# US 11,443,301 B1 · Sending secure proxy elements with mobile wallets > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 11,443,301 B1 - Document ID: US11443301B1 - Status: Granted - Kind: B1 - Application number: 17/301,585 - Filed: 2021-04-08 - Granted: 2022-09-13 - Earliest claimed: 2016-12-16 - Assignees: Wells Fargo Bank, N.A. - Applicants: Wells Fargo Bank, N.A. - Inventors: Thomas Hayes; Joon Maeng; Ramanathan Ramanathan - Web page: https://patentgrep.com/patent/US11443301B1 ## CPC - G06Q 20/367: {involving electronic purses or money safes} - G06Q 20/326: {Payment applications installed on the mobile devices} - G06Q 20/327: {Short range or proximity payments by means of M-devices} - G06Q 20/3674: {involving authentication} - G06Q 20/3825: {Use of electronic signatures} - G06Q 20/3827: {Use of message hashing} - G06Q 20/3829: {involving key management} - G06Q 20/386: {using messaging services or messaging apps (using mobile network messaging services for payment, e.g. SMS G06Q20/3255)} - G06Q 20/387: {Payment using discounts or coupons (relating to marketing G06Q30/02)} - G06Q 20/40: 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 - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract 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. ## Claims ### Claim 1 A method of paying for a transaction using a helper mobile wallet application, the method comprising: registering a second mobile wallet application executing on a second computing device as a helper application for a first mobile wallet application executing on a first computing device; responsive to registering the second mobile wallet application, establishing a real-time video communication session between the first mobile wallet application executing on the first computing device and the second mobile wallet application executing on the second computing device; selecting, by a user of the second mobile wallet application, during the real-time video communication session, a payment element of the second mobile wallet application; and establishing a communication bridge formed by a near-field communication link between the first mobile wallet application and a point of sale terminal at a location of a user of the first mobile wallet application; communicating the payment element directly from the second mobile wallet application, to the point-of-sale terminal by sending payment information of the payment element to the point-of-sale terminal using the communication bridge. ### Claim 2 (depends on 1) The method of claim 1, wherein the real-time video communications session comprises transmitting images taken by one or more cameras of the first computing device. ### Claim 3 (depends on 1) The method of claim 1, wherein the real-time video communications session comprises transmitting images of products. ### Claim 4 (depends on 1) The method of claim 1, wherein the real-time video communications session comprises transmitting images of the user of the first mobile wallet application and the second mobile wallet application. ### Claim 5 (depends on 1) The method of claim 1, further comprising: establishing a second real-time video communication session between the first mobile wallet application executing on the first computing device and the second mobile wallet application executing on the second computing device; selecting, by the user of the second mobile wallet application, the payment element; creating a loaner payment element, the loaner payment element being different than the payment element but being funded by a same source as the payment element; and communicating the loaner payment element to the first mobile wallet application for completing a payment transaction. ### Claim 6 (depends on 5) The method of claim 5, wherein creating the loaner payment element comprises the user of the second mobile wallet application choosing whether the loaner payment element is divisible or indivisible, an indivisible payment element usable by one mobile wallet application at a same time. ### Claim 7 (depends on 5) The method of claim 5, wherein creating the loaner payment element comprises requesting permission from an issuer of the payment element. ### Claim 8 A system of paying for a transaction using a helper mobile wallet application, the system comprising: one or more processors; a memory, the memory storing instructions, which when executed by the one or more processors, cause the one or more processors to perform operations comprising: registering a second mobile wallet application executing on a second computing device as a helper application for a first mobile wallet application executing on a first computing device; responsive to registering the second mobile wallet application, establishing a real-time video communication session between the first mobile wallet application executing on the first computing device and the second mobile wallet application executing on the second computing device; selecting, by a user of the second mobile wallet application, during the real-time video communication session, a payment element of the second mobile wallet application; and establishing a communication bridge formed by a near-field communication link between the first mobile wallet application and a point of sale terminal at a location of a user of the first mobile wallet application; communicating the payment element directly from the second mobile wallet application, to the point-of-sale terminal by sending payment information of the payment element to the point-of-sale terminal using the communication bridge. ### Claim 9 (depends on 8) The system of claim 8, wherein the real-time video communications session comprises transmitting images taken by one or more cameras of the first computing device. ### Claim 10 (depends on 8) The system of claim 8, wherein the real-time video communications session comprises transmitting images of products. ### Claim 11 (depends on 8) The system of claim 8, wherein the real-time video communications session comprises transmitting images of the user of the first mobile wallet application and the second mobile wallet application. ### Claim 12 (depends on 8) The system of claim 8, wherein the operations further comprise: establishing a second real-time video communication session between the first mobile wallet application executing on the first computing device and the second mobile wallet application executing on the second computing device; selecting, by the user of the second mobile wallet application, the payment element; creating a loaner payment element, the loaner payment element being different than the payment element but being funded by a same source as the payment element; and communicating the loaner payment element to the first mobile wallet application for completing a payment transaction. ### Claim 13 (depends on 12) The system of claim 12, wherein the operations of creating the loaner payment element comprises the user of the second mobile wallet application choosing whether the loaner payment element is divisible or indivisible, an indivisible payment element usable by one mobile wallet application at a same time. ### Claim 14 (depends on 12) The method of claim 12, wherein the operations of creating the loaner payment element comprises requesting permission from an issuer of the payment element. ### Claim 15 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: registering a second mobile wallet application executing on a second computing device as a helper application for a first mobile wallet application executing on a first computing device; responsive to registering the second mobile wallet application, establishing a real-time video communication session between the first mobile wallet application executing on the first computing device and the second mobile wallet application executing on the second computing device; selecting, by a user of the second mobile wallet application, during the real-time video communication session, a payment element of the second mobile wallet application; and establishing a communication bridge formed by a near-field communication link between the first mobile wallet application and a point of sale terminal at a location of a user of the first mobile wallet application; communicating the payment element directly from the second mobile wallet application, to the point-of-sale terminal by sending payment information of the payment element to the point-of-sale terminal using the communication bridge. ### Claim 16 (depends on 15) The non-transitory machine-readable medium of claim 15, wherein the real-time video communications session comprises transmitting images taken by one or more cameras of the first computing device. ### Claim 17 (depends on 15) The non-transitory machine-readable medium of claim 15, wherein the real-time video communications session comprises transmitting images of products. ### Claim 18 (depends on 15) The non-transitory machine-readable medium of claim 15, wherein the real-time video communications session comprises transmitting images of the user of the first mobile wallet application and the second mobile wallet application. ### Claim 19 (depends on 15) The non-transitory machine-readable medium of claim 15, wherein the operations further comprise: establishing a second real-time video communication session between the first mobile wallet application executing on the first computing device and the second mobile wallet application executing on the second computing device; selecting, by the user of the second mobile wallet application, the payment element; creating a loaner payment element, the loaner payment element being different than the payment element but being funded by a same source as the payment element; and communicating the loaner payment element to the first mobile wallet application for completing a payment transaction. ### Claim 20 (depends on 19) The non-transitory machine-readable medium of claim 19, wherein the operations of creating the loaner payment element comprises the user of the second mobile wallet application choosing whether the loaner payment element is divisible or indivisible, an indivisible payment element usable by one mobile wallet application at a same time.