EP1077419A2
Expired / Lapsed
EP
⏱️ 0.0 years remaining
System and method for use of distributed electronic wallets
Assignee: Citibank NA
•
Filing: 2000-08-16
•
Granted: —
•
Expires: 2020-08-16
Abstract
Abstract Methods and systems whereby two electronic wallets communicate and exchange information. In one such system, a consumer's personal electronic wallet communicates with the exclusive or preferred wallet of a web merchant. In one such system, an internet consumer registers with a web merchant's exclusive or preferred electronic wallet ("merchant wallet") and provides consumer information (e.g., credit card number, mailing address, and other information) to the merchant wallet, which is stored by the merchant wallet in a database on the merchant server. Such information may be automatically populated by the consumer's personal electronic wallet. The consumer maintains current consumer information in a consumer electronic wallet on the consumer's personal computer. When the consumer visits the merchant site again, and orders goods or services, the merchant's preferred wallet can be automatically updated by the consumer's electronic wallet if any of the data in the merchant's wallet has changed. For example, the consumer wallet examines the information in the merchant wallet to determine if the information in the merchant wallet conforms to the current information in the consumer wallet. If the information does not conform, the consumer wallet communicates the current consumer information to the merchant wallet.
Inventors
- 👤 Daniel Schutzer
Bibliographic Details
Application Number
—
Jurisdiction
EP
Data Source
google_patents
Last Synchronized
2026-10-25 08:47
CPC Classifications
G; G06; G06Q; G06Q30/00; G06Q30/06
Claims Analysis
Total Claims: 44
Claim 1
Independent Claim
61 words
A method of carrying out transactions on the internet using distributed electronic
wallets, comprising: receiving an indication that an internet user wishes to finalize a transaction with a
web merchant; presenting a first electronic wallet associated with the web merchant; and automatically receiving in the first electronic wallet updated consumer information
from a second electronic wallet associated with the internet user.
Claim 2
Dependent Claim
19 words
The method of claim 1 wherein the first electronic wallet resides on a web server
associated with the merchant.
Claim 3
Dependent Claim
20 words
The method of claim 2 wherein the second electronic wallet resides on a personal
computer associated with the internet user.
Claim 4
Dependent Claim
15 words
The method of claim 2 wherein the second electronic wallet resides on a web
server.
Claim 5
Dependent Claim
15 words
The method of claim 4 wherein the web server is associated with a third party.
Claim 6
Dependent Claim
18 words
The method of claim 3 wherein the second electronic wallet comprises an
application residing on the personal computer.
Claim 7
Dependent Claim
18 words
The method of claim 3 wherein the first electronic wallet comprises the preferred
electronic wallet of the merchant.
Claim 8
Dependent Claim
18 words
The method of claim 3 wherein the first electronic wallet comprises the exclusive
electronic wallet of the merchant.
Claim 9
Dependent Claim
11 words
The method of claim 3 further comprising identifying the internet user.
Claim 10
Dependent Claim
22 words
The method of claim 3 wherein the step of identifying the internet user comprises
accessing a cookie present in the personal computer.
Claim 11
Dependent Claim
25 words
The method of claim 3 wherein the step of identifying the internet user comprises
receiving a user name and password associated with the internet user.
Claim 12
Dependent Claim
22 words
The method of claim 9 further comprising accessing stored consumer data
associated with the internet user previously provided by the internet user.
Claim 13
Dependent Claim
17 words
The method of claim 12 further comprising comparing the stored consumer data
with the updated consumer information.
Claim 14
Dependent Claim
17 words
The method of claim 12 further comprising populating the first electronic wallet
with the stored consumer data.
Claim 15
Dependent Claim
15 words
The method of claim 14 wherein the second electronic wallet accesses the updated
consumer information.
Claim 16
Dependent Claim
15 words
The method of claim 3 wherein the second electronic wallet comprises a personal
digital assistant.
Claim 17
Dependent Claim
13 words
The method of claim 3 wherein the second electronic wallet comprises a
telephone.
Claim 18
Dependent Claim
12 words
The method of claim 17 wherein the telephone comprises a portable telephone.
Claim 19
Dependent Claim
13 words
The method of claim 18 wherein the portable telephone comprises a cellular
telephone.
Claim 20
Dependent Claim
17 words
The method of claim 3 further comprising communicating a request for payment
from a financial payment engine.
Claim 21
Independent Claim
122 words
A method of carrying out transactions on the internet using distributed electronic
wallets, comprising: identifying an internet consumer accessing a web site of a merchant; accessing consumer data associated with the internet consumer previously
provided by the internet consumer and stored in a database; receiving an indication that the internet consumer wishes to finalize payment
associated with a web site transaction at the web site of the merchant; presenting a first electronic wallet having the consumer data associated with the
internet consumer populated in the first electronic wallet; and automatically receiving in the first electronic wallet updated consumer information
from a second electronic wallet, wherein the second electronic wallet comprises an
electronic wallet on the consumer's computer having the updated consumer information.
Claim 22
Dependent Claim
19 words
The method of claim 21 wherein the first electronic wallet comprises a preferred
electronic wallet accepted by the merchant.
Claim 23
Dependent Claim
19 words
The method of claim 21 wherein the first electronic wallet comprises an exclusive
electronic wallet accepted by the merchant.
Claim 24
Dependent Claim
17 words
The method of claim 21 further comprising communicating a request for payment
from a financial payment engine.
Claim 25
Independent Claim
67 words
A system for carrying out transactions on the internet using distributed electronic
wallets, comprising: means for receiving an indication that an internet user wishes to finalize a
transaction with a web merchant; means for presenting a first electronic wallet associated with the web merchant;
and means for automatically receiving in the first electronic wallet updated consumer
information from a second electronic wallet associated with the internet user.
Claim 26
Dependent Claim
19 words
The system of claim 25 wherein the first electronic wallet resides on a web server
associated with the merchant.
Claim 27
Dependent Claim
20 words
The system of claim 26 wherein the second electronic wallet resides on a personal
computer associated with the internet user.
Claim 28
Dependent Claim
15 words
The system of claim 26 wherein the second electronic wallet resides on a web
server.
Claim 29
Dependent Claim
15 words
The system of claim 28 wherein the web server is associated with a third party.
Claim 30
Dependent Claim
18 words
The system of claim 27 wherein the second electronic wallet comprises an
application residing on the personal computer.
Claim 31
Dependent Claim
18 words
The system of claim 26 wherein the first electronic wallet comprises the preferred
electronic wallet of the merchant.
Claim 32
Dependent Claim
18 words
The system of claim 26 wherein the first electronic wallet comprises the exclusive
electronic wallet of the merchant.
Claim 33
Dependent Claim
13 words
The system of claim 27 further comprising means for identifying the internet user.
Claim 34
Dependent Claim
24 words
The system of claim 27 wherein the means for identifying the internet user
comprises means for accessing a cookie present in the personal computer.
Claim 35
Dependent Claim
27 words
The system of claim 27 wherein the means for identifying the internet user
comprises means for receiving a user name and password associated with the internet
user.
Claim 36
Dependent Claim
24 words
The system of claim 33 further comprising means for accessing stored consumer
data associated with the internet user previously provided by the internet user.
Claim 37
Dependent Claim
19 words
The system of claim 36 further comprising means for comparing the stored
consumer data with the updated consumer information.
Claim 38
Dependent Claim
19 words
The system of claim 36 further comprising means for populating the first
electronic wallet with the stored consumer data.
Claim 39
Dependent Claim
17 words
The system of claim 38 wherein the second electronic wallet has access to the
updated consumer information.
Claim 40
Dependent Claim
15 words
The system of claim 27 wherein the second electronic wallet comprises a personal
digital assistant.
Claim 41
Dependent Claim
13 words
The system of claim 27 wherein the second electronic wallet comprises a
telephone.
Claim 42
Dependent Claim
12 words
The system of claim 41 wherein the telephone comprises a portable telephone.
Claim 43
Dependent Claim
13 words
The system of claim 42 wherein the portable telephone comprises a cellular
telephone.
Claim 44
Dependent Claim
19 words
The system of claim 27 further comprising means for communicating a request for
payment from a financial payment engine.
References Cited (Backward Citations)
No citation records indexed.
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