GUI-based wallet program for online transactions

Patent metadata

Field	Value
Publication number	US-9639852-B2
Application number	US-23706008-A
Country	US
Kind code	B2
Filing date	Sep 24, 2008
Priority date	Sep 24, 2008
Publication date	May 2, 2017
Grant date	May 2, 2017

Abstract

Provided is a method and a GUI-based software application that acts as a wallet with network interconnectivity for enabling a user to securely and seamlessly conduct transactions with his or her online financial transaction program by means of a computer or a wireless handheld device without having to depend on an Internet browser.

First claim

We claim:

1. A method for selecting one of a plurality of funding source options and a rewards system option during a payment transaction for automatic population into a payment page of a merchant website via a browser-independent graphical user interface (GUI) application, comprising:
determining, by a user device, the beginning of a first payment transaction and, in response, launching a browser-independent graphical user interface (GUI) application to run on the user device;
providing for display, without the use of an Internet browser by the browser-independent GUI application running on the user device during the first payment transaction, a plurality of selectable funding source options and at least one selectable rewards system option;
receiving from an input device on the user device, without the use of an Internet browser and through the browser-independent GUI application running on the user device during the first payment transaction, a selection of a first funding source option from the plurality of selectable funding source options;
automatically populating, during the first payment transaction by the browser-independent GUI application running on the user device in response to the selection of the first funding source option, one or more funding source fields in a payment page of a merchant website with first funding source information that is stored in a memory system in association with the first funding source option;
receiving from the input device on the user device, without the use of an Internet browser and through the browser-independent GUI application running on the user device during the first payment transaction, a selection of a first reward system option from the at least one selectable rewards system option;
automatically populating, during the first payment transaction by the browser-independent GUI application running on the user device in response to the selection of the first reward system option, one or more rewards system fields in the payment page of the merchant website with first rewards system information that is stored in the memory system in association with the first rewards system option; and
providing for display, without the use of an Internet browser by the browser-independent GUI application running on the user device during the first payment transaction, a status of the first payment transaction that is conducted using the first funding source information and the first reward system information.

2. The method of claim 1 , wherein prior to the providing for display, without the use of an Internet browser by the browser-independent GUI application running on the user device during the first payment transaction, the plurality of selectable funding source options and the at least one selectable rewards system option, the method further comprises:
authenticating, without the use of an Internet browser by the browser-independent GUI application running on the user device, a user using login credentials.

3. The method of claim 1 further comprising:
providing for display, without the use of an Internet browser by the browser-independent GUI application running on the user device, a balance of an account corresponding to the first funding source option.

4. The method of claim 3 , wherein the balance is provided for display a plurality of different times, and includes a first balance that is provided for display at a first time and that includes a first amount of currency in the account corresponding to the first funding source option before the payment transaction has been completed, and a second balance that is provided for display at a second time and that includes a second amount of currency in the account corresponding to the first funding source option after the payment transaction has been completed.

5. The method of claim 1 , wherein the first funding source information is populated in the one or more funding source fields in the payment page of a first merchant website, and the method further comprises:
receiving from the input device on the user device, without the use of an Internet browser and through the browser-independent GUI application running on the user device during a second payment transaction that is subsequent to completion of the first payment transaction, a selection of a second funding source option from the plurality of selectable funding source options, wherein the second funding source option is different than the first funding source option;
automatically populating, during the second payment transaction by the browser-independent GUI application running on the user device in response to the selection of the second funding source option, one or more funding source fields in a payment page of a second merchant website with second funding source information that is different than the first funding source information and that is stored in the memory system in association with the second funding source option, wherein the second merchant website is different than the first merchant website.

6. The method of claim 1 , wherein the first rewards system information is populated in the one or more rewards system fields in the payment page of a first merchant website, and the method further comprises:
receiving from the input device on the user device, without the use of an Internet browser and through the browser-independent GUI application running on the user device during a second payment transaction that is subsequent to completion of the first payment transaction, a selection of a second rewards system option from the at least one selectable rewards system option, wherein the second rewards system option is different than the first rewards system option;
automatically populating, during the second payment transaction by the browser-independent GUI application running on the user device in response to the selection of the second rewards system option, one or more rewards system fields in a payment page of a second merchant website with second rewards system information that is different than the first rewards system information and that is stored in the memory system in association with the second rewards system option, wherein the second merchant website is different than the first merchant website.

7. The method of claim 1 further comprising:
providing for display, without the use of an Internet browser by the browser-independent GUI application running on the user device, a currency conversion and a website security message, wherein the currency conversion comprises a conversion between a starting currency and an ending currency, and wherein the website security message comprises a determination of whether the merchant website is a potentially unsafe website.

8. A browser-independent graphical user interface (GUI) application system for selecting one of a plurality of funding source options and a rewards system option during a payment transaction for automatic population into a payment page of a merchant website, comprising:
an input device;
a non-transitory memory storing instructions for providing a browser-independent graphical user interface (GUI) application; and
one or more hardware processors coupled to the input device and the non-transitory memory, wherein the one or more hardware processors are configured to read instructions stored on the non-transitory memory to cause the system to Perform operations comprising:
determine the beginning of a first payment transaction and, in response, launching the browser-independent GUI application;
provide for display, without the use of an Internet browser via the browser independent GUI application during the first payment transaction, a plurality of selectable funding source options and at least one selectable rewards system option;

Assignees

• Low Gak Wee
• Mody Salil
• Paypal Inc

Inventors

• Low Gak Wee
• Mody Salil

Classifications

• G06Q30/00

  Commerce · CPC title

• G06Q30/02

  Marketing; Price estimation or determination; Fundraising · CPC title

• G06Q20/382

  insuring higher security of transaction · CPC title

• G06Q20/227

  characterised in that multiple accounts are available, e.g. to the payer · CPC title

• G06Q30/0226 Primary

  Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems · CPC title