VIRTUAL WALLET
First Claim
Patent Images
1. A computer-implemented virtual wallet method, comprising the steps of:
- establishing a central portal web site connected to a network;
registering a plurality of end users with the web site, including issuing a unique username and password for accessing the central portal web site to each of the end users;
receiving a request from the end users to include accounts with financial institutions in the end users'"'"' corresponding virtual wallet;
establishing a link to the financial institutions requested by the end users;
receiving a request from the end users to include accounts with institutions maintaining non-financial personal information regarding the end users in the end users'"'"' corresponding virtual wallet;
establishing a link to the institutions maintaining non-financial personal information requested by the end users;
upon authenticating one of the end user'"'"'s username and password, connecting the end user to the financial institution through the link to access the end user'"'"'s financial information stored by the financial institution; and
upon authenticating one of the end user'"'"'s username and password, connecting the end user to the institution maintaining the end user'"'"'s non-financial personal information through the link to access the end user'"'"'s non-financial personal information stored by the institution.
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Abstract
The virtual wallet method provides an account routing system that links all end user account issuing institutions to a central portal for electronic commerce transactions. Moreover, the issuing institutions can be linked to the central portal for identification and/or any personal information kept by an institute where an account exists.
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Citations
18 Claims
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1. A computer-implemented virtual wallet method, comprising the steps of:
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establishing a central portal web site connected to a network; registering a plurality of end users with the web site, including issuing a unique username and password for accessing the central portal web site to each of the end users; receiving a request from the end users to include accounts with financial institutions in the end users'"'"' corresponding virtual wallet; establishing a link to the financial institutions requested by the end users; receiving a request from the end users to include accounts with institutions maintaining non-financial personal information regarding the end users in the end users'"'"' corresponding virtual wallet; establishing a link to the institutions maintaining non-financial personal information requested by the end users; upon authenticating one of the end user'"'"'s username and password, connecting the end user to the financial institution through the link to access the end user'"'"'s financial information stored by the financial institution; and upon authenticating one of the end user'"'"'s username and password, connecting the end user to the institution maintaining the end user'"'"'s non-financial personal information through the link to access the end user'"'"'s non-financial personal information stored by the institution. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A computer software product, comprising a non-transitory medium readable by a processor, the medium having stored thereon a set of instructions for performing a virtual wallet method, the set of instructions including:
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(a) a first sequence of instructions which, when executed by the processor, causes said processor to establish a central portal web site connected to a network; (b) a second sequence of instructions which, when executed by the processor, causes said processor to register a plurality of end users with the web site, including issuing a unique username and password for accessing the central portal web site to each of the end users; (c) a third sequence of instructions which, when executed by the processor, causes said processor to receive a request from the end users to include accounts with financial institutions in the end users'"'"' corresponding virtual wallet; (d) a fourth sequence of instructions which, when executed by the processor, causes said processor to establish a link to the financial institutions requested by the end users; (e) a fifth sequence of instructions which, when executed by the processor, causes said processor to receive a request from the end users to include accounts with institutions maintaining non-financial personal information regarding the end users in the end users'"'"' corresponding virtual wallet; (f) a sixth sequence of instructions which, when executed by the processor, causes said processor to establish a link to the institutions maintaining non-financial personal information requested by the end users; (g) a seventh sequence of instructions which, when executed by the processor, causes said processor to upon authenticating one of the end user'"'"'s username and password, connect the end user to the financial institution through the link to access the end user'"'"'s financial information stored by the financial institution; and (h) an eighth sequence of instructions which, when executed by the processor, causes said processor to upon authenticating one of the end user'"'"'s username and password, connect the end user to the institution maintaining the end user'"'"'s non-financial personal information through the link to access the end user'"'"'s non-financial personal information stored by the institution. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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Specification