System and Method for Enhanced Mobile Wallet

• US 20130159181A1
• Filed: 12/20/2012
• Published: 06/20/2013
• Est. Priority Date: 12/20/2011
• Status: Abandoned Application

• Current Assignee: Sybase 365 Incorporated (SAP SE)
• Original Assignee: Sybase 365 Incorporated (SAP SE)
• Inventors: Hueck, Markus
• Application Number:
  US13/721,165
• Publication Number:
  US 20130159181A1
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 30/0258 Registration

Abstract

A flexible, extensible, and dynamically configurable Mobile Wallet (mWallet) facility that inter alia leverages the ubiquitous nature of wireless devices to inter alia ‘store’ a quanta of value (including inter alia an amount of money, coupons, vouchers, credits, points, rewards/awards, etc.) on a wireless device so that a user of such a device may subsequently employ just their ever-present wireless device to among other things complete the payment portion of a transaction.

Claims

1. A method, performed on a computing device, that implements a Mobile Wallet (mWallet) facility for a plurality of users, the method comprising:

receiving a unique identifier that is associated with the mWallet facility;

ascertaining, using the unique identifier, information about the mWallet facility including at least a quanta of value that was previously added; and

sending aspects of the information to at least one of a merchant or a user.

2. The method of claim 1, wherein the unique identifier is a telephone number.

3. The method of claim 1, wherein the information comprises details defined by a user of the mWallet facility during a registration process.

4. The method of claim 3, wherein the details defined during the registration process includes one or more of Identifying Information, Financial Information, and Billing Information.

5. The method of claim 3, wherein the details defined during the registration process are preserved through a Mobile Subscriber (MS) Profile.

6. The method of claim 3, wherein the registration process is web-based.

7. The method of claim 3, wherein the registration process includes a billing component.

8. The method of claim 1, further comprising receiving a Personal Identification Number (PIN) from one of the users as part of a mobile commerce transaction.

9. The method of claim 8, wherein the PIN was provided to the one of the users during a prior registration process.

10. The method of claim 1, further comprising interacting with a financial institution to modify aspects of the mWallet facility.

11. The method of claim 1, wherein the quanta of value is based on a value of at least one of amount of money, coupons, vouchers, credits, points, rewards or awards.