Mobile electronic wallet

• US 9,928,505 B1
• Filed: 06/29/2015
• Issued: 03/27/2018
• Est. Priority Date: 11/20/2007
• Status: Active Grant

• Current Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Original Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Inventors: Davis, Martin, Duke, Michael Thomas
• Primary Examiner(s): Glass, Shay S
• Application Number:
  US14/753,618
• Time in Patent Office: 1,002 Days
• Field of Search: 705 30
• CPC Class Codes: G06Q 10/087 Inventory or stock management, e.g. order filling, procurement or balancing against orders
• 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 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Association of personal, financial, and/or business-related identification information with a mobile communication device (MCD) is provided for herein. For example, an MCD can be associated with a financial account and can further include an identification component that verifies an identity of a user of the MCD. Identity can be verified by biometric analysis (e.g., finger/thumb print scan), username and password, optical feature scan, or a combination thereof or of like mechanisms, for instance. Accordingly, the claimed subject matter provides a mechanism to verify identification of a user of an MCD and incorporate user ID into remote data exchange, including remote financial transactions, with one or more networked devices.

Claims

1. A system, comprising:

a processor that executes the following computer executable components stored in a memory;

an integration component that associates a financial account with a mobile device, wherein the financial account is maintained by an entity located remotely from the mobile device;

an identification component that biometrically authenticates, based on biometric data of the first user received via the mobile device, an identity of a first user attempting to access, through the mobile device, information related to the financial account, and in response to authenticating the first user, determines an access level based on the biometric data, wherein the identity of the first user is selected from a set of predetermined identities of users authorized to access the information; and

a synchronization component that selectively allows at least one transaction associated with the financial account based in part on the identity of the first user and on a set of transaction rules accessible at a transaction database, wherein the set of rules are based on rules from a financial institution associated with the financial account and the access level determined by the identification component.

2. The system of claim 1, wherein the transaction is initiated and completed autonomously through an interaction between the first user and the mobile device.

3. The system of claim 1, wherein the computer executable components further comprise an update component that communicates transaction information associated with the transaction to a remote server that applies the transaction information to a target account, wherein the financial account and the target account are related accounts.

4. The system of claim 1, wherein the synchronization component synchronizes information related the transaction between the mobile device and the entity located remotely from the mobile device.

5. The system of claim 1, the computer executable components further comprise an authentication component that securely transmits identity information of the first user from the mobile device over a remote interface.

6. The system of claim 1, the computer executable components further comprise:

an online chat interface that communicatively couples the mobile device to a network chat server; and

an authentication component that identifies the first user on the network chat server based on an encrypted digital signature.

7. The system of claim 1, the computer executable components further comprise:

a credit interface that communicatively couples the mobile device to a networked credit server; and

an authentication component that identifies the first user to the networked credit server, wherein credit history information for the first user is accessible through the mobile device.

8. The system of claim 1, wherein the access level associated with the first user is different from another access level associated with a second user included in the set of predetermined identities of users authorized to interact with the mobile device.

9. The system of claim 8, wherein the first user is an owner of the financial account and the access level associated with the first user is a full access and the other access level associated with the second user is a read-only access.

10. The system of claim 1, wherein the synchronization component selectively allows the at least one transaction based on a balance of the financial account.