(19) United States
`(12) Patent Application Publication (10) Pub. No.: US 2009/0288012 A1
`(43) Pub. Date:
`Nov. 19, 2009
`Hertel et al.
`
`US 200902880 12A1
`
`(54) SECURED ELECTRONIC TRANSACTION
`SYSTEM
`
`(75) Inventors:
`
`Philipp Frank Hermann Udo
`Hertel, Victoria (CA); Alexander
`Wolfgang Karl Kurt Hertel,
`Victoria (CA); John David Trevor
`Graham, Victoria (CA); Mark
`Braverman, Boston, MA (US)
`
`Correspondence Address:
`FENWCK & WEST LLP
`SILICON VALLEY CENTER, 801 CALIFORNLA
`STREET
`MOUNTAIN VIEW, CA 94041 (US)
`
`(73) Assignee:
`
`ZETAWIRE INC., Toronto (CA)
`
`(21) Appl. No.:
`
`12/467,991
`
`(22) Filed:
`
`May 18, 2009
`
`Related U.S. Application Data
`(60) Provisional application No. 61/122,240, filed on Dec.
`12, 2008, provisional application No. 61/054,162,
`filed on May 18, 2008.
`
`Publication Classification
`
`(51) Int. Cl.
`(2006.01)
`G06F 3/048
`(2006.01)
`G06O40/00
`(52) U.S. Cl. ............................ 715/738; 715/769; 705/39
`(57)
`ABSTRACT
`A configuration (a system and/or a method) are disclosed that
`includes a unified and integrated configuration that is com
`posed of a payment system, an advertising system, and an
`identity management system as well as their associated meth
`ods such that the unified system has all of the benefits of the
`individual systems as well as several additional Synergistic
`benefits. Also described are specific configurations (Sub
`systems and/or methods) including the system's access point
`architecture, a user interface that acts as a visual wallet simu
`lator, a security architecture, coupon handling as well as the
`system's structure and means for delivering them as targeted
`advertising, business card handling, membership card han
`dling for the purposes of login management, receipt handling,
`and the editors and grammars provided for customizing the
`different types of objects in the system as well as the creation
`of new custom objects with custom behaviors. The configu
`rations are operable on-line as well as through physical pres
`ence transactions, e.g., mobile transaction through a mobile
`phone or dedicated device at a physical site for a transaction.
`
`--
`
`-209
`
`
`
`Local drag and drop between programs causes
`instructions to be sent to remote server
`
`APPL-1005
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`Patent Application Publication
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`Nov. 19, 2009 Sheet 2 of 38
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`US 2009/02880 12 A1
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`
`
`€/19
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`APPL-1005
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`Patent Application Publication
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`Nov. 19, 2009 Sheet 3 of 38
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`US 2009/02880 12 A1
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`
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`NETWORK 5)
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`
`APPL-1005
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`Patent Application Publication
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`Nov. 19, 2009 Sheet 4 of 38
`
`US 2009/02880 12 A1
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`APPL-1005
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`Patent Application Publication
`
`Nov. 19, 2009 Sheet 5 of 38
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`US 2009/02880 12 A1
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`APPL-1005
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`Patent Application Publication
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`Nov. 19, 2009 Sheet 6 of 38
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`US 2009/02880 12 A1
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`
`
`F.G. 6
`
`APPL-1005
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`Patent Application Publication
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`Nov. 19, 2009 Sheet 7 of 38
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`US 2009/02880 12 A1
`
`
`
`PROCESSOR
`
`DISPLAY
`
`
`
`
`
`CHIPSET
`
`GRAPHICS
`ADAPTER
`
`MEMORY
`CONELER
`
`MEMORY
`
`
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`STORAGE
`DEVICE
`
`I/O
`CONTROLLER
`HUB
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`NETWORK
`ADAPTER
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`r
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`KEYBOARD
`
`
`
`PONTING DEVICE
`
`FIG. 7
`
`APPL-1005
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`Patent Application Publication
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`Nov. 19, 2009 Sheet 8 of 38
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`US 2009/02880 12 A1
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`
`
`
`
`
`
`
`
`PROCESSOR
`
`MEMORY
`CONTROLLER
`HUB
`
`I/O
`CONTROLLER
`HUB
`
`MEMORY -
`6
`
`7
`?
`Electronic
`Wallet
`Program
`
`STORAGE 8
`DEVICE
`
`FIG. 8
`
`APPL-1005
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`Patent Application Publication
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`Nov. 19, 2009 Sheet 9 of 38
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`
`
`103 108
`
`FIG. 9
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`APPL-1005
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`Nov. 19, 2009 Sheet 10 of 38
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`US 2009/02880 12 A1
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`
`
`is 33
`
`Transaction life cycle - reversed
`information flow
`
`FIG. 10
`
`APPL-1005
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`Patent Application Publication
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`Nov. 19, 2009 Sheet 11 of 38
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`US 2009/02880 12 A1
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`
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`Tra:saction. iife cycie - reversed tow with signed transaction details
`
`FIG. 11
`
`APPL-1005
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`Patent Application Publication
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`Nov. 19, 2009 Sheet 12 of 38
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`US 2009/02880 12 A1
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`
`
`7
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`Transaction life cycie - buyer's pubic it initiates transactio:
`
`FIG. 12
`
`APPL-1005
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`Patent Application Publication
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`Nov. 19, 2009 Sheet 13 of 38
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`US 2009/02880 12 A1
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`
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`Trainsaction iife cycie - Seiie geiterates tra:saction identifier
`
`FIG. 13
`
`APPL-1005
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`Nov. 19, 2009 Sheet 14 of 38
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`US 2009/02880 12 A1
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`101
`
`f
`
`
`
`E3 S
`
`fransactio; iife cycie - Seier sends transaction details to bayer
`
`FIG. 14
`
`APPL-1005
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`Patent Application Publication
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`Nov. 19, 2009 Sheet 15 of 38
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`US 2009/02880 12 A1
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`
`
`
`
`
`
`
`
`
`
`PROCESSOR
`
`MEMORY
`CONTROLLER
`HUB
`
`I/O
`CONTROLLER
`HUB
`
`d
`
`9
`
`6
`
`TRANSACTION
`ACCESS POINT
`
`STORAGE 8
`DEVICE
`
`FIG. 15
`
`APPL-1005
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`Patent Application Publication
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`Nov. 19, 2009 Sheet 16 of 38
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`US 2009/02880 12 A1
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`
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`Local drag and drop between programs causes
`instructions to be sent to remote server
`
`FIG. 16
`
`APPL-1005
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`Patent Application Publication
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`Nov. 19, 2009 Sheet 17 of 38
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`US 2009/02880 12 A1
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`
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`Payment receptacle displayed in conjunction with electronic Wallet
`
`FIG. 17
`
`APPL-1005
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`Nov. 19, 2009 Sheet 18 of 38
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`US 2009/02880 12 A1
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`
`
`a.
`
`a
`
`Local drag and drop of credit card image instructs transaction
`authority to apply credit card to a transaction
`
`FIG. 18
`
`APPL-1005
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`Patent Application Publication
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`Nov. 19, 2009 Sheet 19 of 38
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`US 2009/02880 12 A1
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`
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`Local drag and drop of debit image instructs transaction authority to
`apply a debit to an account held on behalf of the user
`
`FIG. 19
`
`APPL-1005
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`US 2009/02880 12 A1
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`33
`
`274
`
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`
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`
`-222
`
`Multiple local drags and drops instruct transaction authority to apply
`multiple forms of payment to an online transaction
`
`FIG. 20
`
`APPL-1005
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`Nov. 19, 2009 Sheet 21 of 38
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`US 2009/02880 12 A1
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`
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`713 26
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`Local drag and drop of address card image instructs transaction
`authority to apply a shipping address to an online transaction
`
`FIG. 21
`
`APPL-1005
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`Nov. 19, 2009 Sheet 22 of 38
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`US 2009/02880 12 A1
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`:: *g.
`
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`Accessing business card data
`
`FIG. 22
`
`APPL-1005
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`Patent Application Publication
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`Nov. 19, 2009 Sheet 23 of 38
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`Linking data sources to business card editor
`
`FIG. 23
`
`APPL-1005
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`Patent Application Publication
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`Nov. 19, 2009 Sheet 24 of 38
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`US 2009/02880 12 A1
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`
`
`Creating a business card definition
`
`FIG. 24
`
`APPL-1005
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`Patent Application Publication
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`Nov. 19, 2009 Sheet 25 of 38
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`US 2009/02880 12 A1
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`
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`Local drag and drop of business card shares card with recipient
`
`FIG. 25
`
`APPL-1005
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`Patent Application Publication
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`Nov. 19, 2009 Sheet 26 of 38
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`US 2009/02880 12 A1
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`
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`Sharing a business card with a social network contact by making a selection
`within the electronic wallet
`
`FIG. 26
`
`APPL-1005
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`Nov. 19, 2009 Sheet 27 of 38
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`Transaction on a mobile device in a physical store
`
`FIG. 27
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`APPL-1005
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`Nov. 19, 2009 Sheet 28 of 38
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`Manual input of transaction code to initiate a transaction
`
`FIG. 28
`
`APPL-1005
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`Nov. 19, 2009 Sheet 29 of 38
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`
`| 0 ||
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`APPL-1005
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`Nov. 19, 2009 Sheet 30 of 38
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`
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`Splitting a transaction between multiple buyers using mobile devices
`
`FIG. 30
`
`APPL-1005
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`Nov. 19, 2009 Sheet 31 of 38
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`
`
`e/
`
`0 EJ OG GL$ MOq
`
`
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`
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`
`APPL-1005
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`Nov. 19, 2009 Sheet 32 of 38
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`
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`Coupon Setup in a webpage when no user context
`information is available
`
`FIG. 32
`
`APPL-1005
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`Nov. 19, 2009 Sheet 33 of 38
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`Coupon Setup on a cell phone wallet when the user requests a coupon
`
`FIG. 33
`
`APPL-1005
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`Nov. 19, 2009 Sheet 34 of 38
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`33---
`
`:Figgis
`
`Coupon setup on a cell phone wallet when the user inputs a coupon code
`
`FIG. 34
`
`APPL-1005
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`Nov. 19, 2009 Sheet 35 of 38
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`US 2009/02880 12 A1
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`
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`Local drag and drop of coupon between programs causes instructions to be
`sent to a remote coupon authority
`
`FIG. 35
`
`APPL-1005
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`Patent Application Publication
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`Nov. 19, 2009 Sheet 36 of 38
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`US 2009/02880 12 A1
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`
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`Local drag and drop of a coupon image instructs the transaction authority
`to apply the coupon to a transaction
`
`FIG. 36
`
`APPL-1005
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`Patent Application Publication
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`Nov. 19, 2009 Sheet 37 of 38
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`Manual input of access point D
`
`FIG. 37
`
`APPL-1005
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`Patent Application Publication
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`Nov. 19, 2009 Sheet 38 of 38
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`Local drag and drop of membership card image causes a log in to a website
`
`FIG. 38
`
`APPL-1005
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`US 2009/02880 12 A1
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`Nov. 19, 2009
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`SECURED ELECTRONIC TRANSACTION
`SYSTEM
`
`CROSS REFERENCE
`0001. This application claims the benefit of U.S. Provi
`sional Application No. 61/054,162, filed May 18, 2008, and
`U.S. Provisional Application No. 61/122,240, filed Dec. 12,
`2008, the contents of each herein being incorporated by ref
`erence in its entirety.
`
`BACKGROUND
`0002 1. Field of Art
`0003. The disclosure relates to electronic transaction sys
`tems such as electronic commerce systems.
`0004 2. Description of the Related Art
`0005. Online payment platforms can generally be catego
`rized into two types of systems: account-based and token
`based. Account-based systems generally include a web-based
`interface that leads to one or several account management and
`transaction processing servers which have access to poten
`tially numerous financial accounts. A seller transfers a trans
`action to the account-based system in order to handle the
`payment. Upon transfer, a buyer logs into the account-based
`system and commits the payment with the press of a button.
`Known account-based systems include PAYPAL, GOOGLE
`CHECKOUT, MONEYBOOKERS and BIDPAY. Token
`based systems are the other major type of online payment
`platform. Token-based systems utilize tokens, which are typi
`cally implemented as files, which carry actual value. Payment
`for a good or service with a token-based system is accom
`plished with the electronic transfer of a token, from the pur
`chaser to the seller. The appeal of the token-based systems is
`that during a transaction, a user feels as if the user is moving
`value rather than just hitting a button.
`0006. A drawback of current account-based systems is
`that the user interfaces are unnatural; the button-press pay
`ment method does not closely model a customary, in-person
`transaction so the user is immediately unfamiliar with the
`transaction process; there are also a wide range of different
`button-press systems so the user must learn to navigate each
`one separately. Another drawback of current account-based
`systems is that their user interfaces are not sufficiently rich in
`features to allow the wide range of information they require
`(such as login information, credentials, shipping information,
`coupons, Subscription information, and different payment
`instruments) to be easily inputted by the user through a small
`number of mouse clicks or screen touches. Another drawback
`is that classic account-based systems are limited in terms of
`security because they are, in general, very limited in how they
`can interact with a user's computer hardware, so they are
`largely dependent upon web browsers which are well known
`to be Vulnerable to a wide range of types of malicious attacks.
`Another drawback is that account based systems do not allow
`a user to perform much customization because these systems
`are web-based and therefore controlled by the payment sys
`tem operator.
`0007 Drawbacks of token-based systems are their secu
`rity risks. For example, token-based systems are generally
`divorced from their modes of transfer. The tokens are simply
`files which can be sent to other users electronically. Tokens
`can therefore be intercepted before they reach their true des
`tination. Furthermore, tokens can be copied and fraudulently
`double-spent. Mitigating these problems requires awkward
`
`Software for issuing, verifying and removing tokens after use,
`making the payment process quite cumbersome. Token-based
`systems also generally suffer from the same usability prob
`lems of account-based systems, because they do not provide
`users with the ability to easily convey the large amounts of
`information to complete even ordinary transactions: creden
`tials, shipping information, coupons, Subscription informa
`tion, different payment instruments, and the like.
`0008. In addition electronic payment systems today lack
`intuitive interactive features that allow for quick and easy
`transaction initiation and completions, and are therefore not
`capable of handling micropayments. Further, such interfaces
`are devoid of a look and feel that can be easily translated from
`the familiar tangible transaction tools such as hard currency,
`debit cards, credit cards and business cards.
`0009. Another major drawback of current online payment
`systems involves their lack of integration with the real world.
`Other than credit cards, there are few means of paying which
`can be used in both the online and real-world setting.
`0010 Interms of advertising, once again there is very little
`cross-pollination between the online and real-world setting.
`Online advertising is dominated by companies Such as
`GOOGLE as well as a host of smaller banner ad providers.
`One major problem facing these advertisers is that most users
`have been trained to ignore their ads. One potential way of
`Solving this problem is to offer users a quid pro quo for
`viewing advertising Such as coupons, and several coupon
`systems have been proposed, but the market has resisted the
`wide-scale adoption of coupons as an effective means of
`advertising online. This is partly due to the clumsy user inter
`face commonly found in these systems, such as coupon codes
`which need to be typed in, and coupons which must be printed
`in order to be redeemed, and partly due to the fact that most of
`these systems are independent from any payment system, so
`any checkout process involving them would require two
`transactions—one to receive the coupon's discount, and the
`second to pay for the remainder of the transaction. A separate
`problem facing this area is that of stigma; many people do not
`wish to be seen as cheapskates, and therefore avoid the use of
`coupons.
`0011. Another major problem facing advertisers both
`online and in the real world is that of targeting. Advertising is
`typically targeted demographically in order to appeal to the
`audience of a television show, radio station, or web page. The
`limitation of this approach is that even within Such a demo
`graphic, people's tastes vary widely, prompting efforts to
`develop customized or targeted advertising aimed at indi
`viduals. However, the inability of advertisers to gain suffi
`cient personal information about users and to then translate
`that knowledge into effective automated advertising has ham
`pered these efforts.
`0012. In terms of identity management and universal
`login, the online market has seen remarkably little progress.
`Several social networking websites such as FACEBOOK and
`MYSPACE have allowed users to enter some of their personal
`information online so that it can be shared with friends, but
`these sites have largely failed to provide a universal means of
`identity management which is compatible with commercial
`needs Such as Subscription administration. Furthermore, the
`problem of developing a viable universal login service is far
`from being solved, with the market rejecting efforts such as
`MICROSOFTS PASSPORTAWINDOWS LIVE ID. Online
`users continue to be frustrated by the problem of having to
`
`APPL-1005
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`remember the user names and passwords of the many web
`sites at which they are members.
`0013. In sum, the current state of the art is lacking, inter
`alia, in electronic commerce and advertising systems that
`provide ease of transaction processing, identity theft preven
`tion and management, and user experiences with respect to
`Such transactions.
`
`SUMMARY
`0014. A configuration (a system and/or a method) are dis
`closed that includes a unified and integrated configuration
`that is composed of a payment system, an advertising system,
`and an identity management system as well as their associ
`ated methods such that the unified system has all of the
`benefits of the individual systems as well as several additional
`synergistic benefits. Also described are specific configura
`tions (Subsystems and/or methods) including the system's
`access point architecture, a user interface that acts as a visual
`wallet simulator, a security architecture, coupon handling as
`well as the system's structure and means for delivering them
`as targeted advertising, business card handling, membership
`card handling for the purposes of login management, receipt
`handling, and the editors and grammars provided for custom
`izing the different types of objects in the system as well as the
`creation of new custom objects with custom behaviors. The
`configurations are operable on-line as well as through physi
`cal presence transactions, e.g., mobile transaction through a
`mobile phone or dedicated device at a physical site for a
`transaction.
`0015 The features and advantages described in the speci
`fication are not all inclusive and, in particular, many addi
`tional features and advantages will be apparent to one of
`ordinary skill in the art in view of the drawings, specification,
`and claims. Moreover, it should be noted that the language
`used in the specification has been principally selected for
`readability and instructional purposes, and may not have been
`selected to delineate or circumscribe the disclosed subject
`matter.
`
`BRIEF DESCRIPTION OF DRAWINGS
`
`0016. The disclosed embodiments have other advantages
`and features which will be more readily apparent from the
`detailed description, the appended claims, and the accompa
`nying figures (or drawings). A brief introduction of the figures
`is below.
`0017 Figure (or FIG. or Fig.) 1 illustrates one example
`embodiment of an architecture overview of a transaction con
`figuration.
`0018 FIG. 2 illustrates two examples of the electronic
`wallet running on a conventional computer and mobile device
`and visually depicted through a user interface displayed on
`their respective Screens.
`0019 FIG. 3 illustrates an example online access point
`paradigm.
`0020 FIG. 4 illustrates an example embodiment of a
`short-range transmitter access point paradigm.
`0021
`FIG. 5, it illustrates an example embodiment of a
`geographical area access point paradigm.
`0022 FIG. 6 illustrates an example embodiment of a
`manual code input access point paradigm.
`0023 FIG. 7 illustrates one example embodiment of high
`level block diagram of a computing system.
`
`0024 FIG. 8 illustrates an example embodiment of an
`electronic wallet module during execution by a user com
`puter.
`0025 FIG. 9 illustrates one example embodiment of a
`transaction configuration for initiating and conducting a
`transaction between a buyer, e.g., through the user computer,
`and a seller, through a seller system.
`0026 FIG. 10 illustrates one embodiment of a configura
`tion for initiating and conducting a transaction between a
`buyer and a seller in which transaction identification infor
`mation flows in the opposite direction from the direction
`described in FIG. 1.
`0027 FIG. 11 illustrates an embodiment of a configura
`tion for initiating and conducting a transaction between a
`buyer and a seller in which transaction identification infor
`mation and the details of the goods or services in the trans
`action flow in the opposite direction from the configuration
`described in FIG. 1d.
`0028 Turning now to FIG. 12, illustrated is an embodi
`ment of a configuration for conducting a transaction between
`a buyer and a seller in which the buyer provides the seller with
`a public ID to initiate a transaction.
`0029 FIG. 13 shows an embodiment of a configuration for
`conducting a transaction between a buyer and a seller in
`which the seller generates a transaction identifier to initiate a
`transaction.
`0030 FIG. 14 shows an embodiment of a configuration to
`conduct a transaction between a buyer and a seller in which
`the seller sends details of a pending sale to the buyer to initiate
`the transaction.
`0031
`FIG. 15 illustrates an example of a transaction
`access point module during execution by a seller computer in
`the seller system.
`0032 FIG.16 illustrates an example embodiment of a drag
`and drop operation between an electronic wallet and a
`browser program through which a website associated with a
`seller system is accessed.
`0033 FIG. 17 illustrates an example embodiment of initi
`ating (or providing) for display and execution a payment
`receptacle.
`0034 FIG. 18 illustrates one example embodiment of a
`process for applying a payment to a transaction in which a
`third-party payment authority is included.
`0035 FIG. 19 illustrates an example embodiment in which
`a digital object from an electronic wallet corresponds to a
`debit card and an associated transaction process to apply
`towards a transaction purchase price.
`0036 FIG. 20 illustrates one example embodiment of a
`process for applying multiple forms of payment to a single
`online transaction.
`0037 FIG. 21 illustrates one example embodiment of a
`process for applying a shipping address to an online transac
`tion.
`0038 FIG. 22 illustrates one example embodiment of
`accessing identity data from a business card authority.
`0039 FIG.23 shows an example embodiment of a process
`to link separate data sources to an electronic business card
`editor associated with a business card authority.
`0040 FIG. 24 shows an example embodiment of a process
`to create a business card definition by defining its data and
`logic in a business card editor.
`0041
`FIG. 25 illustrates an example embodiment of a
`process to upload a business card from an electronic wallet 7
`to a webpage.
`
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`Nov. 19, 2009
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`0042 FIG. 26 illustrates an example embodiment of a
`process to share a business card with a contact in a user's
`Social network.
`0043 FIG. 27 illustrates an example embodiment of a
`process to use a mobile device to make a payment in a physi
`cal store using wireless communication with a cash register.
`0044 FIG. 28 illustrates an example embodiment of a
`process to use a mobile device to make a payment by manu
`ally inputting a transaction code.
`0045 FIG. 29 illustrates an example embodiment of a
`process for initiating a simplified online transaction between
`a vendor's website and a buyer's electronic wallet.
`0046 FIG. 30 illustrates an example embodiment of a
`process where one or more buyers split the cost of a transac
`tion in a store Such as a restaurant, where at least one buyer
`uses the transaction authority for his share of the bill.
`0047 FIG. 31 illustrates an example embodiment of an
`interface that enables two buyers to share a transaction in a
`restaurant.
`0048 FIG. 32 illustrates an example embodiment of a
`process for presenting a coupon on a webpage displayed on a
`screen of a user computer in the case where the coupon
`system has no access to information about the user.
`0049 FIG. 33 illustrates an example embodiment of a
`process by which a user elects to download a coupon to a
`mobile phone from an advertising access point.
`0050 FIG. 34 illustrates an example embodiment of a
`process by which a user elects to download a coupon to a
`mobile phone directly from the coupon authority through the
`input of a coupon code.
`0051 FIG. 35 illustrates an example embodiment of a
`process for downloading a coupled from a webpage to an
`electronic wallet 7.
`0052 FIG. 36 illustrates an example for applying a digital
`coupon to a transaction with an online seller.
`0053 FIG.37 illustrates an example for applying a digital
`coupon to a transaction with an online seller.
`0054 FIG. 38 illustrates an example embodiment of a
`configuration for using an electronic membership card to log
`in to a third-party website.
`
`DETAILED DESCRIPTION
`0055. The Figures (FIGS.) and the following description
`relate to preferred embodiments by way of illustration only. It
`should be noted that from the following discussion, alterna
`tive embodiments of the structures and methods disclosed
`herein will be readily recognized as viable alternatives that
`may be employed without departing from the principles of
`what is claimed.
`0056 Reference will now be made in detail to several
`embodiments, examples of which are illustrated in the
`accompanying figures. It is noted that wherever practicable
`similar or like reference numbers may be used in the figures
`and may indicate similar or like functionality. The figures
`depict embodiments of the disclosed system (or method) for
`purposes of illustration only. One skilled in the art will readily
`recognize from the following description that alternative
`embodiments of the structures and methods illustrated herein
`may be employed without departing from the principles
`described herein.
`
`Configuration Architecture
`0057 FIG. 1 illustrates one example embodiment of an
`architectural system for conducting transactions. The archi
`
`tecture as illustrated includes a central transaction authority
`102 (or central authority 102 or transaction authority 102)
`communicatively coupled with a network 50 such as the
`Internet with electronic wallets corresponding to users, as
`well as to system access points 52 owned or operated by
`people, businesses, and other parties. It is noted that the
`transaction authority may reside on one or more server com
`puters. The parties access the network by communication
`network entry points 53 such as routers 70, cellphone towers
`71, and satellites 72, which they also access for other pur
`poses Such as location determination using, for example,
`GPS, or cell-phone tower triangulation. It is noted that com
`munication network entry points should not be confused with
`system access points. The electronic wallet programs pro
`vides a mechanism by which the typical user interacts with
`the businesses and other parties through the system, whereas
`the access points provide a mechanism by which businesses
`and other parties interact with the users. Informally, access
`points should be viewed as a mechanism that matches users
`with businesses and other parties in order to perform a trans
`action.
`0058. In this embodiment, a user's account resides on a
`server of the transaction authority 102, and the user's access
`to that account occurs through the use of one or more wallet
`simulator programs (also referred to as wallet programs,
`digital wallets, and electronic wallets) which resides on a
`consumer computing device 51, for example, a desktop com
`puter 68, a laptop 69, or a mobile device 67. FIG. 2 illustrates
`two examples of the electronic wallet 7,7a (here 7 and 7a, but
`may be generally referred to as 7) running on a computer
`device and a mobile device and rendered for display through
`a user interface on a computer 85 screen and a mobile device
`67 screen, respectively. The electronic wallet contains various
`controls 82, 84, 86 affecting its appearance and behavior as
`well as the state of the user's account. When the user logs in
`to the authority 102 through a particular electronic wallet, the
`specifics of a user's account are downloaded into the elec
`tronic wallet and become its contents. These contents can
`include digital representations of the kinds of objects typi
`cally found in a real-world purse or wallet. For example, the
`configuration contains categories of digital objects (also
`referred to as 'draggable objects) such as digital forms of
`cash, credit cards, debit cards, gift cards, coupons, receipts,
`membership cards, business cards, identification cards, pho
`tographs, etc., as well as custom-defined types, as well as
`digital objects or files not found in physical wallets Such as
`digital videos, music, etc.
`0059 FIG. 2 illustrates a draggable object 83, displayed in
`the electronic wallet, as well as being dragged over the desk
`top 87 and through the wallet on the mobile device 87a. The
`different types of objects are used to perform different types
`of transactions in the system. For example, the financial digi
`tal objects are used for performing financial transactions,
`whereas the membership cards are used to perform login
`transactions, the business cards are used to perform transac
`tions which share information, etc. Since the electronic wallet
`program can be used both online and in the real world, this
`allows digital objects to be downloaded both online and in the
`real world and used both online and in the real world, thereby
`unifying online and real-world transactions across the areas
`of payments, advertising, and identity management.
`Instances of these digital objects are stored at the transaction
`authority 102 as persistent entities associated with the user's
`account, and are represented graphically in the user's elec
`
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`US 2009/02880 12 A1
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`tronic wallet 7. Such an account system can be easily imple
`mented by a person skilled in the art of relational database
`design.
`0060. In one embodiment, digital objects of each type
`have two aspects: a definition and instances. The distinction
`between types, definitions, and instances is illustrated
`through the examples noted below. The examples are listed as
`follows below.
`0061. In a first example, credit cards are a type of digital
`object which can be used for making payments in the system.
`The Bank of America may hold a business account with the
`system and may specify a credit card definition for a BANK
`OF AMERICA Platinum Plus Visa Card including its visual
`appearance and behavior. This definition is then stored as a
`persistent entity associated with BANK OF AMERICA
`account at the transaction authority. The bank, here BANK
`OF AMERICA, can then instruct the system to use that credit
`card definition to mint instances of it and distribute these,
`which are in effect digital credit cards to users, at which point
`the instances which themselves can include further instance
`specific data