GUI-BASED WALLET PROGRAM FOR ONLINE TRANSACTIONS

• US 20150019422A1
• Filed: 09/30/2014
• 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:
  US14/502,193
• Publication Number:
  US 20150019422A1
• Time in Patent Office: Days
• US Class Current: 705/41
• 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 non-transitory memory that is located in a user device and that includes a plurality of contact information for a plurality of user locations; and

one or more hardware processors that are located in the 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 user device subsequent to the display of an Internet browser that includes a first web page that provides at least one contact information field, wherein the GUI wallet includes a plurality of user-selectable contact elements that are each associated with a different one of the plurality of user locations and that are each selectable by a user to designate a respective one of the plurality of user locations;

detecting a selection of a first contact element from the plurality of user-selectable contact elements included on the GUI wallet and, in response, retrieving first contact information of the plurality of contact information from the non-transitory memory, wherein the first contact information is for a first user location of the plurality of user locations; and

automatically providing the first contact information in the at least one contact information field provided on the first web page included in the Internet browser.

2. The transaction information provisioning system of claim 1, wherein the one or more hardware processors are configured to read instructions from the non-transitory memory to perform the steps of:

rendering the GUI wallet for display on the user device subsequent to the display of the Internet browser that includes a second web page that provides at least one contact information field and that is different than the first web page;

detecting a selection of a second contact element from the plurality of user-selectable contact elements included on the GUI wallet and, in response, retrieving second contact information of the plurality of contact information from the non-transitory memory, wherein the second contact information is for a second user location of the plurality of user locations that is different than the first user location; and

automatically providing the second contact information in the at least one contact information field provided on the second web page included in the Internet browser.

3. The transaction information provisioning system of claim 1, wherein the plurality of contact information for the plurality of user locations include a billing address of the user and a shipping address of the user.

4. The transaction information provisioning system of claim 1, wherein the non-transitory memory stores a plurality of payment information for a plurality of payment accounts, and wherein the one or more hardware processors are configured to read instructions from the non-transitory memory to perform the steps of:

rendering the GUI wallet for display on the user device subsequent to the display of the Internet browser that includes the first web page that provides at least one payment information field, wherein the GUI wallet includes a plurality of user-selectable payment elements that are each associated with a different one of the plurality of payment accounts and that are each selectable by a user to designate a respective one of the plurality of payment accounts;

detecting a selection of a first payment element from the plurality of user-selectable payment elements included on the GUI wallet and, in response, retrieving first payment information of the plurality of payment information from the non-transitory memory, wherein the first payment information is for a first payment account of the plurality of payment accounts; and

automatically providing the first payment information in the at least one payment information field provided on the first web page included in the Internet browser.

5. The transaction information provisioning system of claim 4, wherein the one or more hardware processors are configured to read instructions from the memory to perform the steps of:

rendering the GUI wallet for display on the wireless user device subsequent to the display of the Internet browser that includes a second web page that provides at least one payment information field and that is different than the first web page;

detecting a selection of a second payment element from the plurality of user-selectable payment elements included on the GUI wallet and, in response, retrieving second payment information of the plurality of payment information from the non-transitory memory, wherein the second payment information is for a second payment account of the plurality of payment accounts that is different than the first payment account; and

automatically providing the second payment information in the at least one payment information field provided on the second web page included in the Internet browser.

6. The transaction information provisioning system of claim 1, wherein the non-transitory memory stores a plurality of promotion information for a plurality of promotions, and wherein the one or more hardware processors are configured to read instructions from the non-transitory memory to perform the steps of:

rendering the GUI wallet for display on the wireless user device subsequent to the display of the Internet browser that includes the first web page that provides at least one promotion information field, wherein the GUI wallet includes a plurality of user-selectable promotion elements that are each associated with a different one of the plurality of promotions and that are each selectable by a user to designate a respective one of the plurality of promotions;

detecting a selection of a first promotion element from the plurality of user-selectable promotion elements included on the GUI wallet and, in response, retrieving first promotion information of the plurality of promotion information from the non-transitory memory, wherein the first promotion information is for a first promotion of the plurality of promotions; and

automatically providing the first promotion information in the at least one promotion information field provided on the first web page included in the Internet browser.

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:

rendering the GUI wallet for display on the wireless user device subsequent to the display of the Internet browser that includes a second web page that provides at least one promotion information field and that is different than the first web page;

detecting a selection of a second promotion element from the plurality of user-selectable promotion elements included on the GUI wallet and, in response, retrieving second promotion information of the plurality of promotion information from the non-transitory memory, wherein the second promotion information is for a second promotion of the plurality of promotions that is different than the first promotion; and

automatically providing the second promotion information in the at least one promotion information field provided on the second web page included in the Internet browser.

8. A method for providing transaction information, comprising:

receiving and storing, by a user device in a local database, a plurality of contact information for a plurality of user locations;

rendering, by the user device for display on a display device that is included on the user device, a graphical user interface (GUI) wallet subsequent to the display of an Internet browser that includes a first web page that provides at least one contact information field, wherein the GUI wallet includes a plurality of user-selectable contact elements that are each associated with a different one of the plurality of user locations and that are each selectable by a user to designate a respective one of the plurality of user locations;

detecting, by the user device, a selection of a first contact element from the plurality of user-selectable contact elements included on the GUI wallet and, in response, retrieving first contact information of the plurality of contact information from the local database, wherein the first contact information is for a first user location of the plurality of user locations; and

causing, by the user device, the first contact information to be automatically provided in the at least one contact information field provided on the first web page included in the Internet browser.

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 subsequent to the display of the Internet browser that includes a second web page that provides at least one contact information field and that is different than the first web page;

detecting, by the user device, a selection of a second contact element from the plurality of user-selectable contact elements included on the GUI wallet that is different from the first contact element and, in response, retrieving second contact information of the plurality of contact information from the local database, wherein the second contact information is for a second user location of the plurality of user locations that is different than the first user location; and

causing, by the user device, the second contact information to be automatically provided in the at least one contact information field provided on the second web page included in the Internet browser.

10. The method of claim 8, wherein the plurality of contact information for the plurality of user locations includes a billing address of the user and a shipping address of the user.

11. The method of claim 8, further comprising:

receiving and storing, by the user device in the local database, a plurality of payment information for a plurality of payment accounts;

rendering, by the user device for display on the display device that is included on the user device, the GUI wallet subsequent to the display of the Internet browser that includes the first web page that provides at least one payment information field, wherein the GUI wallet includes a plurality of user-selectable payment elements that are each associated with a different one of the plurality of payment accounts and that are each selectable by a user to designate a respective one of the plurality of payment accounts;

detecting, by the user device, a selection of a first payment element from the plurality of user-selectable payment elements included on the GUI wallet and, in response, retrieving first payment information of the plurality of payment information from the local database, wherein the first payment information is for a first payment account of the plurality of payment accounts; and

causing, by the user device, the first payment information to be automatically provided in the at least one payment information field provided on the first web page included in the Internet browser.

12. The method of claim 11, further comprising:

rendering, by the user device for display on the display device that is included on the wireless user device, the GUI wallet subsequent to the display of the Internet browser that includes a second web page that provides at least one payment information field and that is different than the first web page;

detecting, by the user device, a selection of a second payment element from the plurality of user-selectable payment elements included on the GUI wallet that is different from the first payment element and, in response, retrieving second payment information of the plurality of payment information from the local database, wherein the second payment information is for a second payment account of the plurality of payment accounts that is different than the first payment account; and

causing, by the user device, the second payment information to be automatically provided in the at least one payment information field provided on the second web page included in the Internet browser.

13. The method of claim 8, further comprising:

receiving, by the user device in the local database, and storing a plurality of promotion information for a plurality of promotions;

rendering, by the user device for display on the display device that is included on the wireless user device, the GUI wallet subsequent to the display of the Internet browser that includes the first web page that provides at least one promotion information field, wherein the GUI wallet includes a plurality of user-selectable promotion elements that are each associated with a different one of the plurality of promotions and that are each selectable by a user to designate a respective one of the plurality of promotions;

detecting, by the user device, a selection of a first promotion element from the plurality of user-selectable promotion elements included on the GUI wallet and, in response, retrieving first promotion information of the plurality of promotion information from the local database, wherein the first promotion information is for a first promotion of the plurality of promotions; and

causing, by the user device, the first promotion information to be automatically provided in the at least one promotion information field provided on the first web page included in the Internet browser.

14. The method of claim 13, further comprising:

rendering, by the user device for display on the display device that is included on the wireless user device, the GUI wallet subsequent to the display of the Internet browser that includes a second web page that provides at least one promotion information field and that is different than the first web page;

detecting, by the user device, a selection of a second promotion element from the plurality of user-selectable promotion elements included on the GUI wallet that is different from the first promotion element and, in response, retrieving second promotion information of the plurality of promotion information from the local database, wherein the second promotion information is for a second promotion of the plurality of promotions that is different than the first promotion; and

causing, by the user device, the second promotion information to be automatically provided in the at least one promotion information field provided on the second web page included in the Internet browser.

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:

receiving and storing a plurality of contact information for a plurality of user locations in a local database;

rendering a graphical user interface (GUI) wallet on a display device subsequent to the display of an Internet browser that includes a first web page that provides at least one contact information field, wherein the GUI wallet includes a plurality of user-selectable contact elements that are each associated with a different one of the plurality of user locations and that are each selectable by a user to designate a respective one of the plurality of user locations;

detecting a selection of a first contact element from the plurality of user-selectable contact elements included on the GUI wallet and, in response, retrieving first contact information of the plurality of contact information from the local database, wherein the first contact information is for a first user location of the plurality of user locations; and

automatically providing the first contact information in the at least one contact information field provided on the first web page included in the Internet browser.

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 subsequent to the display of the Internet browser that includes a second web page that provides at least one contact information field and that is different than the first web page;

detecting a selection of a second contact element from the plurality of user-selectable contact elements included on the GUI wallet and, in response, retrieving second contact information of the plurality of contact information from the local database, wherein the second contact information is for a second user location of the plurality of user locations that is different than the first user location; and

automatically providing the second contact information in the at least one contact information field provided on the second web page included in the Internet browser.

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:

receiving and storing a plurality of payment information for a plurality of payment accounts in the local database;

rendering the GUI wallet for display on the user device subsequent to the display of the Internet browser that includes the first web page that provides at least one payment information field, wherein the GUI wallet includes a plurality of user-selectable payment elements that are each associated with a different one of the plurality of payment accounts and that are each selectable by a user to designate a respective one of the plurality of payment accounts;

detecting a selection of a first payment element from the plurality of user-selectable payment elements included on the GUI wallet and, in response, retrieving first payment information of the plurality of payment information from the local database, wherein the first payment information is for a first payment account of the plurality of payment accounts; and

automatically providing the first payment information in the at least one payment information field provided on the first web page included in the Internet browser.

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 for display on the wireless user device subsequent to the display of the Internet browser that includes a second web page that provides at least one payment information field and that is different than the first web page;

detecting a selection of a second payment element from the plurality of user-selectable payment elements included on the GUI wallet and, in response, retrieving second payment information of the plurality of payment information from the local database, wherein the second payment information is for a second payment account of the plurality of payment accounts that is different than the first payment account; and

automatically providing the second payment information in the at least one payment information field provided on the second web page included in the Internet browser.

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:

receiving and storing a plurality of promotion information for a plurality of promotions in the local database;

rendering the GUI wallet for display on the user device subsequent to the display of the Internet browser that includes the first web page that provides at least one promotion information field, wherein the GUI wallet includes a plurality of user-selectable promotion elements that are each associated with a different one of the plurality of promotions and that are each selectable by a user to designate a respective one of the plurality of promotions;

detecting a selection of a first promotion element from the plurality of user-selectable promotion elements included on the GUI wallet and, in response, retrieving first promotion information of the plurality of promotion information from the local database, wherein the first promotion information is for a first promotion of the plurality of promotions; and

automatically providing the first promotion information in the at least one promotion information field provided on the first web page included in the Internet browser.

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 for display on the wireless user device subsequent to the display of the Internet browser that includes a second web page that provides at least one promotion information field and that is different than the first web page;

detecting a selection of a second promotion element from the plurality of user-selectable promotion elements included on the GUI wallet and, in response, retrieving second promotion information of the plurality of promotion information from the local database, wherein the second promotion information is for a second promotion of the plurality of promotions that is different than the first promotion; and

automatically providing the second promotion information in the at least one promotion information field provided on the second web page included in the Internet browser.