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US 11,443,301 B1Granted
Sending secure proxy elements with mobile wallets
AssigneeWells Fargo Bank, N.A.
InventorsThomas Hayes, Joon Maeng, Ramanathan Ramanathan
Life of this patent
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AssigneeWells Fargo Bank, N.A.
InventorsThomas Hayes, Joon Maeng, Ramanathan Ramanathan
Estimating the term…
Various examples are directed to systems and methods for securely sending and using proxy element in a mobile wallet system. Through a user interface associated with a proxy originator wallet, user input may be received that defines the parameters of the proxy element. The parameters may include one or more of a spending limit, a time duration, a use number condition, and a transfer condition, and a product condition. A request may be sent from the proxy originator wallet to a proxy approver system to create the proxy element. The originator wallet may receive a proxy grant acknowledgement from the proxy approver system. The grant acknowledgement may instructions for obtaining credentials for the proxy element. The proxy element including the parameters and the instructions for obtaining credentials may be sent to a mobile wallet of a recipient. The recipient mobile wallet may use the proxy element for payment or non-payment transactions.
A method of paying for a transaction using a helper mobile wallet application, the method comprising:
A system of paying for a transaction using a helper mobile wallet application, the system comprising:
A non-transitory machine-readable medium for paying for a transaction using a helper mobile wallet application, the non-transitory machine-readable medium storing instructions, which when executed by a machine, causes the machine to perform operations comprising:
Dependencies are inferred from the claim text.