Providing offers associated with payment credentials authenticated in a specific digital wallet

• US 9,721,268 B2
• Filed: 03/04/2014
• Issued: 08/01/2017
• 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): Ravetti, Dante
• Application Number:
  US14/196,869
• Publication Number:
  US 20150254698A1
• Time in Patent Office: 1,246 Days
• Field of Search: 706 16, 706 21, 706 59, 706 71, 380 44, 380262, 380278, 380279
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 30/0215 Including financial accounts

Abstract

Embodiments of the invention are directed to systems, methods and computer program products for providing supplemental account information in digital wallets. An exemplary apparatus is configured to: receive a request to provide a digital wallet on a user'"'"'s mobile device, authenticate at least one payment credential for use within the digital wallet; receive access to an application programming interface configured to push offers to digital wallets, wherein the application programming interface is associated with at least one database maintained by the digital wallet provider; receive, via the application programming interface one or more offers from the at least one database, wherein the offers include at least one incentive for processing payments using the at least one payment credential associated with the digital wallet; and present, to the user on a display of the mobile device, the one or more offers.

Claims

1. A digital wallet system for use with a specific digital wallet maintained on a mobile device, whereby the digital wallet receives offers within the digital wallet that are associated with electronic tokens authenticated in the specific digital wallet, the system comprising:

a computing processor; and

a non-transitory medium storing a module comprising instruction code that when executed by the computing processor cause the computing processor to perform the steps of;

receiving a request from a mobile device of a user to download an application;

downloading the requested application to the mobile device of the user;

accessing, by the downloaded requested application, a digital wallet;

storing the accessed digital wallet (i) in at least one database or (ii) in a memory of the mobile device;

associating at least one single-use electronic token with the accessed digital wallet and storing the at least one single-use electronic token in the accessed digital wallet stored (i) in the at least one database or (ii) in the memory of the mobile device;

authenticating the at least one single-use electronic token;

receiving, by the downloaded requested application, access to an application programming interface;

determining, by the application programming interface, other digital wallets located on the mobile device;

receiving, by the application programming interface, access to the determined other digital wallets located on the mobile device;

accessing, by the application programming interface, the determined other digital wallets located on the mobile device;

retrieving, by the application programming interface, information related to the determined other digital wallets located on the mobile device;

identifying, by the application programming interface, initiation of a purchase having a first purchase price by the user;

determining one or more offers for using the at least one single-use electronic token associated with the accessed digital wallet based on the retrieved information from the determined other digital wallets located on the mobile device;

associating at least one user incentive of the one or more offers with the at least one single-use electronic token;

storing the one or more offers that are associated with the at least one single-use electronic token in the at least one database;

transmitting, via the application programming interface, the one or more offers from the at least one database to the downloaded requested application on the mobile device;

presenting the one or more offers to the user on a display of the mobile device, by the downloaded requested application;

receiving, by the downloaded requested application, from the user, an acceptance of the at least one user incentive from the one or more offers that completes the purchase using the at least one single-use electronic token associated with the accessed digital wallet;

executing the purchase using the at least one user incentive and the at least one single-use electronic token associated with the accessed digital wallet;

transmitting at least one merchant incentive to at least one merchant for processing the purchase using the at least one single-use electronic token; and

deleting the at least one single-use electronic token from the accessed digital wallet stored (i) in the at least one database or (ii) in the memory of the mobile device, based on executing the purchase using the at least one single-use electronic token.

2. The system of claim 1, wherein the steps further comprise transmitting the at least one merchant incentive to the at least one merchant by decreasing a payment interchange assessment associated with the purchase being made by the user based on processing a payment using the at least one single-use electronic token associated with the accessed digital wallet.

3. The system of claim 1, wherein presenting the one or more offers comprises presenting a rewards points incentive for the user.

4. The system of claim 3, wherein the steps further comprise crediting one or more rewards points to a rewards account associated with the accessed digital wallet based on processing a payment using the at least one single-use electronic token associated with the accessed digital wallet.

5. The system of claim 1, wherein the steps further comprise receiving permission from the user to access the information related to the determined other digital wallets located on the mobile device, where the determined other digital wallets are not associated with a digital wallet provider maintaining the accessed digital wallet.

6. The system of claim 5, wherein the steps further comprise accessing the determined other digital wallets and retrieving pricing information related to the determined other digital wallets.

7. A computer-implemented method for transmitting offers associated with electronic tokens authenticated in a specific digital wallet, the method comprising:

receiving, by one or more computing device processors, a request from a mobile device of a user to download an application;

downloading, by the one or more computing device processors, the requested application to the mobile device of the user;

accessing by the downloaded requested application, by the one or more computing device processors, a digital wallet;

storing, by the one or more computing device processors, the accessed digital wallet (i) in at least one database or (ii) in a memory of the mobile device;

associating, by the one or more computing device processors, at least one single-use electronic token with the accessed digital wallet and storing the at least one single-use electronic token in the accessed digital wallet stored (i) in the at least one database or (ii) in the memory of the mobile device;

authenticating, by the one or more computing device processors, the at least one single-use electronic token;

receiving, by the downloaded requested application, by the one or more computing device processors, access to an application programming interface;

determining by the application programming interface, by the one or more computing device processors, other digital wallets located on the mobile device;

receiving by the application programming interface, by the one or more computing device processors, access to the determined other digital wallets located on the mobile device;

accessing by the application programming interface, by the one or more computing device processors, the determined other digital wallets located on the mobile device;

retrieving by the application programming interface, by the one or more computing device processors, information related to the determined other digital wallets located on the mobile device;

identifying by the application programming interface, by the one or more computing device processors, initiation of a purchase having a first purchase price by the user;

determining, by the one or more computing device processors, one or more offers for using the at least one single-use electronic token associated with the accessed digital wallet based on the received information from the determined other digital wallets located on the mobile device;

associating, by the one or more computing device processors, at least one user incentive of the one or more offers with the at least one single-use electronic token;

storing, by the one or more computing device processors, the one or more offers that are associated with the at least one single-use electronic token in the at least one database;

transmitting, by the one or more computing device processors, via the application programming interface the one or more offers from the at least one database to the downloaded requested application on the mobile device;

presenting, by the one or more computing device processors, the one or more offers to the user on a display of the mobile device, by the downloaded requested application;

receiving by the downloaded requested application, by the one or more computing device processors, from the user, an acceptance of the at least one user incentive from the one or more offers that completes the purchase using the at least one single-use electronic token associated with the accessed digital wallet;

executing, by the one or more computing device processors, the purchase using the at least one user incentive and the at least one single-use electronic token associated with the accessed digital wallet;

transmitting, by the one or more computing device processors, at least one merchant incentive to at least one merchant for processing the purchase using the at least one single-use electronic token; and

deleting, by the one or more computing device processors, the at least one single-use electronic token from the accessed digital wallet stored (i) in the at least one database or (ii) in the memory of the mobile device, based on executing the purchase using the at least one single-use electronic token.

9. The computer-implemented method of claim 7, further comprising transmitting, by the one or more computing device processors, the at least one merchant incentive to the at least one merchant by decreasing a payment interchange assessment associated with the purchase being made by the user based on processing a payment using the at least one single-use electronic token associated with the accessed digital wallet.

10. The computer-implemented method of claim 7, wherein presenting, by the one or more computing device processors, the one or more offers comprises presenting a rewards points incentive for the user.

11. The computer-implemented method of claim 10, further comprising crediting, by the one or more computing device processors, one or more rewards points to a rewards account associated with the accessed digital wallet based on processing a payment using the at least one single-use electronic token associated with the accessed digital wallet.

12. The computer-implemented method of claim 7, further comprising receiving, by the one or more computing device processors, permission from the user to access the information related to the determined other digital wallets located on the mobile device, where the other digital wallets are not associated with a digital wallet provider maintaining the accessed digital wallet.

13. The computer-implemented method of claim 12, further comprising accessing, by the one or more computing device processors, the at least one other digital wallet and retrieving pricing information related to the at least one other digital wallet.

8. A non-transitory computer-readable medium containing instructions that when executed by a processor cause the processor to perform the steps of:

receiving a request from a mobile device of a user to download an application;

downloading the requested application to the mobile device of the user;

accessing, by the downloaded requested application, a digital wallet;

storing the accessed digital wallet (i) in at least one database or (ii) in a memory of the mobile device;

associating at least one single-use electronic token with the accessed digital wallet and storing the at least one single-use electronic token in the accessed digital wallet stored (i) in the at least one database or (ii) in the memory of the mobile device;

authenticating the at least one single-use electronic token;

receiving, by the downloaded requested application, access to an application programming interface;

determining, by the application programming interface, other digital wallets located on the mobile device;

receiving, by the application programming interface, access to the determined other digital wallets located on the mobile device;

accessing, by the application programming interface, the determined other digital wallets located on the mobile device;

retrieving, by the application programming interface, information related to the determined other digital wallets located on the mobile device;

identifying, by the application programming interface, initiation of a purchase having a first purchase price by the user;

determining one or more offers for using the at least one single-use electronic token associated with the accessed digital wallet based on the retrieved information from the determined other digital wallets located on the mobile device;

associating at least one user incentive of the one or more offers with the at least one single-use electronic token;

storing the one or more offers that are associated with the at least one single-use electronic token in the at least one database;

transmitting, via the application programming interface, the one or more offers from the at least one database to the downloaded requested application on the mobile device;

presenting the one or more offers to the user on a display of the mobile device, by the downloaded requested application;

receiving, by the downloaded requested application, from the user, an acceptance of the at least one user incentive from the one or more offers that completes the purchase using the at least one single-use electronic token associated with the accessed digital wallet;

executing the purchase using the at least one user incentive and the at least one single-use electronic token associated with the accessed digital wallet;

transmitting at least one merchant incentive to at least one merchant for processing the purchase using the at least one single-use electronic token; and

deleting the at least one single-use electronic token from the accessed digital wallet stored (i) in the at least one database or (ii) in the memory of the mobile device, based on executing the purchase using the at least one single-use electronic token.

14. The non-transitory computer-readable medium of claim 8, wherein the instructions when executed by the processor cause the processor to transmit the at least one merchant incentive to the at least one merchant by decreasing a payment interchange assessment associated with the purchase being made by the user based on processing a payment using the at least one single-use electronic token associated with the accessed digital wallet.

15. The non-transitory computer-readable medium of claim 8, wherein presenting the one or more offers comprises presenting a rewards points incentive for the user.

16. The non-transitory computer-readable medium of claim 15, wherein the instructions when executed by the processor cause the processor to credit one or more rewards points to a rewards account associated with the accessed digital wallet based on processing a payment using the at least one single-use electronic token associated with the accessed digital wallet.

17. The non-transitory computer-readable medium of claim 8, wherein the instructions when executed by the processor cause the processor to receive permission from the user to access the information related to the determined other digital wallets located on the mobile device, where the determined other digital wallets are not associated with a digital wallet provider maintaining the digital wallet.

18. The non-transitory computer-readable medium of claim 17, wherein the instructions when executed by the processor cause the processor to access the determined other digital wallets and retrieve pricing information related to the determined other digital wallets.