System and method for a mobile wallet

US8930271B1 · kind B1 · utility

Assignee

• Wells Fargo Bank, N.A. · US

Inventors

• Stephen M. Ellis · San Francisco, US
• Michael J. Kennedy · San Francisco, US
• Ashish B. Kurani · Hillsborough, US
• Melissa Lowry · San Francisco, US
• Uma Meyyappan · Fremont, US
• Bipin Sahni · Pleasanton, US
• Nikolai Stroke · Gilbert, US

Key dates

• Filing date: Apr 25, 2012
• Grant date: Jan 6, 2015
• Expiry date: Sep 10, 2032

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/0267
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A computer-implemented system and method for providing offers to a mobile device includes receiving at least one offer from at least one merchant at an offer computer system and determining, by the offer computer system, an offer to present on the mobile device based on at least one characteristic of a user of the mobile device, the offer providing the user a discount from a price of a product or service. The method includes receiving a request for a code to provide to a merchant, the code being generated for the mobile device that belongs to the user. The method includes receiving, from a mobile device, an indication from the user to use the offer and sending, by the offer computer system, to the mobile device an offer code to be displayed on the mobile device to be received by a merchant.