System and method for a mobile wallet

• US 8,639,621 B1
• Filed: 04/25/2012
• Issued: 01/28/2014
• Est. Priority Date: 04/25/2012
• Status: Active Grant

• Current Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Original Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Inventors: Ellis, Stephen M., Kennedy, Michael J., Kurani, Ashish Bhoopen, Lowry, Melissa, Meyyappan, Uma, Sahni, Bipin, Stroke, Nikolai
• Primary Examiner(s): Poinvil, Frantzy
• Application Number:
  US13/456,073
• Time in Patent Office: 643 Days
• Field of Search: 705 10- 44
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 30/0255 based on user history
• CPC Class Codes: G06Q 30/0261 based on user location
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/0623 Item investigation
• CPC Class Codes: G06Q 30/0639 Item locations
• CPC Class Codes: G06Q 30/0641 Shopping interfaces
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A computer-implemented method includes capturing an image by a mobile computing device and determining a geographic location and a direction of the mobile computing device while capturing the image. The method includes generating a display that includes the image and that identifies the locations of merchants that have at least one offer available for a user of the mobile device based on the geographic location and the direction of the mobile computing device and generating the at least one offer based on the past transactions of the user.

Claims

1. A computer-implemented method, comprising:

capturing a first image by a mobile computing device having a mobile wallet application executing thereon;

determining a geographic location and a direction of the mobile computing device while capturing the first image;

generating a display that includes the first image and that identifies the locations of merchants that have at least one offer available for a user of the mobile device based on the geographic location and the direction of the mobile computing device, wherein the at least one offer is generated based on the past transactions of the user, wherein the user may accept the offer using the mobile wallet application to purchase an item or service from the offer

receiving from a mobile device a second image of a financial incentive with user input fields;

identifying areas of the second image that represent the user input fields; and

generating an overlaid image on the second image, the overlaid image including input fields to be filled by the user to provide data for the user input fields.

2. The method of claim 1, wherein the display includes the at least one offer that is available to the user.

3. The method of claim 1, wherein the display includes a marker that recites a name of the merchant and the at least one offer that is available to the user.

4. The method of claim 1, wherein the offer when used provides the user a discount for a product sold by the merchant.

5. The method of claim 1, wherein the offer is for a product that the user has purchased in the past.

6. The method of claim 1, further comprising sending a message to the mobile device to show the location of the merchant on the first image;

and

wherein a merchant provided profile includes information regarding the merchant or offers is provided to the mobile device;

wherein the image includes providing an online storefront that permits a user to purchase items or services that may be delivered to a user specified address.

7. A computer-implemented method comprising:

generating offers based on a transaction history of a user of a mobile computing device;

determining a geographic location and a direction of the mobile computing device while capturing a first image;

generating a display that identifies locations of merchants associated with the offers based on the geographic location and the direction of the mobile computing device,

wherein the user may accept the offers using a mobile wallet application executing on the mobile computing device to purchase items or services from the offers;

receiving from a mobile device a second image of a coupon or offer with user input fields;

identifying areas of the second image that represent user input fields that are within the second image; and

generating an overlaid image on the second image, the overlaid image including input.

8. The method of claim 7, wherein the display includes information about the offer.

9. The method of claim 7, wherein the display includes a marker that recites a name of the merchant and the at least one offer that is available to the user.

10. The method of claim 7, further comprising receiving a selection to provide additional information regarding an offer.

11. The method of claim 10, wherein the at least one offer is generated based on the past transactions of the user at the merchants.