Mark E Matthews

US Patent:

20170243206, Aug 24, 2017

Filed:

Oct 12, 2015

Appl. No.:

15/308482

Inventors:

- Bentonville AR, US
Eytan Daniyalzade - San Francisco CA, US
Prasanna Rajendran - Bentonville AR, US
Charles David Berry - Fayetteville AR, US
David Martin Nelms - Rogers AR, US
Daniel Eckert - Rogers AR, US
Mark Matthews - Rogers AR, US

International Classification:

G06Q 20/38
G06Q 20/20
G06Q 20/32
G06Q 20/36

Abstract:

Provided are common user experience for a mobile wallet system and methods. The system may include generally a mobile application operated on a mobile device, a mobile backend, a wallet broker, a point of sale (“POS”), and authorizer(s). The system allows a customer to receive encoded/encrypted data by scanning a code, or by receiving a wireless message, such as a Bluetooth low energy transmission or a near field communication, regardless of the mobile application or operating system. Mobile backend systems translate the messages so the customer does not have to do something different for different mobile applications. The system may alternatively allow a cashier to scan a participating mobile application's code such as a QR code/barcode. Mobile backend systems determine which wallet to communicate with and does so on the POS behalf. The POS is isolated from complexities of integrating with different mobile applications and corresponding backend systems.