Digital money choice and eWallet selection

• US 20160162882A1
• Filed: 12/08/2014
• Published: 06/09/2016
• Est. Priority Date: 12/08/2014
• Status: Abandoned Application

• Current Assignee: Guy Lamonte Iii Mcclung
• Original Assignee: Guy Lamonte Iii Mcclung
• Inventors: McClung, III, Guy LaMonte
• Application Number:
  US14/544,199
• Publication Number:
  US 20160162882A1
• Time in Patent Office: Days
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes

Abstract

Methods and systems for facilitating a choice by a consumer of one of a plurality of eWallets from an eWallet entity or from an eWallet provider and/or choice of a particular digital money from a plurality of virtual currency providers, with or without choice of taxing or fee country or jurisdiction for doing the transaction, with or without choice of a shipment entity for the shipment of good(s); and, in certain aspects, each eWallet provider and/or digital money provider able to access a master account of a consumer and/or digital money account(s) of the consumer; and in certain such methods, multiple entities bidding regarding price and/or incentive(s) in order to influence the consumer to choose a particular eWallet and/or a particular digital money to effect a transaction, e.g., a sales or rental transaction or a transaction for services; and such methods in which a consumer'"'"'s multi-card is used. Methods and systems for funding an account, in one aspect, a pension account, insurance account, or college fund; and computer applications for effecting such funding; in certain aspects using an electronic wallet and/or a chosen digital money. Methods and systems for providing a GIFTSURANCE (trademark) insurance policy to a person or persons; and, in certain aspects, a computer application for funding such a GIFTSURANCE (trademark) policy. This abstract is provided to comply with the rules requiring an abstract which will allow a searcher or other reader to quickly ascertain the subject matter of the technical disclosure and is submitted with the understanding that it will not be used to interpret or limit the scope or meaning of the claims, 37 C.F.R. 1.72(b).

Claims

1-100. -100. (canceled)

101. A method, the method comprising

using a thing to facilitate a transaction, the thing comprising a body having accessible electronic information, the accessible electronic information including identifying information, the identifying information including information identifying a plurality of entities each of whom a consumer desires to bid to be a chosen entity for a transaction into which the consumer desires to enter, the thing having a display, the thing having interaction apparatus for interaction with the consumer,

using the thing displaying on the display to the consumer each entity for bidding for the transaction, and

by interaction with the thing, the consumer choosing an entity to be the entity for the transaction.

102. The method of claim 101 further comprising

the consumer interacting with the thing following the display of each entity for bidding to eliminate at least one of said entities so that no bid is received from said entity.

103. The method of claim 101 further comprising

the consumer interacting with the thing following the display of each entity for bidding to select a plurality of said entities to be allowed to bid for the transaction.

104. The method of claim 101 wherein the thing is one of a multi-card, electronic card, smartcard, computerized device, and COIN (trademark) card.

105. The method of claim 101 wherein the thing has computer apparatus for providing the display and for facilitating consumer interaction with the display for entity selection, the computer apparatus with computer media programmable for effecting the providing of the display and facilitating the consumer interaction with the display for the entity selection.

106. The method of claim 101 further comprising adding a new entity to the plurality of entities by adding identifying information to the accessible electronic information for the new entity, the thing having apparatus for such adding.

107. The method of claim 106 wherein the thing has computer apparatus for facilitating adding the new entity, the computer apparatus with computer media programmable to facilitate said adding.

108. The method of claim 101 further comprising

the thing having computer apparatus with computer media programmed so that upon accessing of the accessible identifying information the accessible identifying information is provided to a reception system which in turn communicates with each entity and requests a bid from each entity, the method further comprising

requesting a bid from each entity.

109. The method of claim 108 wherein said accessing is done by one of swiping of the thing, scanning the thing, downloading information from the thing, offloading information from the thing, and code recognition/viewing of the information.

110. The method of claim 101 wherein the entities include one or a combination of credit card issuers, debit card issuers, eWallet providers, digital money providers, banks, and financial institutions.

111. The method of claim 110 wherein the consumer has a master account and each of the entities is able to access the master account.

112. The method of claim 111 further comprising

payment of a money amount into the master account by an entity chosen for the transaction.

113. A method, the method comprising

using a thing to facilitate a transaction, the thing comprising a body having accessible electronic information, the accessible electronic information including identifying information, the identifying information including information identifying a plurality of entities each of whom a consumer desires to bid to be a chosen entity for a transaction into which the consumer desires to enter, the thing having a display, the thing having interaction apparatus for interaction with the consumer,

using the thing displaying on the display to the consumer each entity for bidding for the transaction, and

by interaction with the thing, the consumer choosing an entity to be the entity for the transaction,

the consumer interacting with the thing following the display of each entity for bidding to select selected entities comprising a plurality of said entities to be allowed to bid for the transaction,

the thing having computer apparatus with computer media programmed so that upon accessing of the accessible identifying information the accessible identifying information is provided to a reception system which in turn communicates with each of the selected entities and requests a bid from each of the selected entities,

the method further comprising requesting a bid from each of the selected entities,

wherein said accessing is done by one of swiping of the thing, scanning of the thing, downloading information from the thing, offloading information from the thing, and code recognition/viewing of the information,

wherein the entities include one or a combination of credit card issuers, debit card issuers, eWallet providers, digital money providers, banks, and financial institutions.

114. A thing, the thing for facilitating a transaction for a consumer, the thing comprising

a body having accessible electronic information, the accessible electronic information including identifying information, the identifying information including information identifying a plurality of entities each of whom a consumer desires to bid to be a chosen entity for a transaction into which the consumer desires to enter,

a display connected to the body for displaying to the consumer each entity for bidding for the transaction,

interaction apparatus associated with the body providing consumer interaction for the consumer to choose an entity to be the entity for the transaction.

115. The thing of claim 114 further comprising

the interaction apparatus permitting the consumer to eliminate one of the entities so that no bid is received from said eliminated entity.

116. The thing of claim 114 further comprising

the interaction apparatus permitting the consumer to select less than all of the entities to be allowed to bid for the transaction.

117. The thing of claim 114 wherein the thing is one of a multi-card, electronic card, smartcard, computerized device, and COIN (trademark) card.

118. The thing of claim 114 the thing further comprising

computer apparatus for control of, interaction with, and communication with the display, and for facilitating adding a new entity for consideration as a bidder,

the computer apparatus having computer media programmed for effecting provision of the display, facilitating the consumer interaction with the display for entity selection, and for adding a new entity to the plurality of entities and adding identifying information to the accessible electronic information for the new entity.

119. The thing of claim 114 further comprising

the computer apparatus for communication with a reception system, in said communication the computer apparatus for providing the accessible identifying information to the reception system which in turn is able to communicate with each entity and able to request a bid from each entity.

120. The thing of claim 114 wherein information of the thing is accessing by one of swiping of the thing, scanning the thing, downloading information from the thing, offloading information from the thing, and code recognition/viewing of the information.