GUI-BASED WALLET PROGRAM FOR ONLINE TRANSACTIONS
First Claim
Patent Images
1. A transaction information provisioning system, comprising:
- a non-transitory memory that is located in a wireless user device and that includes a plurality of funding source information for a plurality of funding sources; and
one or more hardware processors that are located in the wireless user device, coupled to the non-transitory memory, and configured to read instructions from the non-transitory memory to perform the steps of;
rendering a graphical user interface (GUI) wallet for display on the wireless user device subsequent to an interaction with a first merchant checkout system that includes at least one funding source information field, wherein the GUI wallet includes a plurality of user-selectable funding source elements that are each associated with a different one of the plurality of funding sources and that are each selectable by a user to designate a respective one of the plurality of funding sources;
detecting a selection of a first funding source element from the plurality of user-selectable funding source elements included on the GUI wallet and, in response, retrieving first funding source information of the plurality of funding source information from the non-transitory memory, wherein the first funding source information is for a first funding source of the plurality of funding sources; and
automatically providing the first funding source information in the at least one funding source information field included on the first merchant checkout system.
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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.
48 Citations
20 Claims
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1. A transaction information provisioning system, comprising:
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a non-transitory memory that is located in a wireless user device and that includes a plurality of funding source information for a plurality of funding sources; and one or more hardware processors that are located in the wireless user device, coupled to the non-transitory memory, and configured to read instructions from the non-transitory memory to perform the steps of; rendering a graphical user interface (GUI) wallet for display on the wireless user device subsequent to an interaction with a first merchant checkout system that includes at least one funding source information field, wherein the GUI wallet includes a plurality of user-selectable funding source elements that are each associated with a different one of the plurality of funding sources and that are each selectable by a user to designate a respective one of the plurality of funding sources; detecting a selection of a first funding source element from the plurality of user-selectable funding source elements included on the GUI wallet and, in response, retrieving first funding source information of the plurality of funding source information from the non-transitory memory, wherein the first funding source information is for a first funding source of the plurality of funding sources; and automatically providing the first funding source information in the at least one funding source information field included on the first merchant checkout system. - View Dependent Claims (2, 3, 4, 5, 6)
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7. The transaction information provisioning system of claim 7, wherein the one or more hardware processors are configured to read instructions from the non-transitory memory to perform the steps of:
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rendering the GUI wallet for display on the wireless user device subsequent to an interaction with a second merchant checkout system that includes at least one discount information field and that is different than the first merchant checkout system; detecting a selection of a second discount element from the plurality of user-selectable discount elements included on the GUI wallet that is different from the first discount element and, in response, retrieving second discount information of the plurality of discount information from the non-transitory memory, wherein the second discount information is for a second discount of the plurality of discounts that is different than the first discount; and automatically providing the second discount information in the at least one discount information field included on the second merchant checkout system.
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8. A method for providing transaction information, comprising:
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receiving and storing, by a wireless user device in a local database, a plurality of funding source information for a plurality of funding sources; rendering, by the wireless user device for display on a display device that is included on the wireless user device, a graphical user interface (GUI) wallet subsequent to an interaction with a first merchant checkout system that includes at least one funding source information field, wherein the GUI wallet includes a plurality of user-selectable funding source elements that are each associated with a different one of the plurality of funding sources and that are each selectable by a user to designate a respective one of the plurality of funding sources; detecting, by the wireless user device, a selection of a first funding source element from the plurality of user-selectable funding source elements included on the GUI wallet and, in response, retrieving first funding source information of the plurality of funding source information from the local database, wherein the first funding source information is for a first funding source of the plurality of funding sources; and causing, by the wireless user device, the first funding source information to be automatically provided in the at least one funding source information field included on the first merchant checkout system. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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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:
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receiving and storing a plurality of funding source information for a plurality of funding sources in a local database; rendering a graphical user interface (GUI) wallet on a display device subsequent to an interaction with a first merchant checkout system that includes at least one funding source information field, wherein the GUI wallet includes a plurality of user-selectable funding source elements that are each associated with a different one of the plurality of funding sources and that are each selectable by a user to designate a respective one of the plurality of funding sources; detecting a selection of a first funding source element from the plurality of user-selectable funding source elements included on the GUI wallet and, in response, retrieving first funding source information of the plurality of funding source information from the local database, wherein the first funding source information is for a first funding source of the plurality of funding sources; and automatically providing the first funding source information in the at least one funding source information field included on the first merchant checkout system. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification