SYSTEM AND METHOD FOR MANAGEMENT OF ELECTRONIC WALLET DATABASES

• US 20130024223A1
• Filed: 04/06/2010
• Published: 01/24/2013
• Est. Priority Date: 04/05/2010
• Status: Abandoned Application

• Current Assignee: Omnego, Inc.
• Original Assignee: Omnego, Inc.
• Inventors: Thomas, David William
• Application Number:
  US13/639,468
• Publication Number:
  US 20130024223A1
• Time in Patent Office: Days
• US Class Current: 705/5
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card

Abstract

A system and method for management of electronic wallet databases is provided. In one embodiment portable electronic devices are deployed having a universal wallet application and a wallet data file associated with the application. The wallet data file is configured to maintain a plurality of different types of wallet artifacts in the form of data records. Dynamic content in association with each data record can be generated as each data record is accessed.

Claims

1. A method for management of an electronic wallet database comprising:

receiving, at a portable electronic device, a selection of a data record corresponding to a wallet artifact, wherein said data record is locally stored on said portable electronic device;

identifying a server associated with said data record;

sending an identifier of said device to said server;

receiving dynamic content from an issuer server, wherein said issuer server is configured to maintain and retrieve dynamic content associated with said wallet artifact data record; and

controlling a display to generate said dynamic content and content from said data record.

2. The method of claim 1 wherein said server comprises said issuer server configured to issue said data record.

3. The method of claim 1 wherein said server comprises a central server configured to manage traffic between said issuer server and said electronic device.

4. The method of any claim 1, wherein said dynamic content comprises generic content.

5. The method of claim 4, wherein said generic content comprises an advertisement.

6. The method of claim 1, wherein said wallet artifact comprises one of a business card, a vanity card, a loyalty card, an identification card, a retail coupon, a manufacturers coupon, an event badge, a receipt, an event ticket, a subscriber pass, and a gift card.

7. The method of claim 1, wherein said wallet artifact comprises an Airline “

Air Miles”

card and said dynamic content comprises one or more of a reward balance, a boarding pass or a seat sale.

8. The method claim 1, wherein said wallet artifact comprises an event ticket and said dynamic content comprises one or more of a coupon for restaurant prior to event and a coupon for a venue within said event.

9. The method of claim 1, wherein said wallet artifact comprises a retail loyalty card, and said dynamic content comprises one or more of a reward balance and coupons.

10. A method claim 1, wherein said wallet artifiact comprises a bank debit card and said dynamic content comprises one or more of a financial account balance, mortgage rates, credit card rates.

11. The method of claim 1, wherein said wallet artifact comprises a university identification card and said dynamic content comprises one or more of campus announcements, and a student loan application status.

12. The method of claim 1, wherein said wallet artifact comprises an employment benefits card, and said dynamic content comprises one or more of a benefits claim redemption status tracking message, and a balance of personal health spending account.

13. A method of claim 1, wherein said wallet artifact comprises a retail gift card and said dynamic content comprises one or more of a remaining balance on said gift card, a promotional offer to create a loyalty account, and a coupon redeemable in conjunction with said gift card.

14. The method of claim 1, wherein said wallet artifact comprises a fan-club card for an artist or media program and said dynamic content comprises one or more of a coupon offering for discount on media release via DVD, CD or an online media store, a schedule for upcoming live performance, or a message offering an opportunity to enter a contest via SMS or other electronic message.

15. The method of claim 1, wherein communications between said server and said electronic device are conducted over a secure channel.

16. A portable electronic device comprising;

a memory storage unit; and

a processor connected to the memory storage unit, the processor configured to receive a selection of a data record corresponding to a wallet artifact, wherein said data record is locally storedin the memory storage unit;

said processor configured to identify a server associated with said data record;

said processor configured to send an identifier of said device to said server;

said processor configured to receive dynamic content from an issuer, server, wherein said issuer server is configured to maintain and retrieve dynamic content associated with said wallet artifact data record; and

said processor configured to control a display to generate said dynamic content and content from said data record.

17. A system comprising:

a server associated with a data record corresponding to a wallet artifact; and

a portable electronic device comprising;

a memory storage unit; and

a processor connected to the memory storage unit, the processor configured to receive a selection of said data record, wherein said data record is locally storedin the memory storage unit;

said processor configured to identify a server;

said processor configured to send an identifier of said device to said server;

said processor configured to receive dynamic content from an issuer server, wherein said issuer server is configured to maintain and retrieve dynamic content associated with said wallet artifact data record; and

said processor configured to control a display to generate said dynamic content and content from said data record.