IP Library Granted Patent US 10,558,963
Granted Patent B2
US 10,558,963 · App. 15/293,847 · Granted Feb 11, 2020

Shareable widget interface to mobile wallet functions

Inventors: Mehul Desai (Oak Brook, IL); Satyan G. Pitroda (Oak Brook, IL); Nehal Maniar (Oak Brook, IL)
Assignee: MASTERCARD MOBILE TRANSACTIONS SOLUTIONS, INC.
G06Q20/202G06F8/60G06Q20/10G06Q20/204G06Q20/32G06Q20/322G06Q20/3223G06Q20/3227G06Q20/3278G06Q20/36G06Q20/363G06Q20/367G06Q20/3674G06Q20/3829G06Q20/40G06Q20/401G06Q20/405G06Q20/4014G06Q30/0641G06Q40/02
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Quick Facts
Patent No.
US 10,558,963
App. No.
15/293,847
Filed
Oct 14, 2016
Granted
Feb 11, 2020
Kind
B2
Examiner
POE, KEVIN T
Art Unit
3692
USPC
705/41
Abstract

Configuring a shareable widget interface to mobile wallet functions includes disposing a wallet module in a memory of a client device, and disposing a wallet companion applet in a secure element accessible by the client device, wherein the wallet companion applet facilitates access by at least one other applet and at least one wallet module to content that is stored in the secure element via a mobile wallet function sharable interface.

Claims (24)

1. A method, comprising:

executing a digital wallet on at least one of a mobile device and a server of a network-based multi-domain ecosystem for secure personalized transactions to configure and install a digital wallet applet associated with the digital wallet in a security domain region of a secure element subset of a non-transient digital memory that is accessible to the mobile device;

managing data in the security domain region of the secure element subset as a group by authenticating security keys for the security domain region, and wherein each of a plurality of security domain regions of the secure element require distinct security domain-specific security keys; and

executing the digital wallet applet, thereby providing a sharable interface through which the digital wallet applet manages access to the digital wallet, the sharable interface providing digital wallet applet-managed access by the digital wallet applet to the digital wallet, providing managed access by another applet executing on the mobile device to the digital wallet, and providing managed access by a multi-domain computing ecosystem server to the digital wallet, wherein the digital wallet applet, the another applet and the multi-domain computing ecosystem server each communicate with the sharable interface electronically.

2. The method of claim 1 , wherein managing access to the digital wallet comprises coordinating access to digital wallet resources by the digital wallet applet and at least one of a couponing applet, an over-the-air transaction applet, a service-provider personalized applet, and a payment applet.

3. The method of claim 2 , wherein coordinating access to digital wallet resources facilitates a payment transaction that includes use of a coupon and at least one other form of payment that is accessible via the wallet.

4. The method of claim 1 , wherein the multi-domain ecosystem server has access to account information corresponding to a resource of the digital wallet and wherein an identifier of the account information is retrieved from the digital wallet by the digital wallet applet for forwarding to a participant.

5. The method of claim 1 , wherein managing access to the digital wallet comprises facilitating secure interaction with at least one participant in a multi-domain computing ecosystem for secure personalized transactions.

6. The method of claim 1 , wherein managing access to the digital wallet further comprises communicating with other applets via an application protocol data unit interface.

7. The method of claim 1 , wherein the digital wallet applet further provides at least two wallet management features selected from a group of features consisting of secure storage, authentication, ID management, activation control, cryptography, key generation, key storage, and PIN control.

8. The method of claim 1 , wherein providing a sharable interface under control of the digital wallet applet comprises facilitating access to one or more additional wallet applets via the sharable interface.

9. The method of claim 1 , wherein managing access to the digital wallet comprises managing access to secure element content via the sharable interface.

10. The method of claim 1 , wherein the sharable interface facilitates managed access by at least one other wallet applet to wallet-related information stored in the secure element sub set.

11. A method, comprising:

configuring and installing a digital wallet applet associated with a digital wallet in a security domain region of a non-transient digital memory that is accessible to a mobile device;

managing data in the security domain region by authenticating security keys for the security domain-specific region, and wherein each of a plurality of security domain regions require distinct security domain-specific security keys; and

executing the digital wallet applet, thereby providing a sharable interface through which the digital wallet applet manages access to the digital wallet, the sharable interface providing digital wallet applet-managed access by the digital wallet applet to the digital wallet, providing managed access by at least one of another applet executing on the mobile device to the digital wallet and a multi-domain computing ecosystem server to the digital wallet, wherein the digital wallet applet, the another applet and the multi-domain computing ecosystem server each communicate with the sharable interface electronically.

12. The method of claim 11 , wherein managing access to the digital wallet comprises coordinating access to digital wallet resources by the digital wallet applet and at least one of a couponing applet, an over-the-air transaction applet, a service-provider personalized applet, and a payment applet.

13. The method of claim 12 , wherein coordinating access to digital wallet resources facilitates a payment transaction that includes use of a coupon and at least one other form of payment that is accessible via the wallet.

14. The method of claim 11 , wherein the multi-domain ecosystem server has access to account information corresponding to a resource of the digital wallet and wherein an identifier of the stored account information is retrieved from the digital wallet by the digital wallet applet for forwarding to a participant.

15. A non-transitory machine readable storage medium having stored thereon a computer program the computer program comprising a routine of set instructions for causing at least one of a mobile device and a network-based multi-domain ecosystem to perform the steps of:

executing a digital wallet on at least one of a mobile device and a server of a network-based multi-domain ecosystem for secure personalized transactions to configure and install a digital wallet applet associated with the digital wallet in a security domain region of a secure element subset of a non-transient digital memory that is accessible to the mobile device;

managing data in the security domain region of the secure element subset as a group by authenticating security keys for the security domain-specific region, and wherein each of a plurality of security domain regions of the secure element require distinct security domain-specific security keys; and

executing the digital wallet applet, thereby providing a sharable interface through which the digital wallet applet manages access to the digital wallet, the sharable interface providing digital wallet applet-managed access by the digital wallet applet to the digital wallet, providing managed access by another applet executing on the mobile device to the digital wallet, and providing managed access by a multi-domain computing ecosystem server to the digital wallet, wherein the digital wallet applet, the another applet and the multi-domain computing ecosystem server each communicate with the sharable interface electronically.

Assignments (2)
CHANGE OF NAME Recorded Oct 14, 2016
From: C-SAM, INC.
To: MASTERCARD MOBILE TRANSACTIONS SOLUTIONS, INC.
Reel/Frame 040368/0604 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Oct 14, 2016
From: DESAI, MEHUL; PITRODA, SATYAN G.; MANIAR, NEHAL
To: C-SAM, INC.
Reel/Frame 040020/0469 →
Continuity (6)
Continuation 14154635 · Jan 14, 2014
Continuation 13909262 · Jun 4, 2013
Continuation 13651028 · Oct 12, 2012
Provisional Application 61546084 · Oct 12, 2011
Provisional Application 61619751 · Apr 3, 2012
Related Publication 20170032364A1 · Feb 2, 2017
Cited By (3)
US 12,292,995 US 12,412,172 US 12,717,967