Augmented reality headset and digital wallet

Patent metadata

Field	Value
Publication number	US-10943229-B2
Application number	US-201615363692-A
Country	US
Kind code	B2
Filing date	Nov 29, 2016
Priority date	Nov 29, 2016
Publication date	Mar 9, 2021
Grant date	Mar 9, 2021

Abstract

An augmented reality system includes an augmented reality user device and a digital wallet. The digital wallet includes items associated with a user. The augmented reality user device includes a head mounted display, a memory, and processors. The display overlays virtual objects onto a field of view of the user. The processors overlay the digital wallet contents on a field of view of the user so that the user may select one of the items for use in an electronic transaction. For example, the processors request and receive an inventory of the digital wallet and overlay a graphical representation of the items within the field of view of the user via the display. The processors detect a hand gesture and identify a selected item based on the hand gesture. The processors generate a transfer token based on the identified item and transmit it to the electronic transaction terminal.

First claim

The invention claimed is:

1. An augmented reality system comprising:
an augmented reality user device and a digital wallet;
the digital wallet comprising a database of one or more items associated with a user, at least one of the one or more items comprising a digital representation of a payment card;
the augmented reality user device comprising:
a display configured to overlay virtual objects onto a field of view of the user in real-time;
a memory; and
one or more processors coupled to the memory and to the display, wherein the one or more processors are configured to:
wirelessly communicate with an electronic transaction terminal to determine the augmented reality user device is proximate the electronic transaction terminal before accessing a digital wallet;
send a request for an inventory of the digital wallet, wherein the request comprises a unique identifier that corresponds with the augmented reality user device;
receive the inventory of the digital wallet in response to the request, wherein the inventory comprising one or more items contained in the database of the digital wallet;
overlay a graphical representation of the one or more items contained in the database of the digital wallet within the field of view of the user via the display;
detect a hand gesture performed by the user, wherein the hand gesture comprises grabbing one of the one or more items displayed within the field of view of the user to be used for an electronic transaction with the electronic transaction terminal;
identify one of the one or more items based on the detected hand gesture;
generate a transfer token based on the identified item, the transfer token comprising information about a user account associated with the identified item; and
transmit the transfer token to the electronic transaction terminal.

2. The augmented reality system of claim 1 , wherein the digital wallet is stored in a mobile communications device.

3. The augmented reality system of claim 1 , wherein the digital wallet is stored in cloud-based storage.

4. The augmented reality system of claim 1 , wherein the digital wallet is stored in the memory of the augmented reality user device.

5. The augmented reality system of claim 1 , the augmented reality user device further comprising a camera operable to obtain biometric information of the user wearing the display, and wherein the identifier of the augmented reality user device comprises biometric information obtained by the camera.

6. The augmented reality system of claim 5 , wherein the biometric information comprises at least one of facial information or retina information.

7. The augmented reality system of claim 1 , wherein the processor is operable to transmit the transfer token to the electronic transaction terminal using near field communication (NFC).

8. A method of performing an electronic transaction in an augmented reality system, the method comprising:
wirelessly communicating with an electronic transaction terminal to determine an augmented reality user device is proximate electronic transaction terminal before accessing a digital wallet;
sending a request for an inventory of a digital wallet, wherein:
the request comprises a unique identifier that corresponds with the augmented reality user device; and
the digital wallet comprising a database of one or more items associated with the user, at least one of the one or more items comprising a digital representation of a payment card;

receiving the inventory of the digital wallet, the inventory comprising one or more items contained in the digital wallet;
overlaying a graphical representation of the one or more items contained in the digital wallet within a field of view of the user via the display;
detecting a hand gesture performed by the user, wherein the hand gesture comprises grabbing one of the one or more items displayed within the field of view of the user to be used for an electronic transaction with the electronic transaction terminal;
identifying one of the one or more items based on the detected hand gesture;
generating a transfer token based on the identified item, the transfer token comprising information about a user account associated with the identified item; and
transmitting the transfer token to the electronic transaction terminal.

9. The method of claim 8 , wherein the digital wallet is stored in a mobile communications device.

10. The method of claim 8 , wherein the digital wallet is stored in cloud-based storage.

11. The method of claim 8 , wherein the digital wallet is stored in the memory of the augmented reality user device.

12. The method of claim 8 , the augmented reality user device further comprising a camera operable to obtain biometric information of the user wearing the display, and wherein the identifier of the augmented reality user device comprises biometric information obtained by the camera.

13. The method of claim 12 , wherein the biometric information comprises at least one of facial information or retina information.

14. The method of claim 8 , wherein transmitting the transfer token to the electronic transaction terminal uses near field communication (NFC).

15. An augmented reality device comprising:
a display configured to overlay virtual objects onto a field of view of a user in real-time;
a memory; and
one or more processors coupled to the memory and to the display, wherein the one or more processors are configured to:
wirelessly communicate with an electronic transaction terminal to determine the augmented reality device is proximate to the electronic transaction terminal before accessing a digital wallet;
send a request for an inventory of the digital wallet, wherein:
the request comprises a unique identifier that corresponds with the augmented reality user device; and
the digital wallet comprises a database of one or more items associated with the user, at least one of the one or more items comprising a digital representation of a payment card;

receive an inventory of the digital wallet in response to the request, wherein the inventory comprising one or more items contained in the digital wallet;
overlay a representation of the one or more items contained in the digital wallet within the field of view of the user via the display;
detect a gesture performed by the user, wherein the gesture comprises grabbing one of the one or more items displayed within the field of view of the user;
identify one of the one or more items based on the detected gesture;
generate a transfer token based on the identified item, the transfer token comprising information about a user account associated with the identified item; and
transmit the transfer token to the electronic transaction terminal.

16. The augmented reality device of claim 15 , wherein the digital wallet is stored in the memory of the augmented reality user device.

17. The augmented reality device of claim 15 , the augmented reality user device further comprising a camera operable to obtain biometric information of the user wearing the display.

Assignees

• Bank Of America

Inventors

• Dolan Heather
• Dravneek Victoria L
• Mohamed Zafer

Classifications

• G06F3/011

  Arrangements for interaction with the human body, e.g. for user immersion in virtual reality (blind teaching G09B21/00) · CPC title

• G06Q20/367 Primary

  involving electronic purses or money safes · CPC title

• G06T11/60

  Creating or editing images; Combining images with text · CPC title

• G06Q20/321

  using wearable devices · CPC title