System and method for a mobile wallet

• US 10,062,076 B1
• Filed: 04/08/2016
• Issued: 08/28/2018
• 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:
  US15/094,938
• Time in Patent Office: 872 Days
• Field of Search: 705 3- 44
• 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 receiving an image captured by a mobile device and determining an orientation and a geographic location of the mobile device based on the image. The method includes generating a display for the image that identifies the location of one or more merchants relative to the mobile device and providing the relative location of the one or more merchants by sending the display to the mobile device as an overlay on the image.

Claims

1. 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 to;

receive an image from a mobile device;

generate a first display for the image that identifies a location of one or more merchants on the received image;

provide a relative location of the one or more merchants by sending the first display to the mobile device as a first overlay image on the received image such that the relative location of the one or more merchants is viewable on the received image;

generate a second display for the image, the second display including at least one input field to be filled by the user to provide data for at least one incentive associated with the one or more merchants; and

provide the at least one input field to be filled by the user by sending the second display to the mobile device as a second overlay image on the received image, such that the at least one input field to be filled by the user is viewable on the received image.

2. The computer system of claim 1, wherein the first overlay display is generated based on a geographic location and orientation of the mobile device.

3. The computer system of claim 1, wherein the one or more processors are configured to dynamically update the first overlay image according to the geographic location of the mobile device.

4. The computer system of claim 1, wherein the image received from the mobile device changes according to the orientation of the mobile device, and wherein the one or more processors are configured to update the first overlay image based on the changing image.

5. The computer system of claim 1, wherein the one or more merchants are identified based on an offer available to a user of the mobile device.

6. The computer system of claim 5, wherein the first overlay image includes a marker that recites a name of a merchant and an offer that is available to the user from the merchant.

7. The computer system of claim 1, wherein the one or more merchants are identified based on an associated value card stored in a mobile wallet account held by a user of the mobile device.

8. The computer system of claim 1, wherein the first overlay image includes an online storefront from which a user of the mobile device can purchase an item or service from at least one of the merchants by interacting with the first overlay image.

9. A computer-implemented method, comprising:

receiving, by a computer system, an image from a mobile device;

generating, by the computer system, a first display for the image that identifies a location of one or more merchants on the received image;

providing, by the computer system, a relative location of the one or more merchants by sending the first display to the mobile device as a first overlay image on the received image such that the relative location of the one or more merchants is viewable on the received image;

generating, by the computer system, a second display for the image, the second display including at least one input field to be filled by the user to provide data for at least one incentive associated with the one or more merchants; and

providing, by the computer system, the at least one input field to be filled by the user by sending the second display to the mobile device as a second overlay image on the received image, such that the at least one input field to be filled by the user is viewable on the received image.

10. The method of claim 9, wherein the first overlay image is generated based on a geographic location and orientation of the mobile device.

11. The method of claim 9, further comprising dynamically updating the first overlay image according to the geographic location of the mobile device.

12. The method of claim 9, wherein the image received from the mobile device changes according to the orientation of the mobile device, and further comprising updating the first overlay image based on the changing image.

13. The method of claim 9, wherein the one or more merchants are identified based on an offer available to a user of the mobile device.

14. The method of claim 13, wherein the first overlay image includes a marker that recites a name of a merchant and an offer that is available to the user from the merchant.

15. The method of claim 9, wherein the one or more merchants are identified based on an associated value card stored in a mobile wallet account held by a user of the mobile device.

16. The method of claim 9, wherein the first overlay image includes an online storefront from which a user of the mobile device can purchase an item or service from at least one of the merchants by interacting with the first overlay image.

17. A computer-implemented method, comprising:

receiving, by a computer system, an image captured by a mobile device;

determining, by the computer system, an orientation and a geographic location of the mobile device based on the received image;

generating, by the computer system, a first display for the image that identifies a location of one or more merchants relative to the mobile device;

providing, by the computer system, a relative location of the one or more merchants by sending the first display to the mobile device as a first overlay image on the received image such that the relative location of the one or more merchants is viewable on the received image;

generating, by the computer system, a second display for the image, the second display including at least one input field to be filled by the user to provide data for at least one incentive associated with the one or more merchants; and

providing, by the computer system, the at least one input field to be filled by the user by sending the second display to the mobile device as a second overlay image on the received image, such that the at least one input field to be filled by the user is viewable on the received image.

18. The method of claim 17, wherein the computer system provides a mobile wallet account to a user of the mobile device, and wherein the first overlay image is provided using a mobile wallet application operating on the mobile device.

19. The method of claim 18, wherein the merchants identified have an offer available for the user, and wherein the user can accept the offer using the mobile wallet application.

20. The method of claim 19, wherein the offer is based on one or more transactions by the user using the mobile wallet account.

21. The method of claim 18, wherein the first overlay image includes an online storefront for a merchant, and wherein the user can make a purchase from the merchant using the mobile wallet application.

22. The method of claim 17, further comprising dynamically updating the first overlay image according to the geographic location of the mobile device.

23. The method of claim 17, wherein the image captured by the mobile device changes according to the orientation of the mobile device, and further comprising updating the first overlay image based on the changing image.