METHOD AND SYSTEM FOR ELECTRONIC WALLET ACCESS
First Claim
Patent Images
1. A method of facilitating secured payment from an electronic wallet on a portable device, comprising:
- storing, on the portable device, an electronic wallet comprising data for authorizing a payment transaction, wherein said data includes a passcode for enabling access to the electronic wallet and a flag indicating whether input of the passcode is required to access the electronic wallet;
receiving, from a remote apparatus, a command to set the flag to indicate that input of the passcode is required to access the electronic wallet; and
responsive to a request to conduct a payment transaction from the electronic wallet, prompting for input of a passcode if the flag indicates that input of the passcode is required, verifying the input passcode, and providing payment information to authorize the payment transaction.
1 Assignment
0 Petitions
Accused Products
Abstract
A mobile payment method, system and graphical user interface are described that facilitate efficient and secured payment transactions from an electronic wallet on a user portable electronic device with a merchant point of sale terminal over a contactless communications link. In one aspect, the electronic wallet includes a flag indicating whether input of the passcode is required to access the electronic wallet, which flag can be set by a remote device. In another aspect, a shortcut is provided to directly execute the payment features of the electronic wallet application software.
-
Citations
34 Claims
-
1. A method of facilitating secured payment from an electronic wallet on a portable device, comprising:
-
storing, on the portable device, an electronic wallet comprising data for authorizing a payment transaction, wherein said data includes a passcode for enabling access to the electronic wallet and a flag indicating whether input of the passcode is required to access the electronic wallet; receiving, from a remote apparatus, a command to set the flag to indicate that input of the passcode is required to access the electronic wallet; and responsive to a request to conduct a payment transaction from the electronic wallet, prompting for input of a passcode if the flag indicates that input of the passcode is required, verifying the input passcode, and providing payment information to authorize the payment transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 26, 28)
-
-
11. A method of facilitating payment from an electronic wallet on a portable device, comprising:
-
storing, on the portable device, wallet application software for accessing the electronic wallet, including executable code for facilitating access to data defining one or more mobile payment accounts in the electronic wallet and executable code for facilitating activation of a secure payment from a mobile payment account; storing, on the portable device, further payment application software associated with the executable code in the wallet application software for facilitating activation; and receiving a user input selection of the second application software and in response, directly executing the associated executable code in the first application software to facilitate activation of a secure payment from the mobile payment account. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 33)
-
-
20. A graphical user interface for facilitating payment from an electronic wallet on a portable device, comprising a first icon associated with wallet application software for accessing the electronic wallet, including executable code for facilitating access to data defining one or more mobile payment accounts in the electronic wallet and for facilitating activation of a secure payment from a mobile payment account;
- a second icon associated with executable code for facilitating direct activation of a secure payment from a mobile payment account; and
receiving user selection of the second icon and directly executing the application software for facilitating activation of a secure payment from a mobile payment account. - View Dependent Claims (21, 22, 23, 24, 25, 27, 34)
- a second icon associated with executable code for facilitating direct activation of a secure payment from a mobile payment account; and
-
29. A computer program comprising program code arranged to perform a method of facilitating payment from an electronic wallet on a portable device when executed by the portable device, comprising:
-
computer-implementable instructions for storing, on the portable device, an electronic wallet comprising data for completing a payment transaction, wherein said data includes a passcode for enabling access to the electronic wallet and a flag indicating whether input of the passcode is required to access the electronic wallet; computer-implementable instructions for receiving a command from a device remote from the portable device to set the flag to indicate that input of the passcode is required to access the electronic wallet; and computer-implementable instructions, responsive to a request to conduct a payment transaction from the electronic wallet, for prompting for input of a passcode if the flag indicates that input of the passcode is required, verifying the input passcode, and providing payment information to authorize the payment transaction. - View Dependent Claims (31)
-
-
30. A computer program comprising program code arranged to perform a method of facilitating payment from an electronic wallet on a portable device when executed by the portable device, comprising:
-
computer-implementable wallet application software for accessing the electronic wallet, including executable code for facilitating access to data defining one or more mobile payment accounts in the electronic wallet and executable code for facilitating activation of a secure payment from a mobile payment account; computer-implementable payment application software including executable code associated with the executable code in the wallet application software for facilitating activation, wherein in response to a user input selection of the second application software, the linked executable code in the first application software is executed directly by the portable device to facilitate activation of a secure payment from the mobile payment account. - View Dependent Claims (32)
-
Specification