Dispensing digital objects to an electronic wallet

• US 9,361,606 B2
• Filed: 02/22/2011
• Issued: 06/07/2016
• Est. Priority Date: 05/18/2008
• Status: Active Grant

• Current Assignee: Google LLC (Alphabet Inc.), Zatawire Inc.
• Original Assignee: Google Inc. (Alphabet Inc.)
• Inventors: Hertel, Philipp Frank Hermann Udo, Hertel, Alexander Wolfgang Karl Kurt, Graham, John David Trevor, Braverman, Mark
• Primary Examiner(s): Huang, Tsan-Yu J
• Application Number:
  US13/032,422
• Publication Number:
  US 20110145049A1
• Time in Patent Office: 1,932 Days
• Field of Search: 370/338
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0253 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/0275 Auctions
• CPC Class Codes: G07F 9/001 Interfacing with vending machines using mobile or wearable devices
• CPC Class Codes: G07F 9/009 User recognition or proximity detection

Abstract

A configuration system and method is disclosed that includes a unified and integrated configuration that is composed of a payment system, an advertising system, and an identity management system such that the unified system has all of the benefits of the individual systems as well as several additional synergistic benefits. Also described are specific configurations including the system'"'"'s access point architecture, visual wallet simulator user interface, security architecture, coupon handling as well as the system'"'"'s structure and means for delivering them as targeted advertising, business card handling, membership card handling for the purposes of login management, receipt handling, and the editors and grammars provided for customizing the different types of objects in the system as well as the creation of new custom objects with custom behaviors. The configurations are operable on-line as well as through physical presence transactions.

Claims

1. A computer-implemented method to add digital objects to electronic wallets on user computing devices, comprising:

interacting with an access point associated with a digital object by a user computing device, the user computing device receiving an input of a query, obtaining an access point identifier and obtaining a dispenser executable by the user computing device to dispense the digital object to an electronic wallet, wherein the dispenser comprises a type of dispenser associated with an object type of the digital object, the access point selecting the type of dispenser from a plurality of types of dispensers available based on the input of the query received from the user computing device;

transmitting, by the user computing device, the access point identifier and the query to a transaction authority;

receiving, via execution of the dispenser by the user computing device, the digital object from the transaction authority, the digital object associated with the access point and based on the access point identifier, and the digital object executable by the user computing device to interact with the user through customized functional behavior defined by an owner of the access point;

receiving, by the user computing device, input to the dispenser indicating an instruction to add the digital object to the electronic wallet;

adding, via execution of the dispenser by the user computing device, the digital object to the electronic wallet in response to receiving the input to the dispenser; and

executing, by the user computing device, the customized functional behavior of the digital object.

2. The computer-implemented method of claim 1, wherein receiving the input to the dispenser comprises:

displaying, via execution of within the dispenser by the user computing device, the digital object received from the transaction authority on a display of the user computing device; and

receiving, by the user computing device, an input selecting the displayed digital object from the dispenser to add the digital object to the electronic wallet.

3. The computer-implemented method of claim 1, wherein the input to the dispenser comprises dragging and dropping the displayed digital object from a first location on a screen of the user computing device corresponding to a location of the dispenser to a second location on the screen of the user computing device corresponding to a location of the electronic wallet.

4. The computer-implemented method of claim 1, further comprising providing, by the user computing device, an indication to the transaction authority to store the digital object in an account that is associated with the user at a location that is remote from the user computing device.

5. The computer-implemented method of claim 1, wherein the digital object comprises an instance of a credit card digital object, the instance of the credit card digital object associated a name of a card holder, an account number associated with the credit card digital object, and expiry data associated with the credit card digital object.

6. The computer-implemented method of claim 1, wherein the digital object comprises an instance of a coupon digital object, the instance of the coupon digital object associated with at least a coupon identifier and the access point.

7. The computer-implemented method of claim 6, wherein the instance of the coupon digital object is further associated with a value of the coupon digital object, a claim status, expiry data, and terms and conditions of the coupon digital object.

8. The computer-implemented method of claim 1, wherein the digital object comprises an instance of a business card digital object that specifies information about an entity.

9. The computer-implemented method of claim 1, wherein the digital object comprises an instance of a membership card digital object, the instance associated with an identifier of the instance of the membership card digital object.

10. The computer-implemented method of claim 1, wherein the access point comprises a short-range transmitter access point.

11. The computer-implemented method of claim 10, wherein interacting with the access point comprises wirelessly connecting to the short-range transmitter access point using short-range wireless communication, the short-range transmitter access point coupled to a physical object.

12. The computer-implemented method of claim 1, wherein the access point comprises a geographical area access point that is associated with a predefined geographical area.

13. The computer-implemented method of claim 12, wherein interacting with the access point further comprises identifying, by the user ting device, a physical location of the user computing device, wherein the physical location is transmitted to the transaction authority by the user computing device to identify the access point identifier associated with the physical location.

14. The computer-implemented method of claim 1, wherein the access point comprises a manual code input access point.

15. The computer-implemented method of claim 14, wherein interacting with the access point comprises receiving, by the user computing device, input comprising the access point identifier visually indicated by the manual code input access point, wherein the access point identifier is transmitted to the transaction authority by the user computing device.

16. The computer-implemented method of claim 15, wherein receiving the user-input comprises receiving an image including the access point identifier.

17. The computer-implemented method of claim 15, wherein receiving the but comprises:

receiving, by the user computing device, an audio signal of the user'"'"'s voice speaking the access point identifier; and

translating, by the user computing device, the audio signal to identify the access point identifier in the audio signal.

18. The computer-implemented method of claim 16, wherein the image comprises a barcode and the user computing device interprets the barcode to identify the access point identifier.

19. The computer-implemented method of claim 1, wherein the digital object represents a physical object found in a physical wallet.

20. The computer-implemented method of claim 1, wherein the digital object comprises a multi-part coupon digital object that includes a plurality of coupon digital objects, the multi-part coupon digital object formed from a combination of the plurality of coupon digital objects.

21. The computer-implemented method of claim 20, further comprising receiving, by the user computing device, each of the plurality of coupon digital objects incrementally over time from the transaction authority.

22. The computer-implemented method of claim 20, further comprising receiving, by the user computing device, the plurality of coupon digital objects from the transaction authority, each of the plurality of coupon digital objects received responsive to interaction with a distinct access point.

28. The computer-implemented method of claim 1, wherein transmitting, the access point identifier to the transaction authority comprises:

identifying, by the user computing device via execution of the dispenser, contextual information associated with the user that is stored on the user computing device; and

transmitting, by the user computing device via execution of the dispenser, the contextual information and the access point identifier to the transaction authority.

29. The computer-implemented method of claim 28, wherein the digital object received from the transaction authority is selected by the transaction authority based at least in part on the contextual information identified by the dispenser.

23. A system for adding digital objects to electronic wallets on user computing devices, comprising:

a storage device; and

a processor communicatively coupled to the storage device, wherein the processor executes application code instructions that are stored in the storage device to cause the system to;

interact with an access point associated with a digital object by a user computing device, the user computing device receiving an input of a query and obtaining an access point identifier and a dispenser executable by the user computing device to dispense the digital object to an electronic wallet, wherein the dispenser comprises a type of dispenser associated with an object type of the digital object, the access point selecting the type of dispenser from a plurality of types of dispensers available based on the query received from the user computing device;

transmit the access point identifier and the query to a transaction authority;

receive, via execution of the dispenser, the digital object from the transaction authority, the digital object associated with the access point and based on the access point identifier and the digital object executable by the user computing device to interact with the user through customized functional behavior defined by an owner of the access point;

receive input to the dispenser indicating an instruction to add the digital object to the electronic wallet;

add, via execution of the dispenser, the digital object to the electronic wallet in response to receiving the user-input to the dispenser; and

execute the customized functional behavior of the digital object.

24. The system of claim of claim 23, wherein receiving the input to the dispenser comprises:

displaying, via execution of within the dispenser, the digital object received from the transaction authority on a display of the user computing device; and

receiving user input selecting the displayed digital object from the dispenser to add the digital object to the electronic wallet.

30. The system of claim of claim 23, wherein the access point comprises a geographical area access point that is associated with a predefined geographical area, and wherein interacting with the access point further comprises identifying a physical location of the user computing device, wherein the physical location is transmitted to the transaction authority by the user computing device to identify the access point identifier associated with the physical location.

31. The system of claim of claim 23, wherein the access point comprises a manual code input access point, and wherein interacting with the access point comprises receiving input comprising the access point identifier visually indicated by the manual code input access point, wherein the access point identifier is transmitted to the transaction authority by the user computing device.

32. The system of claim of claim 31, wherein receiving the input comprises receiving an image including the access point identifier.

33. The system of claim of claim 32, wherein the image comprises a barcode and the user computing device interprets the barcode to identify the access point identifier.

34. The system of claim of claim 31, wherein receiving the input comprises:

receiving an audio signal of the user'"'"'s voice speaking the access point identifier; and

translating the audio signal to identify the access point identifier in the audio signal.

25. A computer program product, comprising:

a non-transitory computer-readable medium having computer-readable program instructions embodied therein that when executed by a computer cause the computer to add digital objects to electronic wallets on user computing devices, the computer-readable program instructions comprising;

computer-readable program instructions to interact with an access point associated with a digital object by a user computing device, the user computing device receiving an input of a query and obtaining an access point identifier and a dispenser executable by the user computing device to dispense the digital object to an electronic wallet, wherein the dispenser comprises a type of dispenser associated with an object type of the digital object, the access point selecting the type of dispenser from a plurality of types of dispensers available based on the query received from the user computing device;

computer-readable program instructions to transmit the access point identifier and the query to a transaction authority;

computer-readable program instructions to receive, via execution of the dispenser by the user computing device, the digital object from the transaction authority, the digital object associated with the access point and based on the access point identifier, and the digital object executable by the user computing device to interact with the user through customized functional behavior defined by an owner of the access point;

computer-readable program instructions to receive input to the dispenser indicating an instruction to add the digital object to the electronic wallet;

computer-readable program instructions to add via execution of the dispenser, the digital object to the electronic wallet in response to receiving the input to the dispenser; and

computer-readable program instructions to execute the customized functional behavior of the digital object.

26. The computer program product of claim 25, further comprising computer-readable program instructions to receive, via execution of the dispenser, the access point identifier from the access point.

27. The computer program product of claim 25, wherein receiving the user input comprises:

computer-readable program instructions to display, within the dispenser, the digital object received from the transaction authority on a display of the computing device; and

computer-readable program instructions to receive user input selecting the displayed digital object from the dispenser to add the digital object to the electronic wallet.

35. The computer program product of claim 25, wherein the access point comprises a geographical area access point that is associated with a predefined geographical area, and wherein interacting with the access point further comprises computer-readable program instructions to identify a physical location of the user computing device, wherein the physical location is transmitted to the transaction authority by the user computing device to identify the access point identifier associated with the physical location.

36. The computer program product of claim 25, wherein the access point comprises a manual code input access point, and wherein interacting with the access point comprises computer-readable program instructions to receive input comprising the access point identifier visually indicated by the manual code input access point, wherein the access point identifier is transmitted to the transaction authority by the user computing device.

37. The computer program product of claim 36, wherein receiving the input comprises computer-readable program instructions to receive an image including the access point identifier.

38. The computer program product of claim 37, wherein the image comprises a barcode and the user computing device interprets the barcode to identify the access point identifier.

39. The computer program product of claim 36, wherein receiving the input comprises:

computer-readable program instructions to receive an audio signal of the user'"'"'s voice speaking the access point identifier; and

computer-readable program instructions to translate the audio signal to identify the access point identifier in the audio signal.