MANAGING VIRTUAL WALLETS PROVIDED BY A MOBILE TERMINAL

• US 20140058936A1
• Filed: 02/07/2013
• Published: 02/27/2014
• Est. Priority Date: 02/09/2012
• Status: Abandoned Application

• Current Assignee: Deutsche Telekom AG
• Original Assignee: Deutsche Telekom AG
• Inventors: REN, Zhiyun, HEUER, Joerg, YIN, Ming, HOFMANN, Klaus-Peter
• Application Number:
  US13/761,325
• Publication Number:
  US 20140058936A1
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: H04L 67/34 involving the movement of software or configuration parameters network booting or remote initial program loading [RIPL] G06F9/4416
• CPC Class Codes: H04W 4/02 Services making use of location information

Abstract

A method for managing a plurality of virtual wallets provided by a mobile terminal for carrying out transactions with electronic devices. The plurality of virtual wallets receives different virtual objects and manages resources available via the different virtual objects. Each virtual wallet of the plurality of virtual wallets includes a respective security element connected to the mobile terminal used for identification in a transaction and a respective wallet application for controlling transactions and providing a user interface for a user of the mobile terminal. The plurality of virtual wallets are linked and displayed by a unitary wallet application. The method includes accessing, by the unitary wallet application, a security element of a virtual wallet for a transaction via a hardware control interface supported by the mobile terminal that is universal to the respective security elements of the plurality of virtual wallets.

Claims

1. A method for managing a plurality of virtual wallets provided by a mobile terminal for carrying out transactions with electronic devices, wherein the plurality of virtual wallets receives different virtual objects and manages resources available via the different virtual objects, wherein each virtual wallet of the plurality of virtual wallets includes a respective security element connected to the mobile terminal used for identification in cashless transaction process and a respective software-based wallet application for controlling the cashless transaction process and for displaying the virtual wallet on the mobile terminal for interaction with a user of the mobile terminal, and wherein the plurality of virtual wallets are linked and displayed by a unitary wallet application, the method comprising:

accessing, by the unitary wallet application, the respective security element of a virtual wallet for the cashless transaction process via a hardware control interface supported by the mobile terminal that is universal to the respective security elements of the plurality of virtual wallets.

2. The method of claim 1, wherein the different virtual objects include at least one of virtualized payment of virtualized credit cards.

3. The method of claim 1, wherein the resources managed by the plurality of virtual wallets include amounts of money in the form of transmittable data so as to carry out the cashless transaction process.

4. The method according to claim 1, wherein items of information on different virtual wallets and information related to graphically displaying the items of information are managed in a database associated with the unitary wallet application, said items of information being linked to details of respective virtual objects received by respective virtual wallets.

5. The method according to claim 4, wherein the database is administered and updated by the user of the mobile terminal.

6. The method according to claim 5, wherein the database is capable of being configured, administered and updated by the mobile terminal containing the database.

7. A method for managing a plurality of virtual wallets provided by a mobile terminal for carrying out transactions with electronic devices, wherein the plurality of virtual wallets receives different virtual objects and manages resources available via the different virtual objects, wherein each virtual wallet of the plurality of virtual wallets includes a respective security element connected to the mobile terminal used for identification in a cashless transaction process and a respective software-based wallet application for controlling the cashless transaction process and for displaying the virtual wallet on the mobile terminal for interaction with a user of the mobile terminal, and wherein the plurality of virtual wallets are linked and displayed by a unitary wallet application, the method comprising:

accessing, by the unitary wallet application, the respective security element of a virtual wallet for the cashless transaction process via a programming interface between the unitary wallet application and the wallet application of the virtual wallet, wherein the virtual wallet is equipped with a hardware control interface for access to the security element of the virtual wallet, and wherein the wallet application is configured specifically for the security element.

8. The method according to claim 7, wherein the different virtual objects include at least one of virtualized payment or virtualized credit cards.

9. The method according to claim 7, wherein the resources managed by the plurality of virtual wallets include amounts of money in the form of transmittable data so as to carry out the cashless transaction processes.

10. The method according to claim 7, wherein items of information on different virtual wallets and information related to graphically displaying the items of information are managed in a database associated with the unitary wallet application, said items of information being linked to details of respective virtual objects received by respective virtual wallets.

11. The method according to claim 8, wherein the database is administered and updated by the user of the mobile terminal.

12. The method according to claim 9, wherein the database is capable of being configured, administered and updated by the mobile terminal containing the database.