# US 2013/0159080 A1 · System and Method for Mobile Device-Based Smart Wallet > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2013/0159080 A1 - Document ID: US20130159080A1 - Status: Published application - Kind: A1 - Application number: 13/329,263 - Filed: 2011-12-17 - Published: 2013-06-20 - Earliest claimed: 2011-12-17 - Assignees: LaShou Group Inc. - Inventors: Bo Wu; Yuhong Xiong - Web page: https://patentgrep.com/patent/US20130159080A1 ## CPC - G06Q 30/02: Marketing; Price estimation or determination; Fundraising - G06Q 20/20: Point-of-sale [POS] network systems - G06Q 20/3276: {using a pictured code, e.g. barcode or QR-code, being read by the M-device} - G06Q 20/36: using electronic wallets or electronic money safes - G06Q 30/0234: Rebates after completed purchase - G06Q 30/0601: Electronic shopping [e-shopping] - G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes - 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 A method for conducting a payment transaction using a smart wallet is proposed. The smart wallet accepts financial account information input by a consumer. The smart wallet stores the financial account information and transmits the financial account information to a smart wallet management server. When the consumer shops at a store, the smart wallet displays a list of merchandise purchased at the store and a total payment amount of the purchased merchandise. The smart wallet also provides a recommendation for making the payment amount. Finally, the smart wallet transmits a payment request to the smart wallet management server such that the payment is authorized and the payment transaction is completed. In one embodiment, the smart wallet can be used as a key to access shared mailboxes, resulting in significant improvement on package delivery operations for both couriers and consumers. ## Claims ### Claim 1 A method for conducting a payment transaction using a smart wallet, the method comprising: accepting financial account information input by a consumer, wherein the financial account information includes a financial institution name, an account number and an access password; storing the financial account information and transmitting the financial account information to a smart wallet management server; obtaining and displaying a list of merchandise purchased at a store and a total payment amount for the purchased merchandise; providing a recommendation for making the payment amount; and transmitting a payment request to the smart wallet management server. ### Claim 2 (depends on 1) The method of claim 1, wherein the obtaining involves taking a photo of a barcode image that is generated from a point of sale (POS) device at the store and scanning the barcode image. ### Claim 3 (depends on 2) The method of claim 2, wherein the barcode image contains a two-dimensional Quick Response (QR) code. ### Claim 4 (depends on 1) The method of claim 1, wherein the recommendation involves analyzing the payment amount, the financial account information, and consumer transaction history information. ### Claim 5 (depends on 4) The method of claim 4, wherein the financial account information used for recommendation analysis further includes an account balance, a credit limit, an interest rate, and a rewards policy. ### Claim 6 (depends on 4) The method of claim 4, wherein the consumer transaction history information used for recommendation analysis includes fixed payments, previous purchase transactions, and spending patterns. ### Claim 7 (depends on 1) The method of claim 1, further comprising: acquiring a coupon of a promotion product or service from a smart wallet management server website or from a merchant website; and redeeming the coupon during purchasing the promotion product or service at the store. ### Claim 8 (depends on 1) The method of claim 1, further comprising: storing the payment transaction and synchronizing the consumer transaction history information with the smart wallet management server. ### Claim 9 A method for managing smart wallet applications, the method comprising: storing and updating a plurality of smart wallet consumer accounts, wherein each consumer account comprises a personal profile, financial account information, and transaction history information; receiving a payment request for a specific payment amount transmitted from a smart wallet application by a consumer; and recommending a payment method to the consumer and authorizing a selected payment method. ### Claim 10 (depends on 9) The method of claim 9, wherein the recommending involves analyzing the specific payment amount with the financial account information and the transaction history information of the consumer. ### Claim 11 (depends on 10) The method of claim 10, wherein the financial account information used for recommendation analysis further includes an account balance, a credit limit, an interest rate, and a reward policy. ### Claim 12 (depends on 10) The method of claim 10, wherein the transaction history information used for recommendation analysis includes fixed payments, previous purchase transactions, and spending patterns. ### Claim 13 (depends on 9) The method of claim 9, further comprising: storing and updating a plurality of merchant accounts, wherein each merchant account comprises a merchant profile, point of sale device information, and coupon information. ### Claim 14 (depends on 9) The method of claim 9, further comprising: transmitting a coupon to the smart wallet application based on the personal profile and the transaction history information of the consumer. ### Claim 15 (depends on 9) The method of claim 9, further comprising: receiving a coupon search request from the consumer; and searching coupons from the coupon information based on the coupon search request. ### Claim 16 (depends on 9) The method of claim 9, wherein the authorizing involves forwarding the payment amount with the selected payment method and receiving a payment confirmation from a financial institution server. ### Claim 17 A method of providing delivery via public mailboxes, the method comprising: receiving delivery information transmitted from a mobile device of a delivery personnel; and transmitting a delivery notification to a smart wallet application of a consumer based on the received delivery information, wherein the delivery notification comprises a mailbox address, a mailbox number, and a security code, and wherein the security code is used by the consumer to open a mailbox with the mailbox number located at the mailbox address. ### Claim 18 (depends on 17) The method of claim 17, wherein opening the mailbox involves transmitting the security code to the mailbox using near field communication technology. ### Claim 19 (depends on 17) The method of claim 17, wherein opening the mailbox involves inputting the security code onto a keypad of the mailbox. ### Claim 20 (depends on 17) The method of claim 17, wherein the mailbox is used for a first delivery to a first consumer, and wherein the same mailbox is used for a second delivery to a second consumer.