Third-party value added wallet features and interfaces apparatuses, methods and systems

• US 9,710,807 B2
• Filed: 03/14/2014
• Issued: 07/18/2017
• Est. Priority Date: 08/18/2011
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Purves, Thomas, Theurer, Tenni, Mahadkar, Shilpak, Hammad, Ayman
• Primary Examiner(s): Dass, Harish T
• Application Number:
  US14/213,938
• Publication Number:
  US 20150026049A1
• Time in Patent Office: 1,222 Days
• Field of Search: 235380, 705 17, 705 39, 705 44, 705 261, 715 62, 455406
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/351 Virtual cards
• 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 20/405 Establishing or using transaction specific rules

Abstract

The THIRD-PARTY VALUE ADDED WALLET FEATURES AND INTERFACES APPARATUSES, METHODS, AND SYSTEMS (“VAW”) facilitates allowing a third party service provider to integrate with an electronic wallet to provide a value-added service to a wallet consumer. The VAW may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer'"'"'s virtual wallet.

Claims

1. A third-party value added wallet service processor-implemented method, comprising:

submitting, using one or more processors, a first certificate that identifies a digital wallet account;

generating, using the one or more processors, an ID/password for a third party service provider based on the first certificate;

distributing, using the one or more processors, the ID/password to the third party service provider;

receiving, using the one or more processors, a second certificate that identifies the third party service provider;

verifying, using the one or more processors, the second certificate using the ID/password;

receiving, using the one or more processors, a user interface configuration associated with a service that the third party service provider provides in response to verifying the second certificate;

receiving, using the one or more processors, a third-party value added user interface integration request;

determining, using the one or more processors, an integration privilege associated with the service that the third party service provider provides;

identifying the digital wallet account using the first certificate;

integrating, using the one or more processors, a digital wallet account user interface associated with the digital wallet account with a service user interface defined by the user interface configuration associated with the service that the third party service provider provides; and

displaying, using the one or more processors, a consolidated presentation of the digital wallet account user interface and the service user interface in a single application.

2. The method of claim 1, wherein the third-party value added is related to an alert.

3. The method of claim 1, wherein the third-party value added is related to an offer.

4. The method of claim 3, wherein a display is generated with a list of payment instruments on file;

wherein a card is selected based upon a user-selection and a list of available services for this card is displayed.

5. The method of claim 4, wherein after the offers-specific service settings have been configured, a wireless mobile communications device receives offers at a specified email address and phone number.

6. The method of claim 5, wherein user-selection indicates that offers are to be received on a wallet activity wall.

7. The method of claim 6, wherein the wallet activity wallet is accessible from a Wallet web site.

8. The method of claim 6, wherein the wallet activity wallet is accessible from a wallet mobile app.

9. The method of claim 1, wherein the third-party value added is related to an ATM locator.

10. The method of claim 1, wherein the third-party value added is related to a top-up.

11. The method of claim 1, wherein multiple payment instruments are displayed;

wherein a set of services are associated with each payment instrument.

12. The method of claim 11, wherein each of the services for a given payment instrument is associated with a service provider.

13. The method of claim 12, wherein multiple service providers provide the same service.

14. The method of claim 13, wherein a payment instrument is selected, facilitating user-subscription to associated service implementations.

15. The method of claim 1, wherein interactions between a user'"'"'s electronic wallet and service providers in an integration include subscription to service.

16. The method of claim 15, wherein the subscription to service includes a user subscribing to service implementation, when used for the first time or when service version changes.

17. The method of claim 1, wherein interactions between a user'"'"'s electronic wallet and service providers in an integration include user settings.

18. The method of claim 17, wherein the user settings include retrieving and updating of user settings for a given service implementation.

19. The method of claim 1, wherein interactions between a user'"'"'s electronic wallet and service providers in an integration include activity notification.

20. The method of claim 19, wherein the activity notification includes an activity item for a user related to a service implementation.

21. The method of claim 1, wherein interactions between a user'"'"'s electronic wallet and service providers in an integration include activity settings.

22. The method of claim 21, wherein the activity settings include updating the settings for a specific activity item.

23. The method of claim 1, wherein the one or more processors are located on a wireless mobile communications device.

24. A third-party value added wallet service system, comprising:

means to onboard a third party service provider including means to;

submit a first certificate that identifies a digital wallet account;

generate an ID/password for a third party service provider based on the first certificate;

distribute the ID/password to the third party service provider;

receive a second certificate that identifies the third party service provider; and

verify the second certificate using the ID/password;

means to onboard a service that the third party service provider provides including means to receive a user interface configuration associated with the service that the third party service provider provides in response to verifying the second certificate;

means to receive third-party value added user interface integration request;

means to determine an integration privilege associated with the service that the third party service provider provides;

means to identify the digital wallet account using the first certificate;

means to integrate a digital wallet account user interface associated with the digital wallet account with a service user interface defined by the user interface configuration associated with the service that the third party service provider provides;

means to display a consolidated presentation of the digital wallet account user interface and the service user interface in a single application.

25. A processor-readable tangible medium storing processor-issuable third-party value added wallet service instructions to:

submit a first certificate that identifies a digital wallet account;

generate an ID/password for a third party service provider based on the first certificate;

distribute the ID/password to the third party service provider;

receive a second certificate that identifies the third party service provider;

verify the second certificate using the ID/password;

receive a user interface configuration associated with a service that the third party service provider provides in response to verifying the second certificate;

receive third-party value added user interface integration request;

determine an integration privilege associated with the service that the third party service provider provides;

identify the digital wallet account using the first certificate;

integrate a digital wallet account user interface associated with the digital wallet account with a service user interface defined by the user interface configuration associated with the service that the third party service provider provides;

display a consolidated presentation of the digital wallet account user interface and the service user interface in a single application.

26. A third-party value added wallet service apparatus, comprising:

a processor; and

a memory disposed in communication with the processor and storing processor-issuable instructions to;

submit a first certificate that identifies a digital wallet account;

generate an ID/password for a third party service provider based on the first certificate;

distribute the ID/password to the third party service provider;

receive a second certificate that identifies the third party service provider;

verify the second certificate using the ID/password;

receive a user interface configuration associated with a service that the third party service provider provides in response to verifying the second certificate;

receive third-party value added user interface integration request;

determine an integration privilege associated with the service that the third party service provider provides;

identify the digital wallet account using the first certificate;

integrate a digital wallet account user interface associated with the digital wallet account with a service user interface defined by the user interface configuration associated with the service that the third party service provider provides;

display a consolidated presentation of the digital wallet account user interface and the service user interface in a single application.