US 10,853,791 B1Granted

Mobile wallet dynamic interface

AssigneeWells Fargo Bank, N.A.

InventorsStephen M. Ellis, Ashish B. Kurani

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Abstract

A mobile wallet computing system associated with a mobile wallet database includes a mobile wallet circuit structured to present a mobile wallet interface to a mobile wallet user. The mobile wallet interface includes a first portion that includes a graphical depiction of a user payment vehicle associated with a financial institution, the first portion including a first interaction point that enables the user to initiate a sequence to engage in a mobile wallet transaction using the mobile wallet. The interface also includes a second portion that includes a second interaction point and a third interaction point, the second interaction point enabling the user to access a functionality enabling the user to indicate a transaction preference for a transaction with an entity other than the mobile wallet provider or financial institution, the third interaction point enabling the user to indicate a preference to initiate communications with the financial institution.

Claims20

Dependent claims

A computer-implemented method, comprising:

presenting, by a mobile device, a mobile wallet interface to a user, the mobile wallet interface including a first depiction of a user payment vehicle and a first icon configured to receive a first user input to take a first action with respect to the user payment vehicle, wherein the first action is at least one of engaging in a point of sale transaction using the user payment vehicle, viewing an account balance associated with the user payment vehicle, viewing a transaction history associated with the user payment vehicle, performing an account management function with respect to the user payment vehicle, performing a person-to-person transfer using the user payment vehicle, or engaging in a network transaction using the user payment vehicle;
determining, by the mobile device, that the first user input has not been received within a predetermined period;
and
updating, by mobile device, the mobile wallet interface responsive to the determination, wherein the updating includes:
removing, by the mobile device, the first icon from the mobile wallet interface;
comparing, by the mobile device, the transaction history associated with the user payment vehicle to transaction histories of a plurality of other mobile wallet users to identify a group of mobile wallet users that is similar to the user;
identifying, by the mobile device, a subset of services commonly used by the group of mobile wallet users based on mobile wallet usage data associated with the group of mobile wallet users;
identifying, by the mobile device, a second icon configured to receive a second user input to perform a second action with respect to the user payment vehicle, the second action corresponding to a service selected from the identified subset of services;
and
presenting, by the mobile device, a second mobile wallet interface including the second icon and not the first icon.

7 more elements

A mobile device, comprising:

a network interface structured to communicate data to and from a mobile wallet computing system;
an input/output structured to exchange data with a user;
and
a mobile wallet circuit structured to:
present, via the input/output, a mobile wallet interface to the user, the mobile wallet interface including a first depiction of a user payment vehicle and a first icon configured to receive a first user input to take a first action with respect to the user payment vehicle, wherein the first action is at least one of engaging in a point of sale transaction using the user payment vehicle, viewing an account balance associated with the user payment vehicle, viewing a transaction history associated with the user payment vehicle, performing an account management function with respect to the user payment vehicle, performing a person-to-person transfer using the user payment vehicle, or engaging in a network transaction using the user payment vehicle;
determine that the first user input has not been received within a predetermined period;
and
update the mobile wallet interface responsive to the determination, wherein the updating includes:
removing the first icon from the mobile wallet interface;
comparing the transaction history associated with the user payment vehicle to transaction histories of a plurality of other mobile wallet users to identify a group of mobile wallet users that is similar to the user;
identifying a subset of services commonly used by the group of mobile wallet users based on mobile wallet usage data associated with the group of mobile wallet users:
identifying a second icon configured to receive a second user input to perform a second action with respect to the user payment vehicle, the second action corresponding to a service selected from the identified subset of services;
and
presenting, by the input/output, an updated mobile wallet interface to the user, the updated mobile wallet interface including the second icon.

11 more elements

A non-transitory computer readable media having computer-executable instructions embodied therein that, when executed by a processor of a mobile device, cause the processor to perform the following operations:

presenting a mobile wallet interface to a user, the mobile wallet interface including a first depiction of a user payment vehicle and a first icon configured to receive a first user input to take a first action with respect to the user payment vehicle, wherein the first action is at least one of engaging in a point of sale transaction using the user payment vehicle, viewing an account balance associated with the user payment vehicle, viewing a transaction history associated with the user payment vehicle, performing an account management function with respect to the user payment vehicle, performing a person-to-person transfer using the user payment vehicle, or engaging in a network transaction using the user payment vehicle;
determining that the first user input has not been received within a predetermined period;
and
updating the mobile wallet interface responsive to the determination, wherein the updating of the mobile wallet parameters includes:
removing the first icon from the mobile wallet interface;
comparing the transaction history associated with the user payment vehicle to transaction histories of a plurality of other mobile wallet users to identify a group of mobile wallet users that is similar to the user;
identifying a subset of services commonly used by the group of mobile wallet users based on mobile wallet usage data associated with the group of mobile wallet users;
identifying a second icon configured to receive a second user input to perform a second action with respect to the user payment vehicle, the second action corresponding to a service selected from the identified subset of services;
and
presenting a second mobile wallet interface including the second icon and not the first icon.

7 more elements

Dependencies are inferred from the claim text.

Facts

Application: 15/604,357Filed 24 May 2017 · us provisional application
Priority: 14 Feb 2017
Granted: 1 Dec 2020
Term ends: Not estimatedThe source records don’t support an estimate.

Classification18 codes

G06Q 20/325
Using wireless devices: using wireless networks
G06Q 10/42
Business processes related to social networking or social networking services: determination of affinities or common interests between users
G06Q 20/20
Payment architectures: point-of-sale [POS] network systems
G06Q 20/223
Payment schemes or models: based on the use of peer-to-peer networks