VIRTUAL WALLET

• US 20080048022A1
• Filed: 08/23/2006
• Published: 02/28/2008
• Est. Priority Date: 08/23/2006
• Status: Active Grant

• Current Assignee: Verizon Patent and Licensing Incorporated (Verizon Communications Inc.)
• Original Assignee: MCI Financial Management Corp.
• Inventors: Vawter, Jamison
• Granted Patent: US 7,708,194 B2
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/388 using mutual authentication without cards, e.g. challenge-response
• CPC Class Codes: G06Q 20/40975 using encryption therefor
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A managed service may include first logic to receive authentication information from a user terminal on behalf of a user, and receive user information on behalf of the user when the user terminal is authenticated via the authentication information. The first logic may send a portion of the user information to a mobile wallet application operating on a mobile terminal related to the user, and may receive updated user information from the mobile terminal, where the updated user information identifies a change to the portion of the user information, the change based on an operation performed via the mobile terminal on behalf of the user. The managed service may include second logic to store the user information in a server virtual wallet application on behalf of the user, retrieve the portion of the user information from the server virtual wallet application for the sending, and store the updated user information in the server virtual wallet application.

Claims

1. A managed service, comprising:

first logic to;

receive authentication information from a terminal on behalf of a user,

receive user information on behalf of the user when the user terminal is authenticated via the authentication information,

send a portion of the user information to a mobile wallet application operating on a mobile terminal of the user, and

receive updated user information from the mobile terminal, where the updated user information identifies a change to the portion of the user information, the change based on an operation performed via the mobile terminal on behalf of the user; and

second logic to;

store the user information in a server virtual wallet application on behalf of the user,

retrieve the portion of the user information from the server virtual wallet application, and

store the updated user information in the server virtual wallet application.

2. The managed service of claim 1, wherein the user information comprises:

a name, an address, a phone number, an electronic serial number, a social security number, a driver'"'"'s license number, passport information, access information, credit card information, debit card information, a receipt, order information, account information, an image, a music file, a contact, a data file, a document, a spreadsheet, a call log, secure personal identification number (PIN) pad logic, or a coupon.

3. The managed service of claim 1, wherein the mobile terminal, the user, or the user terminal subscribe to the managed service.

4. A mobile terminal, comprising:

first logic to;

send identifying information to a virtual wallet application running on a server to identify the mobile terminal,

receive user information from the virtual wallet application, the user information identified using the identifying information,

send transaction information to a transaction device to facilitate a transaction on behalf of the mobile terminal, where the transaction information includes a portion of the user information, and

send completed transaction information related to the transaction to the virtual wallet application; and

second logic to;

retrieve the identifying information from a mobile virtual wallet,

process the user information to produce the transaction information, and

store the completed transaction information using the mobile virtual wallet.

5. The mobile terminal of claim 4, wherein the second logic is configured to:

process the completed transaction information, the processing making the completed transaction information compatible with the virtual wallet application.

6. The mobile terminal of claim 4, wherein the user information comprises:

a name, an address, a phone number, an electronic serial number, a social security number, a driver'"'"'s license number, passport information, access information, credit card information, debit card information, a receipt, order information, account information, an image, a music file, a contact, a data file, a document, a spreadsheet, a call log, secure personal identification number (PIN) pad logic, a coupon, student ID, or employee ID.

7. The mobile terminal of claim 6, wherein the mobile virtual wallet is configured to:

store at least a portion of the user information in a structured arrangement.

8. The mobile terminal of claim 4, wherein the first logic is configured to:

send the identifying information to the server via a far field communication link, and

send the transaction information to the transaction device via a near field wireless communication link.

9. The mobile terminal of claim 4, wherein the second logic is configured to:

store updated user information received from a user of the mobile terminal, and

retrieve a portion of the updated user information using the mobile virtual wallet; and

wherein the first logic is configured to;

send the portion of the updated user information to the virtual wallet application.

10. A method, comprising:

verifying an identity of a user terminal;

receiving user information from the user terminal on behalf of a user when the user terminal is verified;

storing the user information in a structured arrangement using a virtual wallet application operated on behalf of the user;

sending a portion of the user information to a virtual wallet operating on a mobile terminal of the user;

receiving updated information from the mobile terminal, the updated information to update at least a portion of the user information, where the updated information is received on behalf of the user from the virtual wallet; and

providing the updated information to the user terminal, the mobile terminal, or another device identified with the user, when the user terminal, the mobile terminal, or the another device are identified as being related to the user.

11. The method of claim 10, wherein the receiving user information or the receiving updated information comprises:

receiving a name, an address, a phone number, an electronic serial number, a social security number, a driver'"'"'s license number, passport information, access information, credit card information, debit card information, a receipt, order information, account information, an image, a music file, a contact, a data file, a document, a spreadsheet, a call log, secure personal identification number (PIN) pad logic, a coupon, student ID, or employee ID.

12. The method of claim 10, further comprising:

receiving transaction information from a transaction device participating in a transaction with the mobile terminal; and

updating the user information based on the transaction information.

13. The method of claim 10, further comprising:

contacting a destination on behalf of the user;

identifying the user to the destination;

downloading information from the destination on behalf of the user; and

updating the user information with the information; and

storing the updated user information using the virtual wallet application.

14. The method of claim 10, further comprising:

registering the user, the user terminal, or the mobile terminal with a managed service related to the virtual wallet application; and

invoicing the user for the managed service.

15. The method of claim 10, further comprising:

receiving the user information from a first browser application operating on behalf of the user terminal; and

sending the portion of the user information to a second browser application operating on behalf of the mobile terminal.

16. The method of claim 10, further comprising:

configuring the virtual wallet based on instructions received from the user terminal.

17. A computer readable medium that stores instructions executable by a processing device, the computer readable medium comprising:

instructions for validating an identity of a device, the device validated on behalf of a user;

instructions for configuring a virtual wallet application on behalf of the user, the virtual wallet application to store user information on behalf of the user;

instructions for receiving the user information from the device on behalf of the user;

instructions for sending a portion of the user information to a virtual wallet on a mobile terminal operating on behalf of the user;

instructions for receiving updated user information from the mobile terminal, a user terminal, a server, or another device on behalf of the user; and

instructions for storing the updated user information on behalf of the user using the virtual wallet application.

18. The computer readable medium of claim 17, further comprising:

instructions to receive transaction information from a transactions device; and

instructions to update the user information based on the transaction information.

19. The computer readable medium of claim 17, further comprising:

instructions to operate a managed service on behalf of the user and a plurality of other users, the managed service providing, on a subscription basis, the virtual wallet to the user and the plurality of other users, and storage of the user information via the virtual wallet application.

20. The computer readable medium of claim 17, wherein the instructions to receive updated user information receive updated user information related to a name, an address, a phone number, an electronic serial number, a social security number, a driver'"'"'s license number, passport information, access information, credit card information, debit card information, a receipt, order information, account information, an image, a music file, a contact, a data file, a document, a spreadsheet, a call log, secure personal identification number (PIN) pad logic, or a coupon.