US 11,769,136 B1Granted

Transient mobile wallets

AssigneeWells Fargo Bank, N.A.

InventorJoon Maeng

Life of this patent

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Abstract

A system includes a secondary computing device not owned by a user, a hardware processor, a memory and instructions that cause the processor to generate a transient wallet identifier (ID) for a transient mobile wallet, the transient mobile wallet being of limited duration, and provide a configuration user interface the user, presenting configuration information for the transient mobile wallet. The processor also identifies a usage specification for the transient mobile wallet defining allowed uses for the transient mobile wallet. The processor also activates the transient mobile wallet on the secondary computing device, receives a payment transaction approval request, compares the payment transaction data to the usage specification, determines that the payment transaction data is non-conforming, and transmits a rejection message for the first payment transaction.

Claims20

Dependent claims

A wallet management system comprising:

at least one hardware processor;
a memory storing instructions that, when executed by the at least one hardware processor, cause the at least one hardware processor to perform operations comprising:
receiving, from a primary mobile wallet executing at a first computing device, a request to generate a transient mobile wallet;
generating a transient wallet identifier (ID) for the transient mobile wallet;
providing an activation user interface to the transient mobile wallet executing at a second computing device;
receiving from the transient mobile wallet and through the activation user interface an authentication request including the transient wallet ID;
using the transient wallet ID to access a usage specification for the transient wallet;
responsive to the authentication request, activating the transient mobile wallet on the second computing device for use in payment transactions;
receiving a payment transaction approval request including payment transaction data for a first payment transaction comprising an indication of the transient mobile wallet;
determining that the payment transaction data does not conform to the usage specification;
and
based on the determining, transmitting a rejection message for the first payment transaction.

9 more elements

A machine-readable medium comprising instructions thereon that, when executed by at least one processor, cause the at least one processor to perform operations comprising:

receiving, from a primary mobile wallet executing at a first computing device, a request to generate a transient mobile wallet;
generating a transient wallet identifier (ID) for the transient mobile wallet;
providing an activation user interface to the transient mobile wallet;
receiving from the transient mobile wallet and through the activation user interface an authentication request including the transient wallet ID, the transient mobile wallet executing at a second computing device;
using the transient wallet ID to access a usage specification for the transient wallet;
responsive to the authentication request, activating the transient mobile wallet on a second computing device for use in payment transactions;
receiving a payment transaction approval request including payment transaction data for a first payment transaction comprising an indication of the transient mobile wallet;
determining that the payment transaction data does not conform to the usage specification;
and
based on the determining, transmitting a rejection message for the first payment transaction.

7 more elements

Dependencies are inferred from the claim text.

Facts

Application: 17/248,434Filed 25 Jan 2021 · continuation
Priority: 11 May 2016
Granted: 26 Sep 2023
Term ends: Not estimatedThe source records don’t support an estimate.

Classification10 codes

G06Q 20/3224
Aspects of commerce using mobile devices [M-devices]: transactions dependent on location of M-devices
G06Q 20/3223
Aspects of commerce using mobile devices [M-devices]: realising banking transactions through M-devices
G06Q 20/3278
Short range or proximity payments by means of M-devices: rFID or NFC payments by means of M-devices
G06Q 20/363
Using electronic wallets or electronic money safes: with the personal data of a user