System and method for a mobile wallet

• US 9,037,509 B1
• Filed: 12/19/2013
• Issued: 05/19/2015
• 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:
  US14/135,109
• Time in Patent Office: 516 Days
• Field of Search: 705 3- 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 mobile device, comprising:

an image capture device configured to capture an image;

a processor configured to determine an orientation and a geographic location of the mobile device based on the image and send the geographic location of the mobile device and the orientation of the mobile device to a server computer system; and

a display configured to display an overlay image on top of the image taken by the image capture device such that the overlay image identifies locations of merchants relative to the image taken by the mobile device, the merchants having at least one offer available for the user of the mobile device;

wherein the user may accept the offers using a mobile wallet application executing on the mobile device, including to purchase an item or service using the offer.

2. The mobile device of claim 1, wherein the overlay image identifies the merchants for which the mobile device has value cards with balances stored in a mobile wallet account.

3. The mobile device of claim 1, wherein the overlay image identifies the merchants for which the mobile device has discount offers stored in a mobile wallet account.

4. The mobile device 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 from the merchant.

5. The mobile device of claim 1, wherein the processor is configured to generate the overlay image based on the orientation and geographic location of the mobile device.

6. The mobile device of claim 1, wherein the overlay image is dynamically updated according to the geographic location of the mobile device.

7. A computer-implemented method, comprising:

capturing, by a mobile device, an image;

determining, by the mobile device, an orientation and a geographic location of the mobile device based on the image;

sending, by the mobile device, the geographic location of the mobile device and the orientation of the mobile device to a server computer system; and

displaying, by the mobile device, an overlay image on top of the image taken by the mobile device such that the overlay image identifies locations of merchants relative to the image taken by the mobile device, the merchants having an offer available for the user of the mobile device, and wherein the user may accept the offer using a mobile wallet application executing on the mobile device, including to purchase an item or service using the offer.

8. The method of claim 7, wherein the overlay image identifies the merchants for which the mobile device has value cards with balances stored in a mobile wallet account.

9. The method of claim 7, wherein the overlay image identifies the merchants for which the mobile device has discount offers stored in a mobile wallet account.

10. The method of claim 7, wherein the display includes a marker that recites a name of the merchant and the offer that is available to the user from the merchant.

11. The method of claim 7, wherein the processor is configured to generate the overlay image based on the orientation and geographic location of the mobile device.

12. The method of claim 10, further comprising dynamically updating, by the mobile device, the overlay image according to the geographic location of the mobile device.

13. A computer-implemented method, comprising:

capturing, by a mobile device, an image;

determining, by the mobile device, an orientation and a geographic location of the mobile device based on the image;

sending, by the mobile device, the orientation and the geographic location of the mobile device to a server computer system;

receiving, by the mobile device, merchant-related information from the server computer system based on the orientation and the geographic location of the mobile device;

generating, by the mobile device, an overlay image based on the merchant-related information; and

displaying, by the mobile device, the overlay image on top of the image taken by the mobile device, wherein the overlay image identifies locations of merchants relative to the image taken by the mobile device.

14. The method of claim 13, wherein the merchants identified have an offer available for the user of the mobile device, and wherein the user may accept the offer using a mobile wallet application executing on the mobile device, including to purchase an item or service using the offer.

15. The method of claim 14, wherein the display includes a marker that recites a name of the merchant and the offer that is available to the user from the merchant.

16. The method of claim 13, wherein the overlay image identifies the merchants for which the mobile device has value cards with balances stored in a mobile wallet account.

17. The method of claim 13, wherein the overlay image identifies the merchants for which the mobile device has discount offers stored in a mobile wallet account.

18. The method of claim 13, wherein the overlay image includes an online storefront for a merchant, and wherein the user may make a purchase from the merchant for delivery using a mobile wallet application executing on the mobile device.

19. The method of claim 13, further comprising dynamically updating, by the mobile device, the overlay image as the geographic location of the mobile device is changed.

20. The method of claim 13, further comprising dynamically updating, by the mobile device, the overlay image as the orientation of the mobile device is changed.