Providing offers associated with payment credentials authenticated in a specific digital wallet
First Claim
1. A digital wallet system for use with a specific digital wallet maintained on a mobile device, whereby the digital wallet receives offers within the digital wallet that are associated with electronic tokens authenticated in the specific digital wallet, the system comprising:
- a computing processor; and
a non-transitory medium storing a module comprising instruction code that when executed by the computing processor cause the computing processor to perform the steps of;
receiving a request from a mobile device of a user to download an application;
downloading the requested application to the mobile device of the user;
accessing, by the downloaded requested application, a digital wallet;
storing the accessed digital wallet (i) in at least one database or (ii) in a memory of the mobile device;
associating at least one single-use electronic token with the accessed digital wallet and storing the at least one single-use electronic token in the accessed digital wallet stored (i) in the at least one database or (ii) in the memory of the mobile device;
authenticating the at least one single-use electronic token;
receiving, by the downloaded requested application, access to an application programming interface;
determining, by the application programming interface, other digital wallets located on the mobile device;
receiving, by the application programming interface, access to the determined other digital wallets located on the mobile device;
accessing, by the application programming interface, the determined other digital wallets located on the mobile device;
retrieving, by the application programming interface, information related to the determined other digital wallets located on the mobile device;
identifying, by the application programming interface, initiation of a purchase having a first purchase price by the user;
determining one or more offers for using the at least one single-use electronic token associated with the accessed digital wallet based on the retrieved information from the determined other digital wallets located on the mobile device;
associating at least one user incentive of the one or more offers with the at least one single-use electronic token;
storing the one or more offers that are associated with the at least one single-use electronic token in the at least one database;
transmitting, via the application programming interface, the one or more offers from the at least one database to the downloaded requested application on the mobile device;
presenting the one or more offers to the user on a display of the mobile device, by the downloaded requested application;
receiving, by the downloaded requested application, from the user, an acceptance of the at least one user incentive from the one or more offers that completes the purchase using the at least one single-use electronic token associated with the accessed digital wallet;
executing the purchase using the at least one user incentive and the at least one single-use electronic token associated with the accessed digital wallet;
transmitting at least one merchant incentive to at least one merchant for processing the purchase using the at least one single-use electronic token; and
deleting the at least one single-use electronic token from the accessed digital wallet stored (i) in the at least one database or (ii) in the memory of the mobile device, based on executing the purchase using the at least one single-use electronic token.
1 Assignment
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Accused Products
Abstract
Embodiments of the invention are directed to systems, methods and computer program products for providing supplemental account information in digital wallets. An exemplary apparatus is configured to: receive a request to provide a digital wallet on a user'"'"'s mobile device, authenticate at least one payment credential for use within the digital wallet; receive access to an application programming interface configured to push offers to digital wallets, wherein the application programming interface is associated with at least one database maintained by the digital wallet provider; receive, via the application programming interface one or more offers from the at least one database, wherein the offers include at least one incentive for processing payments using the at least one payment credential associated with the digital wallet; and present, to the user on a display of the mobile device, the one or more offers.
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Citations
18 Claims
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1. A digital wallet system for use with a specific digital wallet maintained on a mobile device, whereby the digital wallet receives offers within the digital wallet that are associated with electronic tokens authenticated in the specific digital wallet, the system comprising:
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a computing processor; and a non-transitory medium storing a module comprising instruction code that when executed by the computing processor cause the computing processor to perform the steps of; receiving a request from a mobile device of a user to download an application; downloading the requested application to the mobile device of the user; accessing, by the downloaded requested application, a digital wallet; storing the accessed digital wallet (i) in at least one database or (ii) in a memory of the mobile device; associating at least one single-use electronic token with the accessed digital wallet and storing the at least one single-use electronic token in the accessed digital wallet stored (i) in the at least one database or (ii) in the memory of the mobile device; authenticating the at least one single-use electronic token; receiving, by the downloaded requested application, access to an application programming interface; determining, by the application programming interface, other digital wallets located on the mobile device; receiving, by the application programming interface, access to the determined other digital wallets located on the mobile device; accessing, by the application programming interface, the determined other digital wallets located on the mobile device; retrieving, by the application programming interface, information related to the determined other digital wallets located on the mobile device; identifying, by the application programming interface, initiation of a purchase having a first purchase price by the user; determining one or more offers for using the at least one single-use electronic token associated with the accessed digital wallet based on the retrieved information from the determined other digital wallets located on the mobile device; associating at least one user incentive of the one or more offers with the at least one single-use electronic token; storing the one or more offers that are associated with the at least one single-use electronic token in the at least one database; transmitting, via the application programming interface, the one or more offers from the at least one database to the downloaded requested application on the mobile device; presenting the one or more offers to the user on a display of the mobile device, by the downloaded requested application; receiving, by the downloaded requested application, from the user, an acceptance of the at least one user incentive from the one or more offers that completes the purchase using the at least one single-use electronic token associated with the accessed digital wallet; executing the purchase using the at least one user incentive and the at least one single-use electronic token associated with the accessed digital wallet; transmitting at least one merchant incentive to at least one merchant for processing the purchase using the at least one single-use electronic token; and deleting the at least one single-use electronic token from the accessed digital wallet stored (i) in the at least one database or (ii) in the memory of the mobile device, based on executing the purchase using the at least one single-use electronic token. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A computer-implemented method for transmitting offers associated with electronic tokens authenticated in a specific digital wallet, the method comprising:
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receiving, by one or more computing device processors, a request from a mobile device of a user to download an application; downloading, by the one or more computing device processors, the requested application to the mobile device of the user; accessing by the downloaded requested application, by the one or more computing device processors, a digital wallet; storing, by the one or more computing device processors, the accessed digital wallet (i) in at least one database or (ii) in a memory of the mobile device; associating, by the one or more computing device processors, at least one single-use electronic token with the accessed digital wallet and storing the at least one single-use electronic token in the accessed digital wallet stored (i) in the at least one database or (ii) in the memory of the mobile device; authenticating, by the one or more computing device processors, the at least one single-use electronic token; receiving, by the downloaded requested application, by the one or more computing device processors, access to an application programming interface; determining by the application programming interface, by the one or more computing device processors, other digital wallets located on the mobile device; receiving by the application programming interface, by the one or more computing device processors, access to the determined other digital wallets located on the mobile device; accessing by the application programming interface, by the one or more computing device processors, the determined other digital wallets located on the mobile device; retrieving by the application programming interface, by the one or more computing device processors, information related to the determined other digital wallets located on the mobile device; identifying by the application programming interface, by the one or more computing device processors, initiation of a purchase having a first purchase price by the user; determining, by the one or more computing device processors, one or more offers for using the at least one single-use electronic token associated with the accessed digital wallet based on the received information from the determined other digital wallets located on the mobile device; associating, by the one or more computing device processors, at least one user incentive of the one or more offers with the at least one single-use electronic token; storing, by the one or more computing device processors, the one or more offers that are associated with the at least one single-use electronic token in the at least one database; transmitting, by the one or more computing device processors, via the application programming interface the one or more offers from the at least one database to the downloaded requested application on the mobile device; presenting, by the one or more computing device processors, the one or more offers to the user on a display of the mobile device, by the downloaded requested application; receiving by the downloaded requested application, by the one or more computing device processors, from the user, an acceptance of the at least one user incentive from the one or more offers that completes the purchase using the at least one single-use electronic token associated with the accessed digital wallet; executing, by the one or more computing device processors, the purchase using the at least one user incentive and the at least one single-use electronic token associated with the accessed digital wallet; transmitting, by the one or more computing device processors, at least one merchant incentive to at least one merchant for processing the purchase using the at least one single-use electronic token; and deleting, by the one or more computing device processors, the at least one single-use electronic token from the accessed digital wallet stored (i) in the at least one database or (ii) in the memory of the mobile device, based on executing the purchase using the at least one single-use electronic token. - View Dependent Claims (9, 10, 11, 12, 13)
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8. A non-transitory computer-readable medium containing instructions that when executed by a processor cause the processor to perform the steps of:
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receiving a request from a mobile device of a user to download an application; downloading the requested application to the mobile device of the user; accessing, by the downloaded requested application, a digital wallet; storing the accessed digital wallet (i) in at least one database or (ii) in a memory of the mobile device; associating at least one single-use electronic token with the accessed digital wallet and storing the at least one single-use electronic token in the accessed digital wallet stored (i) in the at least one database or (ii) in the memory of the mobile device; authenticating the at least one single-use electronic token; receiving, by the downloaded requested application, access to an application programming interface; determining, by the application programming interface, other digital wallets located on the mobile device; receiving, by the application programming interface, access to the determined other digital wallets located on the mobile device; accessing, by the application programming interface, the determined other digital wallets located on the mobile device; retrieving, by the application programming interface, information related to the determined other digital wallets located on the mobile device; identifying, by the application programming interface, initiation of a purchase having a first purchase price by the user; determining one or more offers for using the at least one single-use electronic token associated with the accessed digital wallet based on the retrieved information from the determined other digital wallets located on the mobile device; associating at least one user incentive of the one or more offers with the at least one single-use electronic token; storing the one or more offers that are associated with the at least one single-use electronic token in the at least one database; transmitting, via the application programming interface, the one or more offers from the at least one database to the downloaded requested application on the mobile device; presenting the one or more offers to the user on a display of the mobile device, by the downloaded requested application; receiving, by the downloaded requested application, from the user, an acceptance of the at least one user incentive from the one or more offers that completes the purchase using the at least one single-use electronic token associated with the accessed digital wallet; executing the purchase using the at least one user incentive and the at least one single-use electronic token associated with the accessed digital wallet; transmitting at least one merchant incentive to at least one merchant for processing the purchase using the at least one single-use electronic token; and deleting the at least one single-use electronic token from the accessed digital wallet stored (i) in the at least one database or (ii) in the memory of the mobile device, based on executing the purchase using the at least one single-use electronic token. - View Dependent Claims (14, 15, 16, 17, 18)
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Specification