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

Patent metadata

Field	Value
Publication number	US-9710807-B2
Application number	US-201414213938-A
Country	US
Kind code	B2
Filing date	Mar 14, 2014
Priority date	Aug 18, 2011
Publication date	Jul 18, 2017
Grant date	Jul 18, 2017

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.

First claim

What is claimed is:

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-issuab

Assignees

• Visa Int Service Ass

Inventors

• Theurer Tenni
• Purves Thomas
• Mahadkar Shilpak
• Hammad Ayman

Classifications

• G06Q20/36 Primary

  using electronic wallets or electronic money safes · CPC title

• G06Q20/351

  Virtual cards · CPC title

• G06Q20/405

  Establishing or using transaction specific rules · CPC title

• G06Q20/28

  Pre-payment schemes, e.g. "pay before" · CPC title

• G06Q20/326

  Payment applications installed on the mobile devices · CPC title