UPDATING A DIGITAL WALLET FROM FINANCIAL ACCOUNT ISSUER

• US 20150019417A1
• Filed: 06/26/2013
• Published: 01/15/2015
• Est. Priority Date: 06/26/2013
• Status: Abandoned Application

• Current Assignee: Google Inc. (Alphabet Inc.)
• Original Assignee: Google Inc. (Alphabet Inc.)
• Inventors: Andrews, Mark William, Kunz, William Dennis, Schenker, Michael, Hu, Stephen Tai-Chung, Chen, Steve, Nadkarni, Reena, Newman, Jonathan M., Clay, Buckner Woodford IV, Wong, Titia Tin Yee
• Application Number:
  US13/928,349
• Publication Number:
  US 20150019417A1
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof

Abstract

A digital wallet provider system provides an interface specification to a financial account issuer. Using the interface specification, the financial account issuer system provides user financial account information directly to the digital wallet provider system without requiring the user to enter the user'"'"'s financial account information. Once the digital wallet provider system receives the user'"'"'s financial account information from the financial account issuer system, the digital wallet provider system verifies the identity of the user and the completeness of the financial account information received from the financial account issuer system. The digital wallet provider then updates the user'"'"'s digital wallet account, on behalf of the user, to include the user'"'"'s financial account.

Claims

1. A computer-implemented method for updating digital wallet accounts to include user financial accounts, comprising:

establishing, by the one or more computing systems, a digital wallet record of a user;

receiving, by one or more computing devices, financial account information for a financial account of the user, the financial account information being received from an issuer computing system associated with an issuer of the financial account of the user in response to an input into the issuer computing system providing an instruction to the issuer computing system to communicate the user'"'"'s financial account information from the issuer computing system to the one or more computing devices on behalf of the user;

verifying, by the one or more computing devices, an identity of the user; and

,

when the identity of the user is verified, establishing, by the one or more computing devices and on behalf of the user, a financial account of the user with the digital wallet record of the user, wherein the financial account is determined based on the financial information received from the issuer computing system on behalf of the user.

2. The method of claim 1, further comprising presenting, by the one or more computing devices, an option for the user to add the user'"'"'s financial account to the digital wallet record of the user.

3. The method of claim 2, further comprising receiving, by the one or more computing devices, a selection of the option from the user, wherein establishing the financial account of the user with updating the digital wallet record of the user occurs in response to receiving the selection of the option from the user.

4. The method of claim 2, wherein the presenting of the option is performed by communicating information to the issuer computing system to allow the issuer computing system to present the option via the issuer computing system.

5. The method of claim 1, further comprising verifying, by the one or more computing devices, the financial account information received from the issuer computing system, wherein the financial account information is verified before establishing the financial account of the user with the digital wallet record of the user.

6. The method of claim 5, further comprising communicating, by the one or more computing devices, a validation error to the issuer of the financial account in response to an unsuccessful verifying of the financial account information received from the issuer computing system.

7. The method of claim 1, wherein verifying the identity of the user comprises:

receiving, by the one or more computing devices and as part of the financial account information, one or more credentials of the user; and

,

confirming, by the one or more computing devices, that the one or more received credentials match one or more corresponding credentials of the user associated with the digital wallet record of the user.

8. A system for updating digital wallet accounts to include user financial accounts, comprising:

a storage device;

a processor communicatively coupled to the storage device, wherein the processor executes application code instructions that are stored in the storage device to cause the system to;

establish a digital wallet record of a user;

receive financial account information for a financial account of the user, the financial account information being received from an issuer computing system associated with an issuer of the financial account of the user in response to an input into the issuer computing system providing an instruction to the issuer computing system to communicate the user'"'"'s financial account information from the issuer computing system to the one or more computing devices on behalf of the user;

verify an identity of the user; and

,

when the identity of the user is verified, establish, on behalf of the user, a financial account of the user with the digital wallet account of the user, wherein the financial account is determined based on the financial information received from the issuer computing system on behalf of the user.

9. The system of claim 8, further comprising presenting an option for the user to add the user'"'"'s financial account to the digital wallet account of the user.

10. The system of claim 9, further comprising receiving a selection of the option from the user, wherein establishing the financial account of the user with the digital wallet account of the user occurs in response to receiving the selection of the option from the user.

11. The system of claim 9, wherein the presenting of the option is performed by communicating information to the issuer computing system to allow the issuer computing system to present the option via the issuer computing system.

12. The system of claim 8, further comprising verifying the financial account information received from the issuer computing system, wherein the financial account information is verified before updating the digital wallet account of the user.

13. The system of claim 12, further comprising communicating a validation error to the issuer of the financial account in response to an unsuccessful verifying of the financial account information received from the issuer of the financial account.

14. The system of claim 8, further comprising communicating a notification that the digital wallet account of the user has been updated to include the financial account information of the user.

15. A computer program product, comprising:

a non-transitory computer-readable storage device having computer-readable program instructions embodied thereon that when executed by a computer cause the computer to update a digital wallet account to include user financial accounts, the computer-executable program instructions comprising;

computer program instructions to establish a digital wallet record of a user;

computer program instructions to receive financial account information for a financial account of the user, the financial account information being received from an issuer computing system associated with an issuer of the financial account of the user in response to an input into the issuer computing system providing an instruction to the issuer computing system to communicate the user'"'"'s financial account information from the issuer computing system to the one or more computing devices on behalf of the user;

computer program instructions to verify an identity of the user; and

,

when the identity of the user is verified, computer program instructions to establish, on behalf of the user, a financial account of the user with, wherein the financial account is determined based on the financial information received from the issuer computing system on behalf of the user.

16. The computer program product of claim 15, further comprising presenting an option for the user to add the user'"'"'s financial account to the digital wallet account of the user.

17. The computer program product of claim 16, further comprising receiving a selection of the option from the user, wherein establishing the financial account of the user with the digital wallet account of the user occurs in response to receiving the selection of the option from the user.

18. The computer program product of claim 16, wherein the presenting of the option is performed by communicating information to the issuer computing system to allow the issuer computing system to present the option via the issuer computing system.

19. The computer program product of claim 15, further comprising verifying the financial account information received from the issuer computing system, wherein the financial account information is verified before updating the digital wallet account of the user.

20. The computer program product of claim 19, further comprising communicating a validation error to the issuer of the financial account in response to an unsuccessful verifying of the financial account information received from the issuer computing system.