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 wireless user device and that includes a plurality of funding source information for a plurality of funding sources; and   one or more hardware processors that are located in the wireless 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 wireless user device subsequent to an interaction with a first merchant checkout system that includes at least one funding source information field, wherein the GUI wallet includes a plurality of user-selectable funding source elements that are each associated with a different one of the plurality of funding sources and that are each selectable by a user to designate a respective one of the plurality of funding sources; 
 detecting a selection of a first funding source element from the plurality of user-selectable funding source elements included on the GUI wallet and, in response, retrieving first funding source information of the plurality of funding source information from the non-transitory memory, wherein the first funding source information is for a first funding source of the plurality of funding sources; and 
 automatically providing the first funding source information in the at least one funding source information field included on the first merchant checkout system. 
   
     
     
         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 wireless user device subsequent to an interaction with a second merchant checkout system that includes at least one funding source information field and that is different than the first merchant checkout system;   detecting a selection of a second funding source element from the plurality of user-selectable funding source elements included on the GUI wallet that is different from the first funding source element and, in response, retrieving second funding source information of the plurality of funding source information from the non-transitory memory, wherein the second funding source information is for a second funding source of the plurality of funding sources that is different than the first funding source; and   automatically providing the second funding source information in the at least one funding source information field included on the second merchant checkout system.   
     
     
         3 . The transaction information provisioning system of  claim 1 , wherein the plurality of funding sources include a credit funding source and a debit funding source. 
     
     
         4 . The transaction information provisioning system of  claim 1 , wherein the non-transitory memory stores a plurality of address information for a plurality of addresses, 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 wireless user device subsequent to an interaction with the first merchant checkout system that includes at least one address information field, wherein the GUI wallet includes a plurality of user-selectable address elements that are each associated with a different one of the plurality of addresses and that are each selectable by a user to designate a respective one of the plurality of addresses;   detecting a selection of a first address element from the plurality of user-selectable address elements included on the GUI wallet and, in response, retrieving first address information of the plurality of address information from the non-transitory memory, wherein the first address information is for a first address of the plurality of addresses; and   automatically providing the first address information in the at least one address information field included on the first merchant checkout system.   
     
     
         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 wireless user device subsequent to an interaction with a second merchant checkout system that includes at least one address information field and that is different than the first merchant checkout system;   detecting a selection of a second address element from the plurality of user-selectable address elements included on the GUI wallet that is different from the first address element and, in response, retrieving second address information of the plurality of address information from the non-transitory memory, wherein the second address information is for a second address of the plurality of addresses that is different than the first address; and   automatically providing the second address information in the at least one address information field included on the second merchant checkout system.   
     
     
         6 . The transaction information provisioning system of  claim 1 , wherein the non-transitory memory stores a plurality of discount information for a plurality of discounts, 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 wireless user device subsequent to an interaction with the first merchant checkout system that includes at least one discount information field, wherein the GUI wallet includes a plurality of user-selectable discount elements that are each associated with a different one of the plurality of discounts and that are each selectable by a user to designate a respective one of the plurality of discounts;   detecting a selection of a first discount element from the plurality of user-selectable discount elements included on the GUI wallet and, in response, retrieving first discount information of the plurality of discount information from the non-transitory memory, wherein the first discount information is for a first discount of the plurality of discounts; and   automatically providing the first discount information in the at least one discount information field included on the first merchant checkout system.   
     
     
         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 wireless user device subsequent to an interaction with a second merchant checkout system that includes at least one discount information field and that is different than the first merchant checkout system;   detecting a selection of a second discount element from the plurality of user-selectable discount elements included on the GUI wallet that is different from the first discount element and, in response, retrieving second discount information of the plurality of discount information from the non-transitory memory, wherein the second discount information is for a second discount of the plurality of discounts that is different than the first discount; and   automatically providing the second discount information in the at least one discount information field included on the second merchant checkout system.   
     
     
         8 . A method for providing transaction information, comprising:
 receiving and storing, by a wireless user device in a local database, a plurality of funding source information for a plurality of funding sources;   rendering, by the wireless user device for display on a display device that is included on the wireless user device, a graphical user interface (GUI) wallet subsequent to an interaction with a first merchant checkout system that includes at least one funding source information field, wherein the GUI wallet includes a plurality of user-selectable funding source elements that are each associated with a different one of the plurality of funding sources and that are each selectable by a user to designate a respective one of the plurality of funding sources;   detecting, by the wireless user device, a selection of a first funding source element from the plurality of user-selectable funding source elements included on the GUI wallet and, in response, retrieving first funding source information of the plurality of funding source information from the local database, wherein the first funding source information is for a first funding source of the plurality of funding sources; and   causing, by the wireless user device, the first funding source information to be automatically provided in the at least one funding source information field included on the first merchant checkout system.   
     
     
         9 . The method of  claim 8 , further comprising:
 rendering, by the wireless user device for display on the display device that is included on the wireless user device, the GUI wallet subsequent to an interaction with a second merchant checkout system that includes at least one funding source information field and that is different than the first merchant checkout system;   detecting, by the wireless user device, a selection of a second funding source element from the plurality of user-selectable funding source elements included on the GUI wallet that is different from the first funding source element and, in response, retrieving second funding source information of the plurality of funding source information from the local database, wherein the second funding source information is for a second funding source of the plurality of funding sources that is different than the first funding source; and   causing, by the wireless user device, the second funding source information to be automatically provided in the at least one funding source information field included on the second merchant checkout system.   
     
     
         10 . The method of  claim 8 , wherein the plurality of funding sources include a credit funding source and a debit funding source. 
     
     
         11 . The method of  claim 8 , further comprising:
 receiving and storing, by the wireless user device in the local database, a plurality of address information for a plurality of addresses;   rendering, by the wireless user device for display on the display device that is included on the wireless user device, the GUI wallet subsequent to an interaction with the first merchant checkout system that includes at least one address information field, wherein the GUI wallet includes a plurality of user-selectable address elements that are each associated with a different one of the plurality of addresses and that are each selectable by a user to designate a respective one of the plurality of addresses;   detecting, by the wireless user device, a selection of a first address element from the plurality of user-selectable address elements included on the GUI wallet and, in response, retrieving first address information of the plurality of address information from the local database, wherein the first address information is for a first address of the plurality of addresses; and   causing, by the wireless user device, the first address information to be automatically provided in the at least one address information field included on the first merchant checkout system.   
     
     
         12 . The method of  claim 11 , further comprising:
 rendering, by the wireless user device for display on the display device that is included on the wireless user device, the GUI wallet subsequent to an interaction with a second merchant checkout system that includes at least one address information field and that is different than the first merchant checkout system;   detecting, by the wireless user device, a selection of a second address element from the plurality of user-selectable address elements included on the GUI wallet that is different from the first address element and, in response, retrieving second address information of the plurality of address information from the local database, wherein the second address information is for a second address of the plurality of addresses that is different than the first address; and   causing, by the wireless user device, the second address information to be automatically provided in the at least one address information field included on the second merchant checkout system.   
     
     
         13 . The method of  claim 8 , further comprising:
 receiving, by the wireless user device in the local database, and storing a plurality of discount information for a plurality of discounts;   rendering, by the wireless user device for display on the display device that is included on the wireless user device, the GUI wallet subsequent to an interaction with the first merchant checkout system that includes at least one discount information field, wherein the GUI wallet includes a plurality of user-selectable discount elements that are each associated with a different one of the plurality of discounts and that are each selectable by a user to designate a respective one of the plurality of discounts;   detecting, by the wireless user device, a selection of a first discount element from the plurality of user-selectable discount elements included on the GUI wallet and, in response, retrieving first discount information of the plurality of discount information from the local database, wherein the first discount information is for a first discount of the plurality of discounts; and   causing, by the wireless user device, the first discount information to be automatically provided in the at least one discount information field included on the first merchant checkout system.   
     
     
         14 . The method of  claim 13 , further comprising:
 rendering, by the wireless user device for display on the display device that is included on the wireless user device, the GUI wallet subsequent to an interaction with a second merchant checkout system that includes at least one discount information field and that is different than the first merchant checkout system;   detecting, by the wireless user device, a selection of a second discount element from the plurality of user-selectable discount elements included on the GUI wallet that is different from the first discount element and, in response, retrieving second discount information of the plurality of discount information from the local database, wherein the second discount information is for a second discount of the plurality of discounts that is different than the first discount; and   causing, by the wireless user device, the second discount information to be automatically provided in the at least one discount information field included on the second merchant checkout system.   
     
     
         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 funding source information for a plurality of funding sources in a local database;   rendering a graphical user interface (GUI) wallet on a display device subsequent to an interaction with a first merchant checkout system that includes at least one funding source information field, wherein the GUI wallet includes a plurality of user-selectable funding source elements that are each associated with a different one of the plurality of funding sources and that are each selectable by a user to designate a respective one of the plurality of funding sources;   detecting a selection of a first funding source element from the plurality of user-selectable funding source elements included on the GUI wallet and, in response, retrieving first funding source information of the plurality of funding source information from the local database, wherein the first funding source information is for a first funding source of the plurality of funding sources; and   automatically providing the first funding source information in the at least one funding source information field included on the first merchant checkout system.   
     
     
         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 an interaction with a second merchant checkout system that includes at least one funding source information field and that is different than the first merchant checkout system;   detecting a selection of a second funding source element from the plurality of user-selectable funding source elements included on the GUI wallet that is different from the first funding source element and, in response, retrieving second funding source information of the plurality of funding source information from the local database, wherein the second funding source information is for a second funding source of the plurality of funding sources that is different than the first funding source; and   automatically providing the second funding source information in the at least one funding source information field included on the second merchant checkout system.   
     
     
         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 address information for a plurality of addresses in the local database;   rendering the GUI wallet on the display device subsequent to an interaction with the first merchant checkout system that includes at least one address information field, wherein the GUI wallet includes a plurality of user-selectable address elements that are each associated with a different one of the plurality of addresses and that are each selectable by a user to designate a respective one of the plurality of addresses;   detecting a selection of a first address element from the plurality of user-selectable address elements included on the GUI wallet and, in response, retrieving first address information of the plurality of address information from the local database, wherein the first address information is for a first address of the plurality of addresses; and   automatically providing the first address information in the at least one address information field included on the first merchant checkout system.   
     
     
         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 an interaction with a second merchant checkout system that includes at least one address information field and that is different than the first merchant checkout system;   detecting a selection of a second address element from the plurality of user-selectable address elements included on the GUI wallet that is different from the first address element and, in response, retrieving second address information of the plurality of address information from the local database, wherein the second address information is for a second address of the plurality of addresses that is different than the first address; and   automatically providing the second address information in the at least one address information field included on the second merchant checkout system.   
     
     
         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 discount information for a plurality of discounts in the local database;   rendering the GUI wallet on the display device subsequent to an interaction with the first merchant checkout system that includes at least one discount information field, wherein the GUI wallet includes a plurality of user-selectable discount elements that are each associated with a different one of the plurality of discounts and that are each selectable by a user to designate a respective one of the plurality of discounts;   detecting a selection of a first discount element from the plurality of user-selectable discount elements included on the GUI wallet and, in response, retrieving first discount information of the plurality of discount information from the local database, wherein the first discount information is for a first discount of the plurality of discounts; and   automatically providing the first discount information in the at least one discount information field included on the first merchant checkout system.   
     
     
         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 an interaction with a second merchant checkout system that includes at least one discount information field and that is different than the first merchant checkout system;   detecting a selection of a second discount element from the plurality of user-selectable discount elements included on the GUI wallet that is different from the first discount element and, in response, retrieving second discount information of the plurality of discount information from the local database, wherein the second discount information is for a second discount of the plurality of discounts that is different than the first discount; and   automatically providing the second discount information in the at least one discount information field included on the second merchant checkout system.