Patent Issued for Systems and methods for digital wallet (USPTO 11195169): United Services Automobile Association

2021 DEC 28 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- From Alexandria, Virginia, NewsRx journalists report that a patent by the inventors Hartman, Wayne Maurice (Pocatello, ID, US), filed on December 21, 2018, was published online on December 7, 2021.

The patent’s assignee for patent number 11195169 is United Services Automobile Association (San Antonio, Texas, United States).

News editors obtained the following quote from the background information supplied by the inventors: “Electronic commerce consists of the buying and selling of products or services over electronic systems such as the Internet and other computer networks. The amount of trade conducted electronically has grown extraordinarily since the spread of the Internet. Modern electronic commerce typically uses the World Wide Web at least at some point in the transaction’s lifecycle, although it can encompass a wider range of technologies such as email.

“A digital wallet (also known as an e-wallet) allows users to make electronic commerce transactions quickly and securely. A digital wallet functions much like a physical wallet and has evolved into a product or service that provides Internet users with a convenient way to store and use online shopping information. Conventional digital wallets provide little functionality for a user beyond storing information that a user can subsequently retrieve and use during an online transaction.”

As a supplement to the background information on this patent, NewsRx correspondents also obtained the inventors’ summary information for this patent: “A digital wallet may be accessed via a plugin on a browser. The digital wallet may store account information pertaining to various accounts of a user. The account information may be related to funding sources, reward programs, loyalty programs, retailers and other merchants, etc.

“In an implementation, the user may drag and drop account information from the digital wallet via the plugin to a checkout page of a merchant or the plugin may automatically recognize and populate a checkout page.

“In an implementation, the plugin may select a funding source based on an analysis of information with respect to rules established by the user. The rules may be directed to which funding sources may be used for particular purchase amounts, may be used at particular merchants, may be used to purchase particular items, etc.

“This summary is provided to introduce a selection of concepts in a simplified form that are further described below in the detailed description. This summary is not intended to identify key features or essential features of the claimed subject matter, nor is it intended to be used to limit the scope of the claimed subject matter.”

The claims supplied by the inventors are:

“1. A non-transitory computer-readable medium comprising computer-readable instructions that when executed by a processor, direct the processor to: store account information for a plurality of funding sources in a digital wallet, the digital wallet stored on a first computing device associated with a user and a second computing device associated with the user, wherein the digital wallet has various levels of authentication based on access to information, wherein the account information includes the plurality of funding sources, reward programs, loyalty programs, membership information, account numbers, personal identification numbers, passwords, and data related to credentials and authentication, wherein the account information is stored only locally on at least one of the first computing device or the second computing device, wherein the digital wallet and the account information are stored locally in an encrypted form; analyze information, pertaining to a content of a web page of a website accessed by the user, with the first computing device to determine if the web page displays a checkout page, shopping cart, payment form, or a form with fields; determine a non-binary confidence level specifying whether content on the web page of the website will use the digital wallet; in response to the non-binary confidence level being at or above a threshold: present a dialogue on the first computing device to request first authentication information to allow the user to access a first level of authentication that unlocks the digital wallet stored on the first computing device, in response to authenticating the user to the first level of authentication, request second authentication information to allow the user to access a second level of authentication that allows payment card information to be accessed, wherein the first and second authentication information are different with respect to each other, in response to authenticating the user to the level allowing the payment card information to be accessed: present a dockable window with a tabbed user interface on the first computing device that includes the plurality of funding sources with information from the digital wallet stored on the first computing device, monitor the shopping cart and an amount of a total purchase, in response to the amount of the total purchase changing, compare the amount of the total purchase to first and second limits, wherein the first and second limits are non-zero and different from each other, in response to the amount of the total purchase being less than the first limit, select a first funding source from the plurality of funding sources, in response to the amount of the total purchase exceeding the first limit, select a second funding source from the plurality of funding sources, in response to the amount of the total purchase exceeding the second limit, select a third funding source from the plurality of funding sources, and populate a plurality of fields on the web page with the selected one or more of the plurality of funding sources, wherein the account information is retrieved from the tabbed user interface, transmit account information associated with the selected one or more of the plurality of funding sources to a merchant computing device; and synchronize the account information stored locally in the digital wallet on the first computing device associated with the user and on the second computing device associated with the user.

“2. The non-transitory computer-readable medium of claim 1, wherein in response to the non-binary confidence level being at or above the threshold, the computer-readable instructions, when executed by the processor, further direct the processor to monitor the website.

“3. The non-transitory computer-readable medium of claim 1, wherein the computer-readable instructions, when executed by the processor, further direct the processor to: receive a request to open the digital wallet prior to analyzing the information pertaining to the content of the web page, wherein the analysis is performed responsive to receiving the request to open the digital wallet.

“4. The non-transitory computer-readable medium of claim 1, wherein the information pertaining to the content of the web page is analyzed with respect to a plurality of rules received from the user of the digital wallet.

“5. The non-transitory computer-readable medium of claim 4, wherein the information pertaining to the content of the web page is further analyzed based on information pertaining to a merchant affiliated with the website.

“6. The non-transitory computer-readable medium of claim 1, wherein the computer-readable instructions, when executed by the processor, further direct the processor to: recommend a funding source of one of the plurality of funding sources.

“7. The non-transitory computer-readable medium of claim 1, wherein the computer-readable instructions, when executed by the processor, further direct the processor to: detect the web page of the website; and in response to detecting the web page of the website, automatically access the digital wallet.

“8. The non-transitory computer-readable medium of claim 1, wherein the non-binary confidence level of the web page is at or above the threshold in response to the web page being the checkout page of the website.

“9. A method comprising: storing account information for a plurality of funding sources in a digital wallet, the digital wallet stored on each of a first computing device associated with a user and a second computing device associated with the user, wherein the digital wallet has various levels of authentication based on access to information, wherein the account information includes the plurality of funding sources, reward programs, loyalty programs, membership information, account numbers, personal identification numbers, passwords, and data related to credentials and authentication, wherein the account information is stored only locally on at least one of the first computing device or the second computing device, wherein the digital wallet and the account information are stored locally in an encrypted form; analyzing information, pertaining to a content of a web page of a website accessed by the user and with the first computing device, by determining one or more of: if the web page displays a checkout page, if the web page displays a shopping cart, if the web page displays a payment form, or if the web page displays a form with fields; determining, by a processor, a non-binary confidence level specifying whether content on the web page of the website will use the digital wallet; in response to the non-binary confidence level being at or above a threshold: presenting a dialogue on the first computing device to request first authentication information to allow the user to access a first level of authentication that unlocks the digital wallet stored on the first computing device, in response to authenticating the user to the first level of authentication, requesting second authentication information to allow the user to access a second level of authentication that allows payment card information to be accessed, wherein the first and second authentication information are different with respect to each other, in response to authenticating the user to the level allowing the payment card information to be accessed: presenting a dockable window with a tabbed user interface on the first computing device that includes the plurality of funding sources with information from the digital wallet stored on the first computing device, monitoring the shopping cart and an amount of a total purchase, in response to the amount of the total purchase changing, comparing the amount of the total purchase to first and second limits, wherein the first and second limits are non-zero and different from each other, in response to the amount of the total purchase being less than the first limit, selecting a first funding source from the plurality of funding sources, in response to the amount of the total purchase exceeding the first limit, selecting a second funding source from the plurality of funding sources, in response to the amount of the total purchase exceeding the second limit, selecting a third funding source from the plurality of funding sources, and populating a plurality of fields on the web page with the selected one or more of the plurality of funding sources, transmitting account information associated with the selected one or more of the plurality of funding sources to a merchant computing device; and synchronizing the account information stored locally in the digital wallet on the first computing device associated with the user and the digital wallet on the second computing device associated with the user.

“10. The method of claim 9, further comprising: in response to the non-binary confidence level being at or above the threshold, monitoring the website.

“11. The method of claim 9, further comprising: receiving a request to open the digital wallet prior to analyzing the information pertaining to the content of the web page, wherein the analysis is performed responsive to receiving the request to open the digital wallet.

“12. The method of claim 9, wherein the information pertaining to the content of the web page is analyzed with respect to a plurality of rules received from the user of the digital wallet.

“13. The method of claim 12, wherein the information pertaining to the content of the web page is further analyzed based on information pertaining to a merchant affiliated with the website.

“14. The method of claim 9, further comprising: detecting the web page of the website; and in response to detecting the web page of the website, automatically accessing the digital wallet.”

There are additional claims. Please visit full patent to read further.

For additional information on this patent, see: Hartman, Wayne Maurice. Systems and methods for digital wallet. U.S. Patent Number 11195169, filed December 21, 2018, and published online on December 7, 2021. Patent URL: http://patft.uspto.gov/netacgi/nph-Parser?Sect1=PTO1&Sect2=HITOFF&d=PALL&p=1&u=%2Fnetahtml%2FPTO%2Fsrchnum.htm&r=1&f=G&l=50&s1=11195169.PN.&OS=PN/11195169RS=PN/11195169

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