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 user device that is configured to render a graphical user interface (GUI) wallet for display on the user device subsequent to the display of an Internet browser that includes a first web page that provides at least one contact information field, wherein the GUI wallet includes a plurality of user-selectable contact elements that are each associated with a different one of a plurality of user locations and that are each selectable by a user to designate a respective one of the plurality of user locations;   a communication engine that is located in the user device and that is configured to:
 detect a selection of a first contact element from the plurality of user-selectable contact elements included on the GUI wallet and, in response, send a first contact information request over a network, wherein the first contact information request is for first contact information for a first user location of the plurality of user locations; 
 receive an encrypted first contact information response through the network; 
 decrypt the encrypted first contact information response to retrieve the first contact information; and 
 automatically provide the first contact information in the at least one contact information field provided on the first web page included in the Internet browser. 
   
     
     
         2 . The transaction information provisioning system of  claim 1 , further comprising:
 the user device that is configured to render the GUI wallet for display on the user device subsequent to the display of the Internet browser that includes a second web page that provides at least one contact information field and that is different than the first web page;   the communication engine that is located in the user device and that is configured to:
 detect a selection of a second contact element from the plurality of user-selectable contact elements included on the GUI wallet and, in response, send a second contact information request over the network, wherein the second contact information request is for second contact information for a second user location of the plurality of user locations that is different than the first user location; 
 receive an encrypted second contact information response through the network; 
 decrypt the encrypted second contact information response to retrieve the second contact information; and 
 automatically provide the second contact information in the at least one contact information field provided on the second web page included in the Internet browser. 
   
     
     
         3 . The transaction information provisioning system of  claim 1 , wherein the plurality of contact information for the plurality of user locations includes a billing address of the user and a shipping address of the user. 
     
     
         4 . The transaction information provisioning system of  claim 1 , further comprising:
 the user device that is configured to render the GUI wallet for display on the user device subsequent to the display of the Internet browser that includes the first web page that provides at least one payment information field, wherein the GUI wallet includes a plurality of user-selectable payment elements that are each associated with a different one of a plurality of payment accounts and that are each selectable by a user to designate a respective one of the plurality of payment accounts;   the communication engine that is located in the user device and that is configured to:
 detect a selection of a first payment element from the plurality of user-selectable payment elements included on the GUI wallet and, in response, send a first payment information request over the network, wherein the first payment information request is for first payment information for a first payment account of the plurality of payment accounts; 
 receive an encrypted first payment information response through the network; 
 decrypt the encrypted first payment information response to retrieve the first payment information; and 
 automatically provide the first payment information in the at least one payment information field provided on the first web page included in the Internet browser. 
   
     
     
         5 . The transaction information provisioning system of  claim 4 , further comprising:
 the user device that is configured to render the GUI wallet for display on the user device subsequent to the display of the Internet browser that includes a second web page that provides at least one payment information field and that is different than the first web page;   the communication engine that is located in the user device and that is configured to:
 detect a selection of a second payment element from the plurality of user-selectable payment elements included on the GUI wallet that is different from the first payment element and, in response, send a second payment information request over the network, wherein the second payment information request is for second payment information for a second payment account of the plurality of payment accounts that is different than the first payment account; 
 receive an encrypted second payment information response through the network; 
 decrypt the encrypted second payment information response to retrieve the second payment information; and 
 automatically provide the second payment information in the at least one payment information field provided on the second web page included in the Internet browser. 
   
     
     
         6 . The transaction information provisioning system of  claim 1 , further comprising:
 the user device that is configured to render the GUI wallet for display on the user device subsequent to the display of the Internet browser that includes the first web page that provides at least one promotion information field, wherein the GUI wallet includes a plurality of user-selectable promotion elements that are each associated with a different one of a plurality of promotions and that are each selectable by a user to designate a respective one of the plurality of promotions;   the communication engine that is located in the user device and that is configured to:
 detect a selection of a first promotion element from the plurality of user-selectable promotion elements included on the GUI wallet and, in response, send a first promotion information request over the network, wherein the first promotion information request is for first promotion information for a first promotion of the plurality of promotions; 
 receive an encrypted first promotion information response through the network; 
 decrypt the encrypted first promotion information response to retrieve the first promotion information; and 
 automatically provide the first promotion information in the at least one promotion information field provided on the first web page included in the Internet browser. 
   
     
     
         7 . The transaction information provisioning system of  claim 7 , further comprising:
 the user device that is configured to render the GUI wallet for display on the user device subsequent to the display of the Internet browser that includes a second web page that provides at least one promotion information field and that is different than the first web page;   the communication engine that is located in the user device and that is configured to:
 detect a selection of a second promotion element from the plurality of user-selectable promotion elements included on the GUI wallet that is different from the first promotion element and, in response, send a second promotion information request over the network, wherein the second promotion information request is for second promotion information for a second promotion of the plurality of promotions that is different than the first promotion; 
 receive an encrypted second promotion information response through the network; 
 decrypt the encrypted second promotion information response to retrieve the second promotion information; and 
 automatically provide the second promotion information in the at least one promotion information field provided on the second web page included in the Internet browser. 
   
     
     
         8 . A method for providing transaction information, comprising:
 rendering, by a user device for display on a display device that is included on the user device, a graphical user interface (GUI) wallet subsequent to the display of an Internet browser that includes a first web page that provides at least one contact information field, wherein the GUI wallet includes a plurality of user-selectable contact elements that are each associated with a different one of a plurality of user locations and that are each selectable by a user to designate a respective one of the plurality of user locations;   detecting, by a communication engine that is located in the user device, a selection of a first contact element from the plurality of user-selectable contact elements included on the GUI wallet and, in response, sending a first contact information request over a network, wherein the first contact information request is for first contact information for a first user location of the plurality of user locations;   receiving, by the communication engine, an encrypted first contact information response through the network;   decrypting, by the communication engine, the encrypted first contact information response to retrieve the first contact information; and   automatically providing, by the communication engine, the first contact information in the at least one contact information field provided on the first web page included in the Internet browser.   
     
     
         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 subsequent to the display of the Internet browser that includes a second web page that provides at least one contact information field and that is different than the first web page;   detecting, by the communication engine that is located in the user device, a selection of a second contact element from the plurality of user-selectable contact elements included on the GUI wallet that is different from the first contact element and, in response, sending a second contact information request over the network, wherein the second contact information request is for second contact information for a second user location of the plurality of user locations that is different than the first user location;   receiving, by the communication engine, an encrypted second contact information response through the network;   decrypting, by the communication engine, the encrypted second contact information response to retrieve the second contact information; and   automatically providing, by the communication engine, the second contact information in the at least one contact information field provided on the second web page included in the Internet browser.   
     
     
         10 . The method of  claim 8 , wherein the plurality of contact information for the plurality of user locations includes a billing address of the user and a shipping address of the user. 
     
     
         11 . 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 subsequent to the display of the Internet browser that includes the first web page that provides at least one payment information field, wherein the GUI wallet includes a plurality of user-selectable payment elements that are each associated with a different one of a plurality of payment accounts and that are each selectable by a user to designate a respective one of the plurality of payment accounts;   detecting, by the communication engine that is located in the user device, a selection of a first payment element from the plurality of user-selectable payment elements included on the GUI wallet and, in response, sending a first payment information request over the network, wherein the first payment information request is for first payment information for a first payment account of the plurality of payment accounts;   receiving, by the communication engine, an encrypted first payment information response through the network;   decrypting, by the communication engine, the encrypted first payment information response to retrieve the first payment information; and   automatically providing, by the communication engine, the first payment information in the at least one payment information field provided on the first web page included in the Internet browser.   
     
     
         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 subsequent to the display of the Internet browser that includes a second web page that provides at least one payment information field and that is different than the first web page;   detecting, by the communication engine that is located in the user device, a selection of a second payment element from the plurality of user-selectable payment elements included on the GUI wallet that is different from the first payment element and, in response, sending a second payment information request over the network, wherein the second payment information request is for second payment information for a second payment account of the plurality of payment accounts that is different than the first payment account;   receiving, by the communication engine, an encrypted second payment information response through the network;   decrypting, by the communication engine, the encrypted second payment information response to retrieve the second payment information; and   automatically providing, by the communication engine, the second payment information in the at least one payment information field provided on the second web page included in the Internet browser.   
     
     
         13 . 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 subsequent to the display of the Internet browser that includes the first web page that provides at least one promotion information field, wherein the GUI wallet includes a plurality of user-selectable promotion elements that are each associated with a different one of a plurality of promotions and that are each selectable by a user to designate a respective one of the plurality of promotions;   detecting, by the communication engine that is located in the user device, a selection of a first promotion element from the plurality of user-selectable promotion elements included on the GUI wallet and, in response, sending a first promotion information request over the network, wherein the first promotion information request is for first promotion information for a first promotion of the plurality of promotions;   receiving, by the communication engine, an encrypted first promotion information response through the network;   decrypting, by the communication engine, the encrypted first promotion information response to retrieve the first promotion information; and   automatically providing, by the communication engine, the first promotion information in the at least one promotion information field provided on the first web page included in the Internet browser.   
     
     
         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 subsequent to the display of the Internet browser that includes a second web page that provides at least one promotion information field and that is different than the first web page;   detecting, by the communication engine that is located in the user device, a selection of a second promotion element from the plurality of user-selectable promotion elements included on the GUI wallet that is different from the first promotion element and, in response, sending a second promotion information request over the network, wherein the second promotion information request is for second promotion information for a second promotion of the plurality of promotions that is different than the first promotion;   receiving, by the communication engine, an encrypted second promotion information response through the network;   decrypting, by the communication engine, the encrypted promotion information response to retrieve the second promotion information; and   automatically providing, by the communication engine, the second promotion information in the at least one promotion information field provided on the second web page included in the Internet browser.   
     
     
         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:
 rendering a graphical user interface (GUI) wallet on a display device subsequent to the display of an Internet browser that includes a first web page that provides at least one contact information field, wherein the GUI wallet includes a plurality of user-selectable contact elements that are each associated with a different one of a plurality of user locations and that are each selectable by a user to designate a respective one of the plurality of user locations; and   providing a communication engine that:
 detects a selection of a first contact element from the plurality of user-selectable contact elements included on the GUI wallet and, in response, sends a first contact information request over a network, wherein the first contact information request is for first contact information for a first user location of the plurality of user locations; 
 receives an encrypted first contact information response through the network; 
 decrypts the encrypted first contact information response to retrieve the first contact information; and 
 automatically provides the first contact information in the at least one contact information field provided on the first web page included in the Internet browser. 
   
     
     
         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 subsequent to the display of the Internet browser that includes a second web page that provides at least one contact information field and that is different than the first web page; and   providing the communication engine that:
 detects a selection of a second contact element from the plurality of user-selectable contact elements included on the GUI wallet and, in response, sends a second contact information request over the network, wherein the second contact information request is for second contact information for a second user location of the plurality of user locations that is different than the first user location; 
 receives an encrypted second contact information response through the network; 
 decrypts the encrypted second contact information response to retrieve the second contact information; and 
 automatically provides the second contact information in the at least one contact information field provided on the second web page included in the Internet browser. 
   
     
     
         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:
 rendering the GUI wallet on the display device subsequent to the display of the Internet browser that includes the first web page that provides at least one payment information field, wherein the GUI wallet includes a plurality of user-selectable payment elements that are each associated with a different one of a plurality of payment accounts and that are each selectable by a user to designate a respective one of the plurality of payment accounts; and   providing the communication engine that:
 detects a selection of a first payment element from the plurality of user-selectable payment elements included on the GUI wallet and, in response, sends a first payment information request over the network, wherein the first payment information request is for first payment information for a first payment account of the plurality of payment accounts; 
 receives an encrypted first payment information response through the network; 
 decrypts the encrypted first payment information response to retrieve the first payment information; and 
 automatically provides the first payment information in the at least one payment information field provided on the first web page included in the Internet browser. 
   
     
     
         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 subsequent to the display of the Internet browser that includes a second web page that provides at least one payment information field and that is different than the first web page; and   providing the communication engine that:
 detects a selection of a second payment element from the plurality of user-selectable payment elements included on the GUI wallet and, in response, sends a second payment information request over the network, wherein the second payment information request is for second payment information for a second payment account of the plurality of payment accounts that is different than the first payment account; 
 receives an encrypted second payment information response through the network; 
 decrypts the encrypted second payment information response to retrieve the second payment information; and 
 automatically provides the second payment information in the at least one payment information field provided on the second web page included in the Internet browser. 
   
     
     
         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:
 rendering the GUI wallet on the display device subsequent to the display of the Internet browser that includes the first web page that provides at least one promotion information field, wherein the GUI wallet includes a plurality of user-selectable promotion elements that are each associated with a different one of a plurality of promotions and that are each selectable by a user to designate a respective one of the plurality of promotions; and   providing the communication engine that:
 detects a selection of a first promotion element from the plurality of user-selectable promotion elements included on the GUI wallet and, in response, sends a first promotion information request over the network, wherein the first promotion information request is for first promotion information for a first promotion of the plurality of promotions; 
 receives an encrypted first promotion information response through the network; 
 decrypts the encrypted first promotion information response to retrieve the first promotion information; and 
 automatically provides the first promotion information in the at least one promotion information field provided on the first web page included in the Internet browser. 
   
     
     
         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 subsequent to the display of the Internet browser that includes a second web page that provides at least one promotion information field and that is different than the first web page; and   providing the communication engine that:
 detects a selection of a second promotion element from the plurality of user-selectable promotion elements included on the GUI wallet and, in response, sends a second promotion information request over the network, wherein the second promotion information request is for second promotion information for a second promotion of the plurality of promotions that is different than the first promotion; 
 receives an encrypted second promotion information response through the network; 
 decrypts the encrypted second promotion information response to retrieve the second promotion information; and 
 automatically provides the second promotion information in the at least one promotion information field provided on the second web page included in the Internet browser.