SYSTEM AND METHOD FOR LOADING A DIGITAL WALLET

• US 20140278867A1
• Filed: 03/30/2014
• Published: 09/18/2014
• Est. Priority Date: 04/30/1999
• Status: Abandoned Application

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Levchin, Max R., Nosek, Luke, Thiel, Peter, Banister, Scott
• Application Number:
  US14/229,963
• Publication Number:
  US 20140278867A1
• Time in Patent Office: Days
• US Class Current: 705/14.16
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/223 based on the use of peer-to-peer networks
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• 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 20/38215 Use of certificates or encrypted proofs of transaction rights
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0214 Referral reward systems
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0613 Third-party assisted
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A system and method for facilitating a value exchange transaction are provided. A plurality of identifiers to be associated with a user account that is accessible via the wallet application is received by a networked system from a wallet application on a mobile device. In response, access is provided to a plurality of values corresponding to the received plurality of identifiers. The plurality of values includes monetary values and non-monetary values.

Claims

1. A method comprising:

receiving, by a networked system from a wallet application on a mobile device, a plurality of identifiers to be associated with a user account that is accessible via the wallet application

providing, by a hardware processor, access to a plurality of values corresponding to the received plurality of identifiers, the plurality of values including monetary values and non-monetary values.

2. The method of claim 1, wherein the non-monetary values comprise a voucher or points.

3. The method of claim 1, wherein the non-monetary values comprise a discount.

4. The method of claim 1, wherein the non-monetary values comprise a coupon.

5. The method of claim 1, wherein the non-monetary values comprise a certificate.

6. The method of claim 1, wherein the non-monetary values comprise at least one of frequent flier miles, a credit, a debit, or barter points.

7. The method of claim 1, further comprising:

establishing a connection with the mobile device via the wallet application;

receiving a user identifier associated with the user account; and

providing access to information including amounts corresponding to the plurality of values stored in the user account based on the user identifier.

8. The method of claim 7, further comprising altering at least one of the amounts during the established connection.

9. The method of claim 1, further comprising providing a reward for introducing a new user to the networked system, the reward comprising an addition of value of one of the plurality of values.

10. The method of claim 1, wherein the monetary values comprise at least one of a credit card, a debit card, or a bank account.

11. A machine-readable medium having no transitory signals and storing instructions that, when executed by one or more processors of a machine, cause the machine to perform operations comprising:

receiving, by a networked system from a wallet application on a mobile device, a plurality of identifiers to be associated with a user account that is accessible via the wallet application; and

providing access to a plurality of values corresponding to the received plurality of identifiers, the plurality of values including monetary values and non-monetary values.

12. The machine-readable medium of claim 11, wherein the non-monetary values comprise a voucher or points.

13. The machine-readable medium of claim 11, wherein the non-monetary values comprise a discount.

14. The machine-readable medium of claim 11, wherein the non-monetary values comprise a coupon.

15. The machine-readable medium of claim 11, wherein the non-monetary values comprise a certificate.

16. The machine-readable medium of claim 11, wherein the non-monetary values comprise at least one of frequent flier miles, a credit, a debit, or barter points.

17. The machine-readable medium of claim 11, wherein the operations further comprise:

establishing a connection with the mobile device via the wallet application;

receiving a user identifier associated with the user account; and

providing access to information including amounts corresponding to the plurality of values stored in the user account based on the user identifier.

18. The machine-readable medium of claim 17, wherein the operations further comprise altering at least one of the amounts during the established connection.

19. The machine-readable medium of claim 11, wherein the operations further comprise providing a reward for introducing a new user to the networked system, the reward comprising an addition of value of one of the plurality of values.

20. A system comprising:

one or more servers configured to;

receive, from a wallet application on a mobile device, a plurality of identifiers to be associated with a user account that is accessible via the wallet application; and

provide access to a plurality of values corresponding to the received plurality of identifiers, the plurality of values including monetary values and non-monetary values.