System and method for a mobile wallet

• US 9,311,654 B1
• Filed: 12/18/2013
• Issued: 04/12/2016
• 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:
  US14/133,276
• Time in Patent Office: 846 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 a mobile computing device having a mobile wallet application executing thereon, the method comprising:

capturing a first image by an image capture device of the mobile computing device;

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

receiving, by the mobile computing device, a second image of a financial incentive with user input fields;

identifying, by the mobile computing device, areas of the second image that represent the user input fields; and

generating, by the mobile computing device, 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 a mobile device, wherein a merchant provided profile including information regarding the merchant or offers is provided to the mobile device.

7. The method of claim 1, wherein the second image is received from a second mobile device.

8. A computer-implemented method performed by a mobile computing device, the method comprising:

capturing, by an image capture device of the mobile computing device, an image of a financial incentive with user input fields;

identifying, by the mobile computing device, areas of the image that represent user input fields that are within the image;

generating, by the mobile computing device, an overlaid image on the image, the overlaid image including input fields to be filled by a user of the mobile computing device to provide data for the user input fields; and

displaying, by a display device of the mobile computing device, the overlaid image on the image.

9. The method of claim 8, further comprising:

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

capturing a second image by the image capture device of the mobile computing device;

generating, by the mobile computing device, a display that identifies locations of merchants associated with the offers based on the first image, wherein the user may accept the offers using a mobile wallet application executed on the mobile computing device to purchase items or services from the offers, wherein the display includes information about the offers.

10. The method of claim 9, wherein the display includes a marker that recites a name of the merchant and the offers that are available to the user.

11. The method of claim 8, further comprising receiving a selection to provide additional information regarding one of the user input fields.

12. The method of claim 11, wherein the financial incentive is generated based on past transactions of the user using a mobile wallet application executed on the mobile computing device.

13. A mobile device, comprising:

an image capture device configured to capture an image of a financial incentive with user input fields;

a processor configured to;

identify areas of the image that represent the user input fields; and

generate an overlaid display on the image, the overlaid display including input fields to be filled by the user to provide data for the user input fields; and

a display device configured to display the overlaid display on the image.

14. The mobile device of claim 13, wherein the image capture device is further configured to capture a second image, and wherein the processor is further configured to:

execute a mobile wallet application; and

generate a display that includes the second image and that identifies merchants that have at least one offer available for the user of the mobile device based on the second image, 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, and wherein the display includes the at least one offer that is available to the user.

15. The mobile device of claim 14, 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.

16. The mobile device of claim 14, wherein the offer when used provides the user a discount for a product sold by the merchant.

17. The mobile device of claim 14, wherein the offer is for a product that the user has purchased in the past.

18. The mobile device of claim 14, wherein the second image is received from a second mobile device.

19. The mobile device of claim 18, wherein the processor is further configured to:

send a message to the second mobile device to show a location of the merchant on the second image, wherein a merchant provided profile including information regarding the merchant or the offer is provided to the second mobile device.

20. The mobile device of claim 14, wherein the display includes an online storefront that permits the user to purchase items or services that may be delivered to a user specified address.