Mobile wallet integration within mobile banking

Patent metadata

Field	Value
Publication number	US-11568389-B1
Application number	US-201615393371-A
Country	US
Kind code	B1
Filing date	Dec 29, 2016
Priority date	Apr 30, 2014
Publication date	Jan 31, 2023
Grant date	Jan 31, 2023

Abstract

A mobile device includes a display device; a processor; and a memory device configured to store instructions that, when executed by the processor, cause the processor to: present, by the display device, a user interface for accessing a mobile online banking application; receive a credential for authenticating and accessing the mobile online banking application; provide, by the display device, an option to create a mobile wallet during use of the mobile online banking application; and responsive to receiving an indication to create the mobile wallet, install a mobile wallet application on the mobile device for future mobile wallet transactions.

First claim

What is claimed is:

1. A computer-implemented method, comprising:
presenting, by a mobile device, a user interface for a mobile online banking application to a user of the mobile device;
receiving, by the mobile device, a credential for the mobile online banking application from the user;
receiving, by the mobile device, an indication from the user to create a mobile wallet from the mobile online banking application;
responsive to receiving the indication, receiving, by the mobile device, user account information as part of a registration process for the mobile wallet;
registering, by the mobile device, the mobile wallet with a mobile wallet bank computer system for use in mobile wallet transactions, the registering including:
receiving, by the mobile device, a customer token and a device token during an initial mobile wallet session, wherein the customer token identifies the user, wherein the device token identifies a current mobile wallet session of the user on the mobile device, and wherein the customer token and device token are used to identify the user and the mobile device in a mobile wallet transaction; and
receiving and storing, by the mobile device, an offline code associated with a default payment method for a mobile wallet transaction;

while the mobile device is offline, providing, by the mobile device, the offline code to a merchant computing system for a mobile wallet transaction; and
during a subsequent mobile wallet session while the mobile device is online:
receiving, by the mobile device, a new device token uniquely identifying the subsequent mobile wallet session of the user on the mobile device, wherein a new device token is received each time the user operates the mobile wallet; and
providing, by the mobile device, the customer token and the new device token to the mobile wallet bank computer system for validation for a mobile wallet transaction.

2. The method of claim 1 , wherein the credential includes a fingerprint of the user.

3. The method of claim 1 , further comprising providing, by the mobile device via the mobile online banking application, a button on a same display screen as bank account information; and receiving, by the mobile device, a selection of the button, by the user, to create the mobile wallet.

4. The method of claim 1 , wherein the user account information includes at least one of a mobile wallet login credential and a source account associated with the mobile wallet.

5. The method of claim 4 , wherein the mobile wallet login credential is different from a credential for authenticating and accessing the mobile online banking application.

6. The method of claim 1 , wherein the mobile device stores each of the customer token and the new device token regarding the subsequent mobile wallet session.

7. The method of claim 1 , wherein the registration includes installation of a mobile wallet application on the mobile device, wherein the mobile wallet is accessible via the mobile wallet application.

8. The method of claim 1 , further comprising:
subsequent to completing registration, receiving, by the mobile device, a mobile wallet credential to access the mobile wallet; and
receiving, by the mobile device, an indication from the user to perform a mobile wallet transaction to transfer funds to a recipient using the mobile device.

9. The method of claim 8 , further comprising:
responsive to accessing the mobile wallet, providing, by the mobile device, the customer token and device token to a mobile wallet computer system for validation to enable the mobile wallet transaction.

10. A mobile device, comprising:
a display device;
a processor; and
a memory device configured to store instructions that, when executed by the processor, cause the processor to:
present, by the display device, a user interface for a mobile online banking application to a user of the mobile device;
receive a credential for the mobile online banking application from the user;
receive an indication from the user to create a mobile wallet from the mobile online banking application;
responsive to receiving the indication, receive user account information as part of a registration process for the mobile wallet;
register the mobile wallet with a mobile wallet bank computer system for use in mobile wallet transactions, the registering including:
receive a customer token and a device token during an initial mobile wallet session, wherein the customer token uniquely identifies the user, wherein the device token uniquely identifies a current mobile wallet session of the user on the mobile device, and wherein the customer token and device token are used to identify the user and the mobile device in a mobile wallet transaction; and
receive and store an offline token associated with a default payment method for a mobile wallet transaction;

while the mobile device is offline, provide the offline token to a merchant computing system for a mobile wallet transaction; and
during a subsequent mobile wallet session while the mobile device is online:
receive a new device token uniquely identifying the subsequent mobile wallet session of the user on the mobile device, wherein a new device token is received each time the user operates the mobile wallet; and
provide the customer token and the new device token to the mobile wallet bank computer system for validation for a mobile wallet transaction.

11. The mobile device of claim 10 , wherein the customer token and the new device token are stored on the mobile device during the subsequent mobile wallet session.

12. The mobile device of claim 10 , wherein the credential for the mobile online banking application is different from a mobile wallet credential.

13. The mobile device of claim 10 , wherein the instructions, when executed by the processor, further cause the processor to receive as part of the registration process a designation of a source account for the mobile wallet transactions.

14. The mobile device of claim 10 , wherein the instructions, when executed by the processor, further cause the processor to receive as part of the registration process a PIN to authenticate the user and provide access, in response to authenticating the user, to the mobile wallet.

15. The mobile device of claim 10 , wherein the instructions, when executed by the processor, further cause the processor to receive as part of the registration process a default payment method for the mobile wallet transactions.

16. The mobile device of claim 10 , wherein the credential includes at least one of a fingerprint or a combination of a username and password.

17. The mobile device of claim 10 , wherein the instructions, when executed by the processor, further cause the processor to provide, via the mobile online banking application, a button on a same display screen as bank account information; and, receive a selection of the button, by the user, to create the mobile wallet.

18. The mobile device of claim 10 , wherein the instructions, when executed by the processor, further cause the processor to provide access to the mobile wallet via the mobile online banking application.

Assignees

• Wells Fargo Bank Na

Inventors

• Kurani Ashish Bhoopen
• Stroke Nikolai
• Sahni Bipin
• Ellis Stephen M

Classifications

• G06Q20/36 Primary

  using electronic wallets or electronic money safes · CPC title

• G06Q20/3223

  Realising banking transactions through M-devices · CPC title

• G06Q20/385

  using an alias or single-use codes · CPC title

• G06Q20/3221

  Access to banking information through M-devices · CPC title

• G06Q20/40

  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 title