System and method for a mobile wallet

• US 9,195,994 B1
• Filed: 12/18/2013
• Issued: 11/24/2015
• 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:
  US14/133,446
• Time in Patent Office: 706 Days
• Field of Search: 705 3- 44
• US Class Current: 1/1
• 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 performed by one or more processors of a computer system, comprising:

receiving, by the computer system, a search request from a mobile computing device located in a store, the search request requesting the location of a product within the store, wherein the search request includes an image captured by the mobile computing device;

accessing, by the computer system, a storage medium to determine the location of the product within the store;

determining, by the computer system, the location of the mobile computing device within the store;

generating, by the computer system, an overlay display on the image, the overlay display showing the location of the product relative to the image; and

sending, by the computer system, the overlay display to the mobile computing device to display the location of the product relative to the mobile computing device.

2. The method of claim 1, wherein the product is identified by an offer.

3. The method of claim 1, wherein the product is identified by a textual name or brand.

4. The method of claim 1, wherein the overlay display includes a direction of the product relative to the mobile computing device.

5. The method of claim 4, wherein the direction of the product is dynamically updated according to movement of the mobile computing device.

6. The method of claim 1, wherein the message includes a selectable option for delivery of the product to a user specified location.

7. The method of claim 1, further comprising identifying, by the computer system, the product based on the image.

8. A computer system, comprising:

one or more processors; and

non-transitory machine readable storage media coupled to the one or more processors and having instructions stored therein that are executable by the one or more processors, including logic configured to;

receive a search request from a mobile computing device located in a store, the search request requesting the location of a product within the store, wherein the search request includes an image captured by the mobile computing device;

access a storage medium to determine the location of the product within the store;

determine the location of the mobile computing device within the store;

generate an overlay display on the image, the overlay display showing the location of the product relative to the image; and

send the overlay display to the mobile computing device to display the location of the product relative to the mobile computing device.

9. The system of claim 8, wherein the one or more processors are further configured to identify the product based on an offer.

10. The system of claim 8, wherein the one or more processors are further configured to identify the product based on a textual name or brand.

11. The system of claim 8, wherein the overlay display includes a direction of the product relative to the mobile computing device.

12. The system of claim 11, wherein the direction of the product is dynamically updated according to movement of the mobile computing device.

13. The system of claim 8, wherein the message includes a selectable option for delivery of the product to a user specified location.

14. The system of claim 8, wherein the one or more processors are further configured to identify the product based on the image.

15. A computer-implemented method performed by one or more processors of a computer system, comprising:

receiving, by the computer system, a search request from a mobile computing device located in a store, the search request requesting the location of a product within the store, and including an image captured by the mobile computing device;

accessing, by the computer system, a storage medium to determine the location of the product within the store;

determining, by the computer system, the location of the mobile computing device within the store based at least in part on the image;

generating, by the computer system, an overlay display on the image based on the location of the mobile computing device and the location of the product, wherein the overlay display provides the location of the product within the store relative to the mobile computing device; and

sending, by the computer system, the overlay display to the mobile computing device.

16. The method of claim 15, wherein the overlay display includes a direction of the product relative to the mobile computing device.

17. The method of claim 16, wherein the overlay display is dynamically updated according to movement of the mobile computing device.

18. The method of claim 15, wherein the overlay display includes a direction of the product relative to the image.