System and method for providing a universal electronic wallet

• US 8,832,182 B2
• Filed: 03/26/2009
• Issued: 09/09/2014
• Est. Priority Date: 10/03/2008
• Status: Expired due to Fees

• Current Assignee: Omnego, Inc.
• Original Assignee: Omnego, Inc.
• Inventors: Thomas, David
• Primary Examiner(s): Chriss, Andrew
• Assistant Examiner(s): Kading, Joshua A
• Application Number:
  US13/121,344
• Publication Number:
  US 20110179113A1
• Time in Patent Office: 1,993 Days
• Field of Search: None
• US Class Current: 709/203
• CPC Class Codes: G06Q 20/0655 e-cash managed centrally
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/3574 Multiple applications on card
• 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
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04W 8/18 Processing of user or subscriber data, e.g. subscribed services, user preferences or user profiles; Transfer of user or subscriber data

Abstract

A system and method for providing a universal electronic wallet is provided. In one embodiment portable electronic devices are deployed having a universal wallet application and a wallet data file associated with the application. The wallet data file is configured to maintain a plurality of different types of wallet artifacts in the form of data records, according to unique uniform resource identifiers respective to each artifact type.

Claims

1. A method of transferring a data record to a portable electronic device comprising:

receiving a send request at a central server from an originating portable electronic device to send said data record to a destination portable electronic device;

said data record maintained according to one of a plurality of uniform resource identifier (URI) scheme definitions;

each of said URI scheme definitions configured to generate a different type of wallet artifact in a wallet application at said destination portable electronic device;

said send request including a destination address for said destination portable electronic device;

storing said data record at said central server;

generating a short identifier corresponding to said data record at said central server;

sending said short identifier from said central server to said destination portable electronic device using said destination address;

said short identifier configured to be accessible at said destination portable electronic device to cause said destination portable electronic device to request said data record from said central server; and

receiving an administration request for updating said data record at said central server from said destination portable electronic device.

2. The method of claim 1 wherein said plurality of URI scheme definitions comprise data representations of one or more of:

a virtual business card;

a user-created representation of an identity card;

a loyalty card;

an identification card;

a gift card;

a prepaid card;

a coupon;

a credential to permit access to an event;

a sales receipt;

a ticket to an entertainment event; and

a public transit system pass.

3. The method of claim 1 wherein said one of a plurality of URI scheme definitions corresponds to a loyalty card and wherein said originating portable electronic device is associated with an issuer server;

said method further comprising initially sending said send request from said originating portable electronic device to said issuer server;

said issuer server configured to generate said data record.

4. The method of claim 1 wherein said one of a plurality of URI scheme definitions corresponds to a business card and wherein said originating portable electronic device is configured to generate said data record.

5. The method of claim 1 further comprising omitting said storing step if said data record is already stored at said central server.

6. The method of claim 1 further comprising sending an installation file comprising said wallet application to said destination portable electronic device for installation on said destination portable electronic device.

7. The method of claim 1 wherein said short identifier is sent via short message service.

8. The method of claim 1 wherein said short identifier is a hyper text transfer protocol (HTTP) identifier.

9. The method of claim 1 wherein said data record comprises data accessible by said wallet application;

said wallet application configured to generate a machine readable indicia on a display of said destination portable electronic device;

said machine readable indicia corresponding to said data.

10. The method of claim 1 further comprising generating output based on said data record at said destination portable electronic device, said output configured to be read by a proximity reader.

11. A method of transferring a data record to a destination portable electronic device comprising:

receiving a short identifier at said destination portable electronic device from a central server in response to a send request from an originating portable electronic device;

said data record corresponding to one of a plurality of uniform resource identifier (URI) scheme definitions;

each of said URI scheme definitions configured to generate a different type of wallet artifact in a wallet application at said destination portable electronic device;

receiving a selection of said short identifier via an input device at said destination portable electronic device;

sending a data record request for said data record from said destination portable electronic device to said central server;

said data record request for said data record based on said short identifier;

receiving said data record at said destination portable electronic device in response to said data record request for said data record;

storing said data record at said destination portable electronic device; and

generating a representation of said data record on a display of said destination portable electronic device;

sending an administration request for updating said data record from said destination portable electronic device to said central server.

12. The method of claim 11 wherein said short identifier is sent via short message service.

13. The method of claim 11 wherein said short identifier is a hyper text transfer protocol (HTTP) identifier.

14. A method of claim 11 further comprising determining if said wallet application is installed on said destination portable electronic device and if not installed, sending an application request from said destination portable electronic device to said central server to receive an installation file containing said wallet application.

15. The method of claim 11 further comprising generating output based on said data record at said destination portable electronic device, said output configured to be read by a proximity reader.