Gui-based wallet program for online transactions

Abstract

Provided is a method and a GUI-based software application that acts as a wallet with network interconnectivity for enabling a user to securely and seamlessly conduct transactions with his or her online financial transaction program by means of a computer or a wireless handheld device without having to depend on an Internet browser.

We claim: 
     
         1 . A transaction information provisioning system, comprising:
 a non-transitory memory that is located in a user device and that includes a plurality of rewards program information for a plurality of rewards programs; and   one or more hardware processors that are located in the user device, coupled to the non-transitory memory, and configured to read instructions from the non-transitory memory to perform the steps of:
 rendering a graphical user interface (GUI) wallet for display on the user device in response to an interaction with a first electronic transaction system that provides a first rewards program information request, wherein the GUI wallet includes a plurality of user-selectable rewards program elements that are each associated with a different one of the plurality of rewards programs and that are each selectable by a user to designate a respective one of the plurality of rewards programs; 
 detecting a selection of a first rewards program element from the plurality of user-selectable rewards program elements included on the GUI wallet and, in response, retrieving first rewards program information of the plurality of rewards program information from the non-transitory memory, wherein the first rewards program information is for a first rewards program of the plurality of rewards programs; and 
 automatically providing the first rewards program information to the first electronic transaction system to satisfy the first rewards program information request. 
   
     
     
         2 . The transaction information provisioning system of  claim 1 , wherein the one or more hardware processors are configured to read instructions from the non-transitory memory to perform the steps of:
 rendering the GUI wallet for display on the user device in response to an interaction with a second electronic transaction system that provides a second rewards program information request and that is different than the first electronic transaction system;   detecting a selection of a second rewards program element from the plurality of user-selectable rewards program elements included on the GUI wallet that is different from the first rewards program element and, in response, retrieving second rewards program information of the plurality of rewards program information from the non-transitory memory, wherein the second rewards program information is for a second rewards program of the plurality of rewards programs that is different than the first rewards program; and   automatically providing the second rewards program information to the second electronic transaction system to satisfy the second rewards program information request.   
     
     
         3 . The transaction information provisioning system of  claim 1 , wherein the plurality of rewards program information includes rewards points, rewards currency, and rewards codes. 
     
     
         4 . The transaction information provisioning system of  claim 1 , wherein the non-transitory memory stores a plurality of user identification information for a plurality of user contact identifiers, and wherein the one or more hardware processors are configured to read instructions from the non-transitory memory to perform the steps of:
 rendering the GUI wallet for display on the user device in response to an interaction with the first electronic transaction system that provides a first user identification information request, wherein the GUI wallet includes a plurality of user-selectable user identification elements that are each associated with a different one of the plurality of user contact identifiers and that are each selectable by a user to designate a respective one of the plurality of user contact identifiers;   detecting a selection of a first user identification element from the plurality of user-selectable user identification elements included on the GUI wallet and, in response, retrieving first user identification information of the plurality of user identification information from the non-transitory memory, wherein the first user identification information is for a first user contact identifier of the plurality of user contact identifiers; and   automatically providing the first user identification information to the first electronic transaction system to satisfy the first user identification information request.   
     
     
         5 . The transaction information provisioning system of  claim 4 , wherein the one or more hardware processors are configured to read instructions from the memory to perform the steps of:
 rendering the GUI wallet for display on the user device in response to an interaction with a second electronic transaction system that provides a second user identification information request and that is different than the first electronic transaction system;   detecting a selection of a second user identification element from the plurality of user-selectable user identification elements included on the GUI wallet that is different from the first user identification element and, in response, retrieving second user identification information of the plurality of user identification information from the non-transitory memory, wherein the second user identification information is for a second user contact identifier of the plurality of user contact identifiers that is different than the first user contact identifier; and   automatically providing the second user identification information to the second electronic transaction system to satisfy the second user identification information request.   
     
     
         6 . The transaction information provisioning system of  claim 1 , wherein the non-transitory memory stores a plurality of transaction information for a plurality of transaction devices, and wherein the one or more hardware processors are configured to read instructions from the non-transitory memory to perform the steps of:
 rendering the GUI wallet for display on the user device in response to an interaction with the first electronic transaction system that provides a first transaction information request, wherein the GUI wallet includes a plurality of user-selectable transaction elements that are each associated with a different one of the plurality of transaction devices and that are each selectable by a user to designate a respective one of the plurality of transaction devices;   detecting a selection of a first transaction element from the plurality of user-selectable transaction elements included on the GUI wallet and, in response, retrieving first transaction information of the plurality of transaction information from the non-transitory memory, wherein the first transaction information is for a first transaction device of the plurality of transaction devices; and   automatically providing the first transaction information to the first electronic transaction system to satisfy the first transaction information request.   
     
     
         7 . The transaction information provisioning system of  claim 7 , wherein the one or more hardware processors are configured to read instructions from the non-transitory memory to perform the steps of:
 rendering the GUI wallet for display on the user device in response to an interaction with a second electronic transaction system that provides a second transaction information request and that is different than the first electronic transaction system;   detecting a selection of a second transaction element from the plurality of user-selectable transaction elements included on the GUI wallet that is different from the first transaction element and, in response, retrieving second transaction information of the plurality of transaction information from the non-transitory memory, wherein the second transaction information is for a second transaction device of the plurality of transaction devices that is different than the first transaction device; and   automatically providing the second transaction information to the second electronic transaction system to satisfy the second transaction information request.   
     
     
         8 . A method for providing transaction information, comprising: receiving and storing, by a user device in a local database, a plurality of rewards program information for a plurality of rewards programs;
 rendering, by the user device for display on a display device that is included on the user device, a graphical user interface (GUI) wallet in response to an interaction with a first electronic transaction system that provides a first rewards program information request, wherein the GUI wallet includes a plurality of user-selectable rewards program elements that are each associated with a different one of the plurality of rewards programs and that are each selectable by a user to designate a respective one of the plurality of rewards programs;   detecting, by the user device, a selection of a first rewards program element from the plurality of user-selectable rewards program elements included on the GUI wallet and, in response, retrieving first rewards program information of the plurality of rewards program information from the local database, wherein the first rewards program information is for a first rewards program of the plurality of rewards programs; and   causing, by the user device, the first rewards program information to be automatically provided to the first electronic transaction system to satisfy the first rewards program information request.   
     
     
         9 . The method of  claim 8 , further comprising:
 rendering, by the user device for display on the display device that is included on the user device, the GUI wallet in response to an interaction with a second electronic transaction system that provides a second rewards program information request and that is different than the first electronic transaction system;   detecting, by the user device, a selection of a second rewards program element from the plurality of user-selectable rewards program elements included on the GUI wallet that is different from the first rewards program element and, in response, retrieving second rewards program information of the plurality of rewards program information from the local database, wherein the second rewards program information is for a second rewards program of the plurality of rewards programs that is different than the first rewards program; and   causing, by the user device, the second rewards program information to be automatically provided to the second electronic transaction system to satisfy the second rewards program information request.   
     
     
         10 . The method of  claim 8 , wherein the plurality of rewards program information for the plurality of rewards programs includes rewards points, rewards currency, and rewards codes. 
     
     
         11 . The method of  claim 8 , further comprising:
 receiving and storing, by the user device in the local database, a plurality of user identification information for a plurality of user contact identifiers;   rendering, by the user device for display on the display device that is included on the user device, the GUI wallet in response to an interaction with the first electronic transaction system that provides a first user identification information request, wherein the GUI wallet includes a plurality of user-selectable user identification elements that are each associated with a different one of the plurality of user contact identifiers and that are each selectable by a user to designate a respective one of the plurality of user contact identifiers;   detecting, by the user device, a selection of a first user identification element from the plurality of user-selectable user identification elements included on the GUI wallet and, in response, retrieving first user identification information of the plurality of user identification information from the local database, wherein the first user identification information is for a first user contact identifier of the plurality of user contact identifiers; and   causing, by the user device, the first user identification information to be automatically provided to the first electronic transaction system to satisfy the first user identification information request.   
     
     
         12 . The method of  claim 11 , further comprising:
 rendering, by the user device for display on the display device that is included on the user device, the GUI wallet in response to an interaction with a second electronic transaction system that provides a second user identification information request and that is different than the first electronic transaction system;   detecting, by the user device, a selection of a second user identification element from the plurality of user-selectable user identification elements included on the GUI wallet that is different from the first user identification element and, in response, retrieving second user identification information of the plurality of user identification information from the local database, wherein the second user identification information is for a second user contact identifier of the plurality of user contact identifiers that is different than the first user contact identifier; and   causing, by the user device, the second user identification information to be automatically provided to the second electronic transaction system to satisfy the second user identification information request.   
     
     
         13 . The method of  claim 8 , further comprising:
 receiving, by the user device in the database, and storing a plurality of transaction information for a plurality of transaction devices;   rendering, by the user device for display on the display device that is included on the user device, the GUI wallet in response to an interaction with the first electronic transaction system that provides a first transaction information request, wherein the GUI wallet includes a plurality of user-selectable transaction elements that are each associated with a different one of the plurality of transaction devices and that are each selectable by a user to designate a respective one of the plurality of transaction devices;   detecting, by the user device, a selection of a first transaction element from the plurality of user-selectable transaction elements included on the GUI wallet and, in response, retrieving first transaction information of the plurality of transaction information from the local database, wherein the first transaction information is for a first transaction device of the plurality of transaction devices; and   causing, by the user device, the first transaction information to be automatically provided to the first electronic transaction system to satisfy the first transaction information request.   
     
     
         14 . The method of  claim 13 , further comprising:
 rendering, by the user device for display on the display device that is included on the user device, the GUI wallet in response to an interaction with a second electronic transaction system that provides a second transaction information request and that is different than the first electronic transaction system;   detecting, by the user device, a selection of a second transaction element from the plurality of user-selectable transaction elements included on the GUI wallet that is different from the first transaction element and, in response, retrieving second transaction information of the plurality of transaction information from the local database, wherein the second transaction information is for a second transaction device of the plurality of transaction devices that is different than the first transaction device; and   causing, by the user device, the second transaction information to be automatically provided to the second electronic transaction system to satisfy the second transaction information request.   
     
     
         15 . A non-transitory, machine-readable medium comprising a plurality of machine-readable instructions that, when executed by one or more processors, are configured to cause the one or more processors to perform a method comprising:
 receiving and storing a plurality of rewards program information for a plurality of rewards programs in a local database;   rendering a graphical user interface (GUI) wallet on a display device in response to an interaction with a first electronic transaction system that provides a first rewards program information request, wherein the GUI wallet includes a plurality of user-selectable rewards program elements that are each associated with a different one of the plurality of rewards programs and that are each selectable by a user to designate a respective one of the plurality of rewards programs;   detecting a selection of a first rewards program element from the plurality of user-selectable rewards program elements included on the GUI wallet and, in response, retrieving first rewards program information of the plurality of rewards program information from the local database, wherein the first rewards program information is for a first rewards program of the plurality of rewards programs; and   automatically providing the first rewards program information to the first electronic transaction system to satisfy the first rewards program information request.   
     
     
         16 . The machine-readable medium of  claim 15 , wherein the plurality of machine-readable instructions are configured to cause the one or more processors to perform the method further comprising:
 rendering the GUI wallet on the display device in response to an interaction with a second electronic transaction system that provides a second rewards program information request and that is different than the first electronic transaction system;   detecting a selection of a second rewards program element from the plurality of user-selectable rewards program elements included on the GUI wallet that is different from the first rewards program element and, in response, retrieving second rewards program information of the plurality of rewards program information from the local database, wherein the second rewards program information is for a second rewards program of the plurality of rewards programs that is different than the first rewards program; and   automatically providing the second rewards program information to the second electronic transaction system to satisfy the second rewards program information request.   
     
     
         17 . The machine-readable medium of  claim 15 , wherein the plurality of machine-readable instructions are configured to cause the one or more processors to perform the method further comprising:
 receiving and storing a plurality of user identification information for a plurality of user identification user contact identifiers in the database;   rendering the GUI wallet on the display device in response to an interaction with the first electronic transaction system that provides a first user identification information request, wherein the GUI wallet includes a plurality of user-selectable user identification elements that are each associated with a different one of the plurality of user contact identifiers and that are each selectable by a user to designate a respective one of the plurality of user contact identifiers;   detecting a selection of a first user identification element from the plurality of user-selectable user identification elements included on the GUI wallet and, in response, retrieving first user identification information of the plurality of user identification information from the local database, wherein the first user identification information is for a first user contact identifier of the plurality of user contact identifiers; and   automatically providing the first user identification information to the first electronic transaction system to satisfy the first user identification information request.   
     
     
         18 . The machine-readable medium of  claim 17 , wherein the plurality of machine-readable instructions are configured to cause the one or more processors to perform the method further comprising:
 rendering the GUI wallet on the display device in response to an interaction with a second electronic transaction system that provides a second user identification information request and that is different than the first electronic transaction system;   detecting a selection of a second user identification element from the plurality of user-selectable user identification elements included on the GUI wallet that is different from the first user identification element and, in response, retrieving second user identification information of the plurality of user identification information from the local database, wherein the second user identification information is for a second user contact identifier of the plurality of user contact identifiers that is different than the first contact identifier; and   automatically providing the second user identification information to the second electronic transaction system to satisfy the second user identification information request.   
     
     
         19 . The machine-readable medium of  claim 15 , wherein the plurality of machine-readable instructions are configured to cause the one or more processors to perform the method further comprising:
 receiving and storing a plurality of transaction information for a plurality of transaction devices in the database;   rendering the GUI wallet on the display device in response to an interaction with the first electronic transaction system that provides a first transaction information request, wherein the GUI wallet includes a plurality of user-selectable transaction elements that are each associated with a different one of the plurality of transaction devices and that are each selectable by a user to designate a respective one of the plurality of transaction devices;   detecting a selection of a first transaction element from the plurality of user-selectable transaction elements included on the GUI wallet and, in response, retrieving first transaction information of the plurality of transaction information from the local database, wherein the first transaction information is for a first transaction device of the plurality of transaction devices; and   automatically providing the first transaction information to the first electronic transaction system to satisfy the first transaction information request.   
     
     
         20 . The machine-readable medium of  claim 19 , wherein the plurality of machine-readable instructions are configured to cause the one or more processors to perform the method further comprising:
 rendering the GUI wallet on the display device in response to an interaction with a second electronic transaction system that provides a second transaction information request and that is different than the first electronic transaction system;   detecting a selection of a second transaction element from the plurality of user-selectable transaction elements included on the GUI wallet that is different from the first transaction element and, in response, retrieving second transaction information of the plurality of transaction information from the local database, wherein the second transaction information is for a second transaction device of the plurality of transaction devices that is different than the first transaction device; and   automatically providing the second transaction information to the second electronic transaction system to satisfy the second transaction information request.