Dispensing digital objects to an electronic wallet
A configuration system and method is disclosed that includes a unified and integrated configuration that is composed of a payment system, an advertising system, and an identity management system 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 including the system's access point architecture, visual wallet simulator user interface, 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 customizing 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 physical presence transactions.
1. A computer-implemented method to dispense digital objects, comprising:
interacting, by a user computing device, with an access point operated by a merchant by:
transmitting a query to the access point,
obtaining an access point identifier, and
receiving a user control produced by the access point and executable by the user computing device to dispense a digital object,
wherein the received user control comprises a type of user control associated with an object type of the digital object, the access point selecting the type of user control from a plurality of types of user controls available based on the query received from the user computing device;
transmitting, via execution of the user control on the user computing device, the access point identifier and the query to a transaction computing system;
receiving, by the user computing device, the digital object from the transaction computing system based on the transmitted access point identifier and the query, the digital object associated with the access point, and the digital object executable by the user computing device; and
executing, by the user computing device, the digital object in connection with the access point.
2. The computer-implemented method of claim 1 , wherein receiving the input to the user control comprises:
displaying, within the user control and by the user computing device, the digital object received from the transaction computing system on a display of the user computing device; and
receiving, by the user computing device, an input selecting the displayed digital object from the user control to add the digital object to the electronic wallet.
3. The computer-implemented method of claim 1 , wherein the input to the user control comprises dragging and dropping the displayed digital object from a first location on a screen of the user computing device corresponding to a location of the user control to a second location on the screen of the user computing device corresponding to a location of the electronic wallet.
4. The computer-implemented method of claim 1 , wherein the digital object comprises a token representing a financial account.
5. The computer-implemented method of claim 1 , wherein the access point comprises a short-range transmitter access point, and wherein interacting with the access point comprises wirelessly connecting to the short-range transmitter access point using short-range wireless communication, the short-range transmitter access point coupled to a physical object.
6. The computer-implemented method of claim 1 , wherein the access point comprises a geographical area access point that is associated with a predefined geographical area, and wherein interacting with the access point further comprises identifying, by the user computing device, a physical location of the user computing device, wherein the physical location is transmitted to the transaction computing system by the user computing device to identify the access point identifier associated with the physical location.
7. The computer-implemented method of claim 1 , wherein the access point comprises a manual code input access point, and wherein interacting with the access point comprises receiving, by the user computing device, input comprising the access point identifier visually indicated by the manual code input access point, wherein the access point identifier is transmitted to the transaction authority by the user computing device.
8. The computer-implemented method of claim 7 , wherein receiving the input comprises receiving an image of the access point identifier, and wherein the image comprises a barcode and the user computing device interprets the barcode to identify the access point identifier.
9. The computer-implemented method of claim 7 , wherein receiving the comprises:
receiving, by the user computing device, an audio signal of the user's voice speaking the access point identifier; and
translating, by the user computing device, the audio signal to identify the access point identifier in the audio signal.
10. The computer-implemented method of claim 1 , wherein the digital object represents a physical object found in a physical wallet.
11. A computer program product, comprising:
a non-transitory computer-readable medium having computer-readable program instructions embodied therein that when executed by a computer cause the computer to dispense digital objects, the computer-readable program instructions comprising:
computer-readable program instructions to interact with an access point operated by a merchant by:
transmitting a query to the access point,
obtaining an access point identifier, and
receiving a user control produced by the access point and executable by a user computing device to dispense a digital object,
wherein the received user control comprises a type of user control associated with an object type of the digital object, the access point selecting the type of user control from a plurality of types of user controls available based on the query received from the user computing device;
computer-readable program instructions to transmit, via execution of the user control, the access point identifier and the query to a transaction computing system;
computer-readable program instructions to receive the digital object from the transaction computing system based on the transmitted access point identifier and the query, the digital object associated with the access point, and the digital object executable by the user computing device to; and
computer-readable program instructions to execute the digital object in connection with the access point.
12. The computer program product of claim 11 , wherein the input to the user control comprises dragging and dropping the displayed digital object from a first location on a screen of the user computing device corresponding to a location of the user control to a second location on the screen of the user computing device corresponding to a location of the electronic wallet.
13. The computer program product of claim 11 , wherein the digital object comprises a token representing a financial account.
14. The computer program product of claim 11 , wherein the access point comprises a geographical area access point that is associated with a predefined geographical area, and wherein interacting with the access point further comprises identifying, by the user computing device, a physical location of the user computing device, wherein the physical location is transmitted to the transaction computing system by the user computing device to identify the access point identifier associated with the physical location.
15. The computer program product of claim 11 , wherein the access point comprises a manual code input access point, and wherein interacting with the access point comprises receiving, by the user computing device, input comprising the access point identifier visually indicated by the manual code input access point, wherein the access point identifier is transmitted to the transaction authority by the user computing device.
16. A system to dispense digital objects, comprising
a storage device; and
a processor communicatively coupled to the storage device, wherein the processor
executes application code instructions that are stored in the storage device to cause the system to:
interact with an access point operated by a merchant by:
transmitting a query to the access point,
obtaining an access point identifier, and
receiving a user control produced by the access point and executable by a user computing device to dispense a digital object,
wherein the received user control comprises a type of user control associated with an object type of the digital object, the access point selecting the type of user control from a plurality of types of user controls available based on the query received from the user computing device;
transmit the access point identifier and the query to a transaction computing system;
receive the digital object from the transaction computing system based on the transmitted access point identifier and the query, the digital object associated with the access point, and the digital object executable by the user computing device; and
execute the digital object in connection with the access point.
17. The system of claim 16 , wherein the input to the user control comprises dragging and dropping the displayed digital object from a first location on a screen of the user computing device corresponding to a location of the user control to a second location on the screen of the user computing device corresponding to a location of the electronic wallet.
18. The system of claim 16 , wherein object comprises a token representing a financial account.
19. The system of claim 16 , wherein the access point comprises a geographical area access point that is associated with a predefined geographical area, and wherein interacting with the access point further comprises identifying, by the user computing device, a physical location of the user computing device, wherein the physical location is transmitted to the transaction computing system by the user computing device to identify the access point identifier associated with the physical location.
20. The system of claim 16 , wherein the access point comprises a manual code input access point, and wherein interacting with the access point comprises receiving, by the user computing device, input comprising the access point identifier visually indicated by the manual code input access point, wherein the access point identifier is transmitted to the transaction authority by the user computing device.