Multi channel purchasing for interoperable mobile wallet
US10346834B1 · kind B1 · utility
Assignee
Inventors
Key dates
| Filing date | Dec 27, 2016 |
| Grant date | Jul 9, 2019 |
| Priority date | — |
| Expiry date | Dec 27, 2036 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q30/0241
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A computer-implemented system and method that includes receiving, by a mobile wallet bank computer system, a product code that identifies a product after a user of a mobile device has been authenticated, determining, by the mobile wallet bank computer system, the identity of a merchant from a plurality of merchants based on at least a portion of the product code, sending, by the mobile wallet bank computer system, the received product code to a merchant computer, sending, by the mobile wallet bank computer system, information regarding the product and merchant bank information, and transferring, by the mobile wallet device, a payment for the product to a merchant bank from an account held by the user based on the information sent.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.