by a consumer;

calculating a price for the merchandise being purchased;

generating a digital receipt for the merchandise being purchased;

obtaining digital wallet data from the consumer; and

providing digital receipt data to the digital wallet of the consumer.

2. The method of claim 1, wherein providing digital receipt data to the digital wallet of the consumer comprises providing the digital receipt to the digital wallet of the consumer.

3. The method of claim 2, wherein providing digital receipt data to the digital wallet of the consumer comprises providing the digital receipt data to the digital wallet of the consumer via the Internet.

4. The method of claim 1, further comprising:

storing the digital receipt in an addressable storage device;

obtaining an address of the storage location of the digital receipt in the addressable storage device; and

wherein providing digital receipt data to the digital wallet of the consumer comprises providing a pointer to the address of the storage location of the digital receipt to the digital wallet of the consumer.

5. The method of claim 4, wherein providing a pointer to the address of the storage location of the digital receipt to the digital wallet of the consumer comprises providing a pointer to the address of the storage location of the digital receipt to the digital wallet of the consumer via the Internet.

6. A digital wallet comprising:

digital wallet program instructions; and

digital wallet data;

said digital wallet program instructions operative to allow receipt, storage, and retrieval of digital receipt data.

7. The digital wallet of claim 6, wherein said digital receipt data comprises a digital receipt.

8. The digital wallet of claim 6, wherein said digital receipt data comprises a pointer to an address of a storage location of a digital receipt.

9. An apparatus for consummating a purchase transaction comprising:

a processing unit;

a merchandise data receiver in communication with said processing unit and operative to obtain data from merchandise being purchased;

a data receiver in communication with said processing unit and operative to obtain data from a consumer; and

memory in communication with said processing unit and containing a plurality of program instructions, which, when executed by said processing unit, causes said processing unit to;

obtain merchandise data for merchandise being purchased via said merchandise data receiver;

calculate a price for the merchandise being purchased;

generate a digital receipt for the purchase transaction;

obtain consumer data via said consumer data receiver regarding a digital wallet of the consumer; and

provide digital receipt data to the digital wallet of the consumer.

10. The apparatus of claim 9, wherein the memory contains further program instructions, which, when executed by said processing unit, causes said processing unit to provide the digital receipt data as the digital receipt to the digital wallet of the consumer.

11. The apparatus of claim 10, wherein the memory contains further program instructions, which, when executed by said processing unit, causes said processing unit to provide the digital receipt to the digital wallet of the consumer via the Internet.

12. The apparatus of claim 9, wherein the memory contains further program instructions which, when executed by said processing unit, causes said processing unit to:

store the digital receipt in an addressable storage device;

obtain an address of the storage location of the digital receipt in the addressable storage device; and

provide the digital receipt data as a pointer to the address of the storage location of the digital receipt to the digital wallet of the consumer.

13. The apparatus of claim 12, wherein the memory contains further program instructions which, when executed by said processing unit, causes said processing unit to provide the pointer to the address of the storage location of the digital receipt to the digital wallet of the consumer via the Internet.

15. The digital wallet of claim 14, wherein the digital wallet program instructions are operative to link the plurality of subordinate digital wallets to the digital wallet program instructions such that each subordinate digital wallet is separately operative under control of the digital wallet program instructions.

16. The digital wallet of claim 14, wherein each subordinate digital wallet comprises a digital wallet having different functionality.

18. The digital wallet of claim 17, wherein said gift certificate data comprises an electronic gift certificate.

19. The digital wallet of claim 17, wherein said gift certificate data comprises a pointer to an electronic gift certificate.

14. A digital wallet comprising:

digital wallet program instructions; and

digital wallet data;

said digital wallet program instructions supporting a plurality of subordinate digital wallets each having subordinate digital wallet program instructions and subordinate digital wallet data, wherein each subordinate digital wallet is separately operative.

17. A digital wallet comprising:

digital wallet program instructions; and

digital wallet data;

said digital wallet program instructions supporting receipt, storage, and retrieval of gift certificate data.

20. A digital wallet comprising:

digital wallet program instructions; and

digital wallet data;

said digital wallet program instructions operative to maintain a shopping list comprising at least one shopping list item, wherein when the digital wallet is utilized to purchase merchandise corresponding to an item on said shopping list, said digital wallet program instructions provide an indication that the corresponding item has been purchased.

21. The digital wallet of claim 20, wherein the indication that a corresponding shopping list item has been purchased comprises deletion from said shopping list.

22. The digital wallet of claim 20, wherein the shopping list is updateable at any time.

23. The digital wallet of claim 22, wherein updateable comprises additions and deletions of shopping list items.