System and Method for Mobile Device-Based Smart Wallet
First Claim
1. A method for conducting a payment transaction using a smart wallet, the method comprising:
- accepting financial account information input by a consumer, wherein the financial account information includes a financial institution name, an account number and an access password;
storing the financial account information and transmitting the financial account information to a smart wallet management server;
obtaining and displaying a list of merchandise purchased at a store and a total payment amount for the purchased merchandise;
providing a recommendation for making the payment amount; and
transmitting a payment request to the smart wallet management server.
1 Assignment
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Accused Products
Abstract
A method for conducting a payment transaction using a smart wallet is proposed. The smart wallet accepts financial account information input by a consumer. The smart wallet stores the financial account information and transmits the financial account information to a smart wallet management server. When the consumer shops at a store, the smart wallet displays a list of merchandise purchased at the store and a total payment amount of the purchased merchandise. The smart wallet also provides a recommendation for making the payment amount. Finally, the smart wallet transmits a payment request to the smart wallet management server such that the payment is authorized and the payment transaction is completed. In one embodiment, the smart wallet can be used as a key to access shared mailboxes, resulting in significant improvement on package delivery operations for both couriers and consumers.
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Citations
20 Claims
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1. A method for conducting a payment transaction using a smart wallet, the method comprising:
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accepting financial account information input by a consumer, wherein the financial account information includes a financial institution name, an account number and an access password; storing the financial account information and transmitting the financial account information to a smart wallet management server; obtaining and displaying a list of merchandise purchased at a store and a total payment amount for the purchased merchandise; providing a recommendation for making the payment amount; and transmitting a payment request to the smart wallet management server. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method for managing smart wallet applications, the method comprising:
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storing and updating a plurality of smart wallet consumer accounts, wherein each consumer account comprises a personal profile, financial account information, and transaction history information; receiving a payment request for a specific payment amount transmitted from a smart wallet application by a consumer; and recommending a payment method to the consumer and authorizing a selected payment method. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A method of providing delivery via public mailboxes, the method comprising:
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receiving delivery information transmitted from a mobile device of a delivery personnel; and transmitting a delivery notification to a smart wallet application of a consumer based on the received delivery information, wherein the delivery notification comprises a mailbox address, a mailbox number, and a security code, and wherein the security code is used by the consumer to open a mailbox with the mailbox number located at the mailbox address. - View Dependent Claims (18, 19, 20)
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Specification