Shareable widget interface to mobile wallet functions

• US 9,508,073 B2
• Filed: 01/14/2014
• Issued: 11/29/2016
• Est. Priority Date: 10/06/2005
• Status: Active Grant

• Current Assignee: Mastercard Mobile Transactions Solutions, Inc. (MasterCard Incorporated)
• Original Assignee: Mastercard Mobile Transactions Solutions, Inc. (MasterCard Incorporated)
• Inventors: Desai, Mehul, Pitroda, Satyan G., Maniar, Nehal
• Primary Examiner(s): Ebersman, Bruce I
• Assistant Examiner(s): POE, KEVIN T
• Application Number:
  US14/154,635
• Publication Number:
  US 20140129438A1
• Time in Patent Office: 1,050 Days
• Field of Search: 705/41
• US Class Current: 1/1
• CPC Class Codes: G06F 8/65 Updates security arrangements therefor G06F21/57
• CPC Class Codes: G06Q 20/08 Payment architectures
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0641 Shopping interfaces

Abstract

Configuring a shareable widget interface to mobile wallet functions includes disposing a wallet module in a memory of a client device, and disposing a wallet companion applet in a secure element accessible by the client device, wherein the wallet companion applet facilitates access by at least one other applet and at least one wallet module to content that is stored in the secure element via a mobile wallet function sharable interface.

Claims

1. A method of operating a digital wallet on a mobile device, comprising:

executing the digital wallet on at least one of the mobile device and a server of a network-based multi-domain ecosystem for secure personalized transactions to configure and install a digital wallet applet associated with the digital wallet in a first security domain region of a secure element subset of a non-transient digital memory of the mobile device, wherein a plurality of applets are stored in the first security domain region;

managing a portion of the plurality of applets in the first security domain region of the secure element subset as a group by authenticating security keys for the security domain-specific region, and wherein each of a plurality of security domain regions of the secure element require distinct security domain-specific security keys, wherein managing comprises at least two of loading, installing and deleting the portion of the plurality of applets; and

executing the digital wallet applet, thereby providing a sharable interface through which the digital wallet applet manages access to a digital wallet associated with the digital wallet applet, the sharable interface providing digital wallet applet-managed access by the digital wallet applet to the digital wallet, providing digital wallet applet-managed access by another applet executing on the mobile device to the digital wallet, and providing digital wallet applet-managed access by an external multi-domain computing ecosystem server that is in electronic communication with the mobile computing device to the digital wallet, wherein the digital wallet applet, the another applet and the external multi-domain computing ecosystem server each communicate with the sharable interface electronically.

2. The method of claim 1, wherein managing access to the digital wallet comprises coordinating access to digital wallet resources by the digital wallet applet and at least one of a couponing applet, an over-the-air transaction applet, a service-provider personalized applet, and a payment applet.

3. The method of claim 2, wherein coordinating access to digital wallet resources facilitates a payment transaction that includes use of a coupon and at least one other form of payment that is accessible via the wallet.

4. The method of claim 1, wherein the external multi-domain computing ecosystem server has access to account information corresponding to a resource of the digital wallet and wherein an identifier of the stored account information is retrieved from the digital wallet by the digital wallet applet for forwarding to the participant.

5. The method of claim 1, wherein managing access to the digital wallet comprises facilitating secure interaction with at least one participant in a multi-domain computing ecosystem for secure personalized transactions.

6. The method of claim 1, wherein managing access to the digital wallet further comprises communicating with other applets via an application protocol data unit interface.

7. The method of claim 1, wherein the digital wallet applet further provides at least two wallet management features selected from a group of features consisting of secure storage, authentication, ID management, activation control, cryptography, key generation, key storage, and PIN control.

8. The method of claim 1, wherein providing a sharable interface under control of the digital wallet applet comprises facilitating access to one or more additional wallet applets via the sharable interface.

9. The method of claim 1, wherein managing access to the digital wallet comprises managing access to secure element content via the sharable interface.

10. The method of claim 1, wherein the sharable interface facilitates managed access by at least one other wallet applet to wallet-related information stored in the secure element.