ELECTRONIC WALLET ("eWallet")

• US 20100114731A1
• Filed: 01/30/2009
• Published: 05/06/2010
• Est. Priority Date: 10/30/2008
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Zaruba, Joseph D., Sundberg, Ian E., Kingston, Tamara S., Ashfield, Jamie, Giordano, Joseph A.
• Application Number:
  US12/362,565
• Publication Number:
  US 20100114731A1
• Time in Patent Office: Days
• US Class Current: 705/26
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/351 Virtual cards
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

Abstract

A method according to the invention may preferably include displaying on a computer display a menu bar that includes an online shopping enhancement icon. The method may further include receiving a selection of the icon. The method may also include, in response to receiving a selection of the icon, displaying an online shopping enhancement dialogue box including a selectable option for displaying user bank account information.

Claims

1. One or more computer-readable media storing computer-executable instructions which, when executed by a processor on a computer system, perform a method for enhancing online shopping, the method comprising:

displaying on a computer display a menu bar that includes an online shopping enhancement icon;

receiving a selection of the icon; and

in response to receiving a selection of the icon, displaying an online shopping enhancement dialogue box including a selectable option for displaying user bank account information.

2. The method of claim 1 further comprising displaying an online shopping enhancement dialogue box including a selectable option for transferring funds between two bank accounts.

3. The method of claim 1 further comprising using electronic information from a bank account to populate an online shopping profile

4. The method of claim 1 further comprising using electronic information from a bank account to populate an online merchant checkout dialogue box.

5. The method of claim 1 further comprising using electronic information from a bank account to update an online shopping profile.

6. The method of claim 1 further comprising displaying an online shopping enhancement dialogue box that accesses and displays account balances in real time.

7. The method of claim 1 further comprising displaying an online shopping enhancement dialogue box that accesses and displays special offers relating to a user product keyword search and/or user product purchase.

8. The method of claim 1 further comprising displaying an online shopping enhancement dialogue box that that displays an option to transfer funds between the financial institution accounts.

9. The method of claim 1 further comprising:

generating a static shopping number; and

generating a dynamic shopping number;

wherein the static shopping number and the dynamic shopping number may be used together to provide a limited shopping credit line.

10. One or more computer-readable media storing computer-executable instructions which, when executed by a processor on a computer system, perform a method for populating an online shopping profile, the method comprising:

retrieving customer data from the online banking data system; and

using the customer data to electronically populate an online shopping enhancement profile.

11. The method of claim 10 further comprising displaying an online shopping enhancement dialogue box including a selectable option for transferring funds between two financial institution accounts.

12. The method of claim 10 further comprising using the online shopping profile to populate an online merchant checkout dialogue box.

13. The method of claim 10 further comprising using electronic information from a financial institution account to update an online shopping profile.

14. The method of claim 10 further comprising displaying an online shopping enhancement dialogue box that accesses and displays account balances in real time.

15. The method of claim 10 further comprising displaying an option to transfer funds between the accounts.

16. The method of claim 10 further comprising displaying an online shopping enhancement dialogue box that accesses special offers relating to a user input keyword.

17. The method of claim 10 further comprising displaying an online shopping enhancement dialogue box that displays special offers relating to a user input keyword search.

18. The method of claim 10 further comprising displaying an online shopping enhancement dialogue box that displays special offers relating to a user product purchase.

19. The method of claim 10 further comprising:

generating a static shopping number; and

generating a dynamic shopping number;

wherein the static shopping number and the dynamic shopping number may be used together to provide a limited shopping credit line.

20. A system to provide online shopping enhancement, the system comprising:

an input module configured to receive electronic information from a financial institution account;

a processor configured to use the received electronic information to configure an online shopping enhancement profile; and

an output module configured to use the online shopping enhancement profile to populate a merchant checkout dialogue box.

21. The system of claim 20 wherein the processor is further configured to generate a static shopping number and to generate a dynamic shopping number, the static shopping number and the dynamic shopping number for use by the output module in providing a limited shopping credit line.