GUI-BASED WALLET PROGRAM FOR ONLINE TRANSACTIONS

• US 20150019319A1
• Filed: 09/29/2014
• Published: 01/15/2015
• Est. Priority Date: 09/24/2008
• Status: Abandoned Application

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: eBay Inc.
• Inventors: LOW, GAK WEE, Mody, Salil Kirit
• Application Number:
  US14/500,488
• Publication Number:
  US 20150019319A1
• Time in Patent Office: Days
• US Class Current: 705/14.27
• CPC Class Codes: G06F 3/0482 Interaction with lists of selectable items, e.g. menus
• CPC Class Codes: G06F 3/04842 Selection of displayed objects or displayed text elements G06F3/0482 takes precedence
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3267 In-app payments
• 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 20/38 Payment protocols; Details thereof
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• 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 30/00 Commerce
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

Provided is a method and a GUI-based software application that acts as a wallet with network interconnectivity for enabling a user to securely and seamlessly conduct transactions with his or her online financial transaction program by means of a computer or a wireless handheld device without having to depend on an Internet browser.

Claims

1. A transaction information provisioning system, comprising:

a user device that is configured to render a graphical user interface (GUI) wallet for display on the user device in response to an interaction with a first electronic transaction system that includes a first rewards program input, wherein the GUI wallet includes a plurality of user-selectable rewards program elements that are each associated with a different one of a plurality of rewards programs and that are each selectable by a user to designate a respective one of the plurality of rewards programs;

a communication engine that is located in the user device and that is configured to;

detect a selection of a first rewards program element from the plurality of user-selectable rewards program elements included on the GUI wallet and, in response, send a first rewards program information request over a network, wherein the first rewards program information request is for first rewards program information for a first rewards program of the plurality of rewards programs;

receive an encrypted first rewards program information response through the network;

decrypt the encrypted first rewards program information response to retrieve the first rewards program information; and

automatically provide the first rewards program information in the first rewards program input of the first electronic transaction system.

2. The transaction information provisioning system of claim 1, further comprising:

the user device that is configured to render the GUI wallet for display on the user device in response to an interaction with a second electronic transaction system that includes a second rewards program input and that is different than the first electronic transaction system;

the communication engine that is located in the user device and that is configured to;

detect a selection of a second rewards program element from the plurality of user-selectable rewards program elements included on the GUI wallet that is different from the first rewards program element and, in response, send a second rewards program information request over the network, wherein the second rewards program information request is for second rewards program information for a second rewards program of the plurality of rewards programs that is different than the first rewards program;

receive an encrypted second rewards program information response through the network;

decrypt the encrypted second rewards program information response to retrieve the second rewards program information; and

automatically provide the second rewards program information in the second rewards program input of the second electronic transaction system.

3. The transaction information provisioning system of claim 1, wherein the plurality of rewards program information includes rewards points, rewards currency, and rewards codes.

4. The transaction information provisioning system of claim 1, further comprising:

the user device that is configured to render the GUI wallet for display on the user device in response to an interaction with the first electronic transaction system that includes a first user identification input, wherein the GUI wallet includes a plurality of user-selectable user identification elements that are each associated with a different one of a plurality of user contact identifiers and that are each selectable by a user to designate a respective one of the plurality of user contact identifiers;

the communication engine that is located in the user device and that is configured to;

detect a selection of a first user identification element from the plurality of user-selectable user identification elements included on the GUI wallet and, in response, send a first user identification information request over the network, wherein the first user identification information request is for first user identification information for a first user contact identifier of the plurality of user contact identifiers;

receive an encrypted first user identification information response through the network;

decrypt the encrypted first user identification information response to retrieve the first user identification information; and

automatically provide the first user identification information in the first user identification input of the first electronic transaction system.

5. The transaction information provisioning system of claim 4, further comprising:

the user device that is configured to render the GUI wallet for display on the user device in response to an interaction with a second electronic transaction system that includes a second user identification input and that is different than the first electronic transaction system;

the communication engine that is located in the user device and that is configured to;

detect a selection of a second user identification element from the plurality of user-selectable user identification elements included on the GUI wallet that is different from the first user identification element and, in response, send a second user identification information request over the network, wherein the second user identification information request is for second user identification information for a second user contact identifier of the plurality of user contact identifiers that is different than the first user contact identifier;

receive an encrypted second user identification information response through the network;

decrypt the encrypted second user identification information response to retrieve the second user identification information; and

automatically provide the second user identification information in the second user identification input of the second electronic transaction system.

6. The transaction information provisioning system of claim 1, further comprising:

the user device that is configured to render the GUI wallet for display on the user device in response to an interaction with the first electronic transaction system that includes a first transaction information input, wherein the GUI wallet includes a plurality of user-selectable transaction elements that are each associated with a different one of a plurality of transaction devices and that are each selectable by a user to designate a respective one of the plurality of transaction devices;

the communication engine that is located in the user device and that is configured to;

detect a selection of a first transaction element from the plurality of user-selectable transaction elements included on the GUI wallet and, in response, send a first transaction information request over the network, wherein the first transaction information request is for first transaction information for a first transaction device of the plurality of transaction devices;

receive an encrypted first transaction information response through the network;

decrypt the encrypted first transaction information response to retrieve the first transaction information; and

automatically provide the first transaction information in the first transaction information input of the first electronic transaction system.

7. The transaction information provisioning system of claim 7, further comprising:

the user device that is configured to render the GUI wallet for display on the user device in response to an interaction with a second electronic transaction system that includes a second transaction information input and that is different than the first electronic transaction system;

the communication engine that is located in the user device and that is configured to;

detect a selection of a second transaction element from the plurality of user-selectable transaction elements included on the GUI wallet that is different from the first transaction element and, in response, send a second transaction information request over the network, wherein the second transaction information request is for second transaction information for a second transaction device of the plurality of transaction devices that is different than the first transaction device;

receive an encrypted second transaction information response through the network;

decrypt the encrypted second transaction information response to retrieve the second transaction information; and

automatically provide the second transaction information in the second transaction information input of the second electronic transaction system.

8. A method for providing transaction information, comprising:

rendering, by a user device for display on a display device that is included on the user device, a graphical user interface (GUI) wallet in response to an interaction with a first electronic transaction system that includes a first rewards program input, wherein the GUI wallet includes a plurality of user-selectable rewards program elements that are each associated with a different one of a plurality of rewards programs and that are each selectable by a user to designate a respective one of the plurality of rewards programs;

detecting, by a communication engine that is located in the user device, a selection of a first rewards program element from the plurality of user-selectable rewards program elements included on the GUI wallet and, in response, sending a first rewards program information request over a network, wherein the first rewards program information request is for first rewards program information for a first rewards program of the plurality of rewards programs;

receiving, by the communication engine, an encrypted first rewards program information response through the network;

decrypting, by the communication engine, the encrypted first rewards program information response to retrieve the first rewards program information; and

automatically providing, by the communication engine, the first rewards program information in the first rewards program input of the first electronic transaction system.

9. The method of claim 8, further comprising:

rendering, by the user device for display on the display device that is included on the user device, the GUI wallet in response to an interaction with a second electronic transaction system that includes a second rewards program input and that is different than the first electronic transaction system;

detecting, by the communication engine that is located in the user device, a selection of a second rewards program element from the plurality of user-selectable rewards program elements included on the GUI wallet that is different from the first rewards program element and, in response, sending a second rewards program information request over the network, wherein the second rewards program information request is for second rewards program information for a second rewards program of the plurality of rewards programs that is different than the first rewards program;

receiving, by the communication engine, an encrypted second rewards program information response through the network;

decrypting, by the communication engine, the encrypted second rewards program information response to retrieve the second rewards program information; and

automatically providing, by the communication engine, the second rewards program information in the second rewards program input of the second electronic transaction system.

10. The method of claim 8, wherein the plurality of rewards program information includes rewards points, rewards currency, and rewards codes.

11. The method of claim 8, further comprising:

rendering, by the user device for display on the display device that is included on the user device, the GUI wallet in response to an interaction with the first electronic transaction system that includes a first user identification input, wherein the GUI wallet includes a plurality of user-selectable user identification elements that are each associated with a different one of a plurality of user contact identifiers and that are each selectable by a user to designate a respective one of the plurality of user contact identifiers;

detecting, by the communication engine that is located in the user device, a selection of a first user identification element from the plurality of user-selectable user identification elements included on the GUI wallet and, in response, sending a first user identification information request over the network, wherein the first user identification information request is for first user identification information for a first user contact identifier of the plurality of user contact identifiers;

receiving, by the communication engine, an encrypted first user identification information response through the network;

decrypting, by the communication engine, the encrypted first user identification information response to retrieve the first user identification information; and

automatically providing, by the communication engine, the first user identification information in the first user identification input of the first electronic transaction system.

12. The method of claim 11, further comprising:

rendering, by the user device for display on the display device that is included on the user device, the GUI wallet in response to an interaction with a second electronic transaction system that includes a second user identification input and that is different than the first electronic transaction system;

detecting, by the communication engine that is located in the user device, a selection of a second user identification element from the plurality of user-selectable user identification elements included on the GUI wallet that is different from the first user identification element and, in response, sending a second user identification information request over the network, wherein the second user identification information request is for second user identification information for a second user contact identifier of the plurality of user contact identifiers that is different than the first user contact identifier;

receiving, by the communication engine, an encrypted second user identification information response through the network;

decrypting, by the communication engine, the encrypted user identification information response to retrieve the second user identification information; and

automatically providing, by the communication engine, the second user identification information in the second user identification input of the second electronic transaction system.

13. The method of claim 8, further comprising:

rendering, by the user device for display on the display device that is included on the user device, the GUI wallet in response to an interaction with the first electronic transaction system that includes a first transaction information input, wherein the GUI wallet includes a plurality of user-selectable transaction elements that are each associated with a different one of a plurality of transaction devices and that are each selectable by a user to designate a respective one of the plurality of transaction devices;

detecting, by the communication engine that is located in the user device, a selection of a first transaction element from the plurality of user-selectable transaction elements included on the GUI wallet and, in response, sending a first transaction information request over the network, wherein the first transaction information request is for first transaction information for a first transaction device of the plurality of transaction devices;

receiving, by the communication engine, an encrypted first transaction information response through the network;

decrypting, by the communication engine, the encrypted first transaction information response to retrieve the first transaction information; and

automatically providing, by the communication engine, the first transaction information in the first transaction information input of the first electronic transaction system.

14. The method of claim 13, further comprising:

rendering, by the user device for display on the display device that is included on the user device, the GUI wallet in response to an interaction with a second electronic transaction system that includes a second transaction information input and that is different than the first electronic transaction system;

detecting, by the communication engine that is located in the user device, a selection of a second transaction element from the plurality of user-selectable transaction elements included on the GUI wallet that is different from the first transaction element and, in response, sending a second transaction information request over the network, wherein the second transaction information request is for second transaction information for a second transaction device of the plurality of transaction devices that is different than the first transaction device;

receiving, by the communication engine, an encrypted second transaction information response through the network;

decrypting, by the communication engine, the encrypted transaction information response to retrieve the second transaction information; and

automatically providing, by the communication engine, the second transaction information in the second transaction information input on the second electronic transaction system.

15. A non-transitory, machine-readable medium comprising a plurality of machine-readable instructions that, when executed by one or more processors, are configured to cause the one or more processors to perform a method comprising:

rendering a graphical user interface (GUI) wallet on a display device in response to an interaction with a first electronic transaction system that includes a first rewards program input, wherein the GUI wallet includes a plurality of user-selectable rewards program elements that are each associated with a different one of a plurality of rewards programs and that are each selectable by a user to designate a respective one of the plurality of rewards programs; and

providing a communication engine that;

detects a selection of a first rewards program element from the plurality of user-selectable rewards program elements included on the GUI wallet and, in response, sends a first rewards program information request over a network, wherein the first rewards program information request is for first rewards program information for a first rewards program of the plurality of rewards programs;

receives an encrypted first rewards program information response through the network;

decrypts the encrypted first rewards program information response to retrieve the first rewards program information; and

automatically provides the first rewards program information in the first rewards program input on the first electronic transaction system.

16. The machine-readable medium of claim 15, wherein the plurality of machine-readable instructions are configured to cause the one or more processors to perform the method further comprising:

rendering the GUI wallet on the display device in response to an interaction with a second electronic transaction system that includes a second rewards program input and that is different than the first electronic transaction system; and

providing the communication engine that;

detects a selection of a second rewards program element from the plurality of user-selectable rewards program elements included on the GUI wallet that is different from the first rewards program element and, in response, sends a second rewards program information request over the network, wherein the second rewards program information request is for second rewards program information for a second rewards program of the plurality of rewards programs that is different than the first rewards program;

receives an encrypted second rewards program information response through the network;

decrypts the encrypted second rewards program information response to retrieve the second rewards program information; and

automatically provides the second rewards program information in the second rewards program input on the second electronic transaction system.

17. The machine-readable medium of claim 15, wherein the plurality of machine-readable instructions are configured to cause the one or more processors to perform the method further comprising:

rendering the GUI wallet on the display device in response to an interaction with the first electronic transaction system that includes a first user identification input, wherein the GUI wallet includes a plurality of user-selectable user identification elements that are each associated with a different one of a plurality of user contact identifiers and that are each selectable by a user to designate a respective one of the plurality of user contact identifiers; and

providing the communication engine that;

detects a selection of a first user identification element from the plurality of user-selectable user identification elements included on the GUI wallet and, in response, sends a first user identification information request over the network, wherein the first user identification information request is for first user identification information for a first user contact identifier of the plurality of user contact identifiers;

receives an encrypted first user identification information response through the network;

decrypts the encrypted first user identification information response to retrieve the first user identification information; and

automatically provides the first user identification information in the first user identification input on the first electronic transaction system.

18. The machine-readable medium of claim 17, wherein the plurality of machine-readable instructions are configured to cause the one or more processors to perform the method further comprising:

rendering the GUI wallet on the display device in response to an interaction with a second electronic transaction system that includes a second user identification input and that is different than the first electronic transaction system; and

providing the communication engine that;

detects a selection of a second user identification element from the plurality of user-selectable user identification elements included on the GUI wallet that is different from the first user identification element and, in response, sends a second user identification information request over the network, wherein the second user identification information request is for second user identification information for a second user contact identifier of the plurality of user contact identifiers that is different than the first user contact identifier;

receives an encrypted second user identification information response through the network;

decrypts the encrypted second user identification information response to retrieve the second user identification information; and

automatically provides the second user identification information in the second user identification input on the second electronic transaction system.

19. The machine-readable medium of claim 15, wherein the plurality of machine-readable instructions are configured to cause the one or more processors to perform the method further comprising:

rendering the GUI wallet on the display device in response to an interaction with the first electronic transaction system that includes a first transaction information input, wherein the GUI wallet includes a plurality of user-selectable transaction elements that are each associated with a different one of a plurality of transaction devices and that are each selectable by a user to designate a respective one of the plurality of transaction devices; and

providing the communication engine that;

detects a selection of a first transaction element from the plurality of user-selectable transaction elements included on the GUI wallet and, in response, sends a first transaction information request over the network, wherein the first transaction information request is for first transaction information for a first transaction device of the plurality of transaction devices;

receives an encrypted first transaction information response through the network;

decrypts the encrypted first transaction information response to retrieve the first transaction information; and

automatically provides the first transaction information in the first transaction information input on the first electronic transaction system.

20. The machine-readable medium of claim 19, wherein the plurality of machine-readable instructions are configured to cause the one or more processors to perform the method further comprising:

rendering the GUI wallet on the display device in response to an interaction with a second electronic transaction system that includes a second transaction information input and that is different than the first electronic transaction system; and

providing the communication engine that;

detects a selection of a second transaction element from the plurality of user-selectable discount elements included on the GUI wallet that is different from the first transaction element and, in response, sends a second transaction information request over the network, wherein the second transaction information request is for second transaction information for a second transaction device of the plurality of transaction devices that is different than the first transaction device;

receives an encrypted second transaction information response through the network;

decrypts the encrypted second transaction information response to retrieve the second transaction information; and

automatically provides the second transaction information in the second transaction information input on the second electronic transaction system.