# US 2014/0195423 A1 · Digital wallet server

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- Number: US 2014/0195423 A1
- Document ID: US20140195423A1
- Status: Published application
- Kind: A1
- Application number: 13/737,729
- Filed: 2013-01-09
- Published: 2014-07-10
- Earliest claimed: 2013-01-09
- Assignees: Patent Category Corp.
- Inventors: Yu ZHENG; Felix SUI
- Web page: https://patentgrep.com/patent/US20140195423A1

## CPC

- G06Q 20/105: {involving programming of a portable memory device, e.g. IC cards, "electronic purses"}
- G06Q 20/047: {using payment protocols involving electronic receipts}
- G06Q 20/351: {Virtual cards}
- G06Q 20/36: using electronic wallets or electronic money safes
- 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 digital wallet serves as a virtual wallet for all of the credit cards of a user. The digital wallet can be extended to other types of spending cards. Spending limits can be set for individual cards, as well as global limits. The user may setup an eCard on behalf of a recipient, where the eCard has a spending limit and the master account can view eCard transactions. Digital receipt management is provided to aid a user to organize receipts. Techniques to use a temporary code to improve the security of verifying a user is also disclosed.

## Claims

### Claim 1

A method of providing a digital wallet function, comprising:
storing, in a digital wallet server, information for each of the credit cards of a user of a digital wallet;
receiving, at the digital wallet server, a selection from the user of a particular credit card to make a payment for a transaction; and
generating a digital receipt for the transaction for the user and a payment confirmation for a vendor associated with the transaction.

### Claim 2 (depends on 1)

The method of claim 1, further comprising storing a photo of the user and using the photo to confirm the identity of the user for the transaction.

### Claim 3 (depends on 2)

The method of claim 2, wherein the photo is provided to the vendor.

### Claim 4 (depends on 2)

The method of claim 2, wherein the photo is compared with a photo of the user taken at a point of sale.

### Claim 5 (depends on 1)

The method of claim 1, further comprising receiving from the user spending limits for each credit card and enforcing the spending limits.

### Claim 6 (depends on 1)

The method of claim 1, further comprising providing the user with a recommendation for which credit card to pay a transaction.

### Claim 7 (depends on 1)

The method of claim 1, further comprising receiving funding information and recipient information from the user to generate a virtual credit card for a recipient.

### Claim 8 (depends on 7)

The method of claim 7, wherein the funding information includes a spending limit.

### Claim 9 (depends on 7)

The method of claim 7, further comprising:
generating digital receipts for purchases made by the recipient; and
providing the user access to the digital receipts.

### Claim 10 (depends on 8)

The method of claim 8, further comprising providing the user with a notification when the available funds have decreased to a threshold level relative to the spending limit.

### Claim 11 (depends on 1)

The method of claim 1, further comprising:
providing a time-sensitive temporary code to the client device of the user for the transaction;
determining if a code received from a vendor matches the time-sensitive temporary code; and
providing a verification to the client device in response to a match.

### Claim 12 (depends on 11)

The method of claim 11, further comprising receiving an order confirmation from the user and generating a digital receipt.

### Claim 13 (depends on 1)

The method of claim 1, further comprising organizing digital receipts in a digital receipt repository on customizable categories.

### Claim 14 (depends on 13)

The method of claim 13, further comprising receiving funds from the user, generating a credit for the user to perform a withdrawal of cash from an automated teller machine (ATM) or a fund transfer to a recipient account.

### Claim 15 (depends on 1)

The method of claim 1, further comprising storing information on debit cards and discount cards of the user.

### Claim 16

A system for providing a digital wallet function at a client device, comprising:
a digital wallet server including a processor and a memory, the server storing information for each of the credit cards of a user of a digital wallet; and
the digital wallet server configured to receive a selection from the user of a particular credit card to make a payment for a transaction, generate a digital receipt for the transaction for the user, and generate a payment confirmation for a vendor associated with the transaction.

### Claim 17 (depends on 16)

The system of claim 16, wherein the digital wallet server stores a photo of the user and using the photo to confirm the identity of the user for the transaction.

### Claim 18 (depends on 17)

The system of claim 17, wherein the digital wallet server provides the photo to the vendor.

### Claim 19 (depends on 17)

The system of claim 17, wherein the digital wallet server compares the stored photo with a photo of the user taken at a point of sale.

### Claim 20 (depends on 16)

The system of claim 16, further comprising the digital wallet server enforcing consumer-selected spending limits for credit cards.

### Claim 21 (depends on 16)

The system of claim 16, wherein the digital wallet server provides the user with a recommendation for which credit card to pay a transaction.

### Claim 22 (depends on 16)

The system of claim 16, further comprising the digital wallet server configured to receive funding information and recipient information from the user to generate a virtual credit card for a recipient.

### Claim 23 (depends on 22)

The system of claim 22, wherein the funding information includes a spending limit.

### Claim 24 (depends on 22)

The system of claim 22, wherein the digital wallet server is configured to:
generate digital receipts for purchases made by the recipient; and
provide the user access to the digital receipts.

### Claim 25 (depends on 23)

The system of claim 23, further comprising the digital wallet server configured to provide the user with a notification when the available funds have decreased to a threshold level relative to the spending limit.

### Claim 26 (depends on 16)

The system of claim 16, further comprising the digital wallet server configured to:
provide a time-sensitive temporary code to the client device of the user for the transaction;
determine if a code received from a vendor matches the time-sensitive temporary code; and
provide a verification to at least the client device in response to a match.

### Claim 27 (depends on 16)

The system of claim 16, further comprising the digital wallet server configured to receive an order confirmation from the user and generate a digital receipt.

### Claim 28 (depends on 16)

The system of claim 16, further comprising the digital wallet server configured to organize digital receipts in a digital receipt repository in user-customizable categories.

### Claim 29 (depends on 16)

The system of claim 16, further comprising the digital wallet server configured to receive funds from the user, generate a credit for the user to perform a withdrawal of cash from an automated teller machine (ATM) or a fund transfer to a recipient account.

### Claim 30 (depends on 16)

The system of claim 16, further comprising the digital wallet server storing information on debit cards and discount cards of the user.

### Claim 31

A non-transitory computer readable storage medium comprising computer readable instructions that when executed on a processor implement a method, comprising:
storing, in a digital wallet server, information for each of the credit cards of a user of a digital wallet;
receiving, at the digital wallet server, a selection from the user of a particular credit card to make a payment for a transaction; and
generating a digital receipt for the transaction for the user and a payment confirmation for a vendor associated with the transaction.