US 2014/0006276 A1Published application

Mobile wallet account number differentiation

AssigneeBank of America Corporation

InventorsDavid M. Grigg, Alicia C. Jones, Laura Corinne Bondesen, Peter John Bertanzetti, Steven M. Twombly

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Abstract

Embodiments of the invention include systems, methods, and computer-program products for providing a mobile wallet account number associated with all of the payment devices on a mobile wallet. In this way, if the mobile wallet it misplaced, the user may not have to cancel and re-open each of the payment devices on the mobile wallet. The cancelling and re-opening process may be time consuming and effect other automatic transactions associated with the payment devices. The system provides a mobile wallet account number to a merchant and the merchant may process the transaction using that account number. Subsequently, the system may associate the mobile wallet account number with a payment device and apply the transaction to that payment device.

Claims24

Dependent claims

A system for providing a mobile wallet account number, the system comprising:

a memory device with computer-readable program code stored thereon;
a communication device;
a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute the computer-readable program code to:
receive an indication that a user has activated a mobile wallet, wherein the mobile wallet comprises one or more payment devices;
receive data associated with each of the one or more payment devices associated with the mobile wallet, wherein the data includes the payment devices account number;
create a mobile wallet account number for the one or more payment devices;
store the mobile wallet account number in association with the payment device account number for each of the one or more payment devices;
receive an indication that the user is entering into a transaction using the mobile wallet, wherein the transaction comprises presenting the mobile wallet and mobile wallet account number to a merchant;
determine the one or more payment devices associated with the mobile wallet account number;
and
apply the transaction to an appropriate payment device account.

8 more elements

A computer program product for providing a mobile wallet account number, the computer program product comprising at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:

an executable portion configured for receiving an indication that a user has activated a mobile wallet, wherein the mobile wallet comprises one or more payment devices;
an executable portion configured for receiving data associated with each of the one or more payment devices associated with the mobile wallet, wherein the data includes the payment devices account number;
an executable portion configured for creating a mobile wallet account number for the one or more payment devices;
an executable portion configured for storing the mobile wallet account number in association with the payment device account number for each of the one or more payment devices;
an executable portion configured for receiving an indication that the user is entering into a transaction using the mobile wallet, wherein the transaction comprises presenting the mobile wallet and mobile wallet account number to a merchant;
an executable portion configured for determining the one or more payment devices associated with the mobile wallet account number;
and
an executable portion configured for applying the transaction to an appropriate payment device account.

5 more elements

A computer-implemented method for providing a mobile wallet account number, the method comprising:

providing a computing system comprising a computer processing device and a non-transitory computer readable medium, where the computer readable medium comprises configured computer program instruction code, such that when said instruction code is operated by said computer processing device, said computer processing device performs the following operations:
receiving an indication that a user has activated a mobile wallet, wherein the mobile wallet comprises one or more payment devices;
receiving data associated with each of the one or more payment devices associated with the mobile wallet, wherein the data includes the payment devices account number;
creating, via a processing device, a mobile wallet account number for the one or more payment devices;
storing the mobile wallet account number in association with the payment device account number for each of the one or more payment devices;
receiving an indication that the user is entering into a transaction using the mobile wallet, wherein the transaction comprises presenting the mobile wallet and mobile wallet account number to a merchant;
determining the one or more payment devices associated with the mobile wallet account number;
and
applying the transaction to an appropriate payment device account.

6 more elements

Dependencies are inferred from the claim text.