MOBILE WALLET EXPERIENCE FOR RESOLVING CONFLICTS BETWEEN DIFFERENT FINANCIAL INSTITUTIONS AND PAYMENT VEHICLES
First Claim
Patent Images
1. A mobile device for making a financial transaction comprising:
- a memory device;
a user interface configured to present information to a user;
a communication device;
a processing device operatively coupled to the memory device and the communication device; and
a mobile wallet experience configured to;
display, via the user interface, a menu, the menu comprising options selectable to the user, the options comprising at least one financial institution sub-experience;
receive a menu selection request from the user to execute the at least one financial institution sub-experience;
generate a secure connection between the processing device and a secure module, the secure module being associated with the selected financial institution sub-experience;
display, via the user interface, the at least one financial institution sub-experience;
receive instructions from the user accessing the at least one financial institution sub-experience to transmit payment vehicle data to an external apparatus; and
transmit the payment vehicle data wirelessly to the external apparatus.
1 Assignment
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Accused Products
Abstract
In general, apparatuses, methods and computer program products for making contactless financial transactions utilizing a mobile wallet are disclosed. Particularly, a mobile wallet experience is disclosed. The experience aids to resolve conflicts between numerous payment vehicles and, particularly, financial institution-specific programs or sub-experiences on a mobile device. The mobile wallet experience permits a user to freely navigate various payment vehicles and, importantly, navigate efficiently through a plurality of financial institution sub-experiences.
50 Citations
43 Claims
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1. A mobile device for making a financial transaction comprising:
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a memory device; a user interface configured to present information to a user; a communication device; a processing device operatively coupled to the memory device and the communication device; and a mobile wallet experience configured to; display, via the user interface, a menu, the menu comprising options selectable to the user, the options comprising at least one financial institution sub-experience; receive a menu selection request from the user to execute the at least one financial institution sub-experience; generate a secure connection between the processing device and a secure module, the secure module being associated with the selected financial institution sub-experience; display, via the user interface, the at least one financial institution sub-experience; receive instructions from the user accessing the at least one financial institution sub-experience to transmit payment vehicle data to an external apparatus; and transmit the payment vehicle data wirelessly to the external apparatus. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A method for making a financial transaction comprising:
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executing, on a mobile device comprising a memory device, a user interface, a communication device, and a processing device, a mobile wallet experience, the mobile wallet experience comprising a menu of options selectable to a user, the options comprising at least one financial institution sub-experience; select an option to engage a financial institution sub-experience; select a payment vehicle to utilize for the financial transaction; and transmit payment vehicle data associated with the payment vehicle wirelessly to an external apparatus. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34)
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35. A computer program product for making a financial transaction via a mobile device, the computer program product comprising a non-transitory computer-readable medium comprising computer program code instructions for:
executing, on a mobile device, a mobile wallet experience configured to be capable of presenting a menu of options selectable to a user, the options comprising more than one financial institution sub-experience, the financial institution sub-experiences being configured to be compatible with the mobile wallet experience such that a user may freely switch between financial institution sub-experiences without significant delay or conflict, the set of code configured to form a secure connection between a processing device and a secure module upon selection of a financial institution sub-experience by the user, the set of code being further configured to sever the connection between the processing device and the secure module upon instruction from the user to change from the financial institution sub-experience to a second financial institution sub-experience and generate a second secure connection to a second secure module, the second secure module being associated with the second financial institution sub-experience, the set of code being further configured to transmit payment vehicle data associated with a payment vehicle wirelessly to an external apparatus. - View Dependent Claims (36, 37, 38, 39, 40, 41, 42, 43)
Specification