Online banking digital wallet management

• US 9,652,764 B2
• Filed: 02/18/2016
• Issued: 05/16/2017
• Est. Priority Date: 03/04/2014
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Bondesen, Laura Corinne, Blackhurst, Jason P., Harkey, Scott Lee, Belchee, William Blakely, Brunswig, Tammy L.
• Primary Examiner(s): Hamilton, Lalita M
• Application Number:
  US15/047,159
• Publication Number:
  US 20160162885A1
• Time in Patent Office: 453 Days
• Field of Search: 705 35, 705 39, 705 40, 705 41, 705 64, 705 65, 705 66, 705 67
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• 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 20/3672 initialising or reloading thereof
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography postage metering system using cryptography G06Q2250/05

Abstract

Embodiments are directed to digital wallet management. Embodiments initiate presentation of a digital wallet management interface, comprising initiating presentation of at least one digital wallet; and initiating presentation of at least one representation of at least one payment credential and at least one indication of which of the at least one digital wallets are associated with each of the at least one payment credentials.

Claims

1. A computer program product for exposure reduction by token deactivation and new token issuance for comprehensive digital wallet management platform, the computer program product comprising at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:

an executable portion configured for allowing presentation of a digital wallet management interface based on an identification of access to an authorized online session;

an executable portion configured for initiating presentation of the digital wallet management interface, comprising;

initiating presentation of at least one digital wallet;

initiating presentation of at least one representation of at least one payment credential and at least one indication of which of the at least one digital wallets are associated with each of the at least one payment credentials; and

initiating presentation of a travel toggle switch configured for graphical manipulation by the user between at least a first position and a second position, wherein the first position corresponds to the user not traveling and the second position corresponds to the user traveling;

an executable portion configured for deactivating an original payment token and issue a new payment token to the at least one digital wallet, in response to the travel toggle switch moving from the first position to the second position; and

an executable portion configured for allowing for re-activation of the original payment token upon an indication of the travel toggle switch moving from the second position to the first position.

2. The computer program product of claim 1,

wherein the at least one representation of the at least one payment credential comprises a graphical object representing the at least one payment credential;

wherein the at least one representation of the at least one digital wallet comprises a graphical object representing the at least one digital wallet;

wherein the at least one indication comprises a graphical link between the graphical object representing the at least one payment credential and the graphical object representing the at least one digital wallet.

3. The computer program product of claim 2, wherein the graphical link comprises an overlap of the graphical object representing the at least one payment credential with the graphical object representing the at least one digital wallet.

4. The computer program product of claim 1, further comprising:

an executable portion configured for receiving user input selecting one of the at least one representations of the at least one payment credentials; and

an executable portion configured for receiving user input selecting one of the at least one digital wallets for association with the selected at least one payment credential.

5. The computer program product of claim 4, further comprising:

an executable portion configured for initiating presentation of the selected payment credential and the selected digital wallet and at least one indication of association between the selected payment credential and the selected digital wallet.

6. The computer program product of claim 1, further comprising:

an executable portion configured for receiving user input setting a usage limit for one of the at least one digital wallets, wherein the usage limit is a threshold spending limit for an aggregation of all the payment credentials associated with the digital wallet.

7. The computer program product of claim 6, wherein the usage limit is a threshold spending limit to be applied to each of the payment credentials associated with the digital wallet individually.

8. The computer program product s of claim 1, wherein the interface is accessed by a customer authenticated through an online banking session administered by a financial institution also administering the digital wallet.

9. The computer program product of claim 1, wherein the interface is accessed by a customer authenticated through a mobile banking application session administered by a financial institution also administering the digital wallet.

10. A computer-implemented method for exposure reduction by token deactivation and new token issuance for comprehensive digital wallet management platform, the method comprising:

providing a computing system comprising a computer processing device and a non-transitory computer readable medium, where the computer readable medium comprises configured computer program instruction code, such that when said instruction code is operated by said computer processing device, said computer processing device performs the following operations;

allowing presentation of a digital wallet management interface based on an identification of access to an authorized online session;

initiating presentation of the digital wallet management interface, comprising;

initiating presentation of at least one digital wallet;

initiating presentation of at least one representation of at least one payment credential and at least one indication of which of the at least one digital wallets are associated with each of the at least one payment credentials; and

initiating presentation of a travel toggle switch configured for graphical manipulation by the user between at least a first position and a second position, wherein the first position corresponds to the user not traveling and the second position corresponds to the user traveling;

deactivating an original payment token and issue a new payment token to the at least one digital wallet, in response to the travel toggle switch moving from the first position to the second position; and

allowing for re-activation of the original payment token upon an indication of the travel toggle switch moving from the second position to the first position.

11. The computer-implemented method of claim 10,

wherein the at least one representation of the at least one payment credential comprises a graphical object representing the at least one payment credential;

wherein the at least one representation of the at least one digital wallet comprises a graphical object representing the at least one digital wallet;

wherein the at least one indication comprises a graphical link between the graphical object representing the at least one payment credential and the graphical object representing the at least one digital wallet.

12. The computer-implemented method of claim 11, wherein the graphical link comprises an overlap of the graphical object representing the at least one payment credential with the graphical object representing the at least one digital wallet.

13. The computer-implemented method of claim 10, wherein the computer processing device is further configured to:

receive user input selecting one of the at least one representations of the at least one payment credentials; and

receive user input selecting one of the at least one digital wallets for association with the selected at least one payment credential.

14. The computer-implemented method of claim 13, wherein the computer processing device is further configured to:

initiate presentation of the selected payment credential and the selected digital wallet and at least one indication of association between the selected payment credential and the selected digital wallet.

15. The computer-implemented method of claim 10, wherein the computer processing device is further configured to receive user input setting a usage limit for one of the at least one digital wallets.

16. The computer-implemented method of claim 10, wherein the interface is accessed by a customer authenticated through an online banking session administered by a financial institution also administering the digital wallet.

17. The computer-implemented method of claim 10, wherein the interface is accessed by a customer authenticated through a mobile banking application session administered by a financial institution also administering the digital wallet.