Dispensing Digital Objects to an Electronic Wallet

Abstract

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 - 40 . (canceled) 
     
     
         41 . A computer-implemented method to dispense digital objects, comprising:
 interacting, by a user computing device, with an access point operated by a merchant to obtain a user interface object selectable via the user computing device to dispense a digital object associated with a transaction computing system to an electronic wallet associated with the user computing device, the user interface object including an identifier associated with the transaction computing system;   transmitting, via selection of the user interface object on the user computing device, a request to dispense the digital object associated with the transaction computing system to the electronic wallet associated with the user computing device, the request including the identifier associated with the transaction computing system;   receiving, by the user computing device, the digital object from the transaction computing system based at least in part on the identifier and the request, the digital object associated with the access point and the digital object selectable via the user computing device; and   storing, by the user computing device, the digital object in connection with the electronic wallet associated with the user computing device.   
     
     
         42 . The computer-implemented method of  claim 41 , wherein:
 interacting with the access point operated by the merchant comprises:
 transmitting a query to the access point; 
 obtaining the identifier associated with the transaction computing system; and 
 receiving the user interface object produced by the access point and selectable via the user computing device to dispense the digital object; 
 wherein the user interface object 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; and 
   the method further comprises executing, by the user computing device, the digital object in connection with the access point.   
     
     
         43 . The computer-implemented method of  claim 41 , wherein:
 the user interface object includes a user control executable by the user computing device to dispense the digital object.   
     
     
         44 . The computer-implemented method of  claim 41 , wherein:
 the user interface object includes at least one of a receptacle to which the digital object may be dragged from the electronic wallet or a dispenser from which the digital object may be dragged to the electronic wallet.   
     
     
         45 . The computer-implemented method of  claim 41 , wherein the transaction computing system is operated by the merchant. 
     
     
         46 . The computer-implemented method of  claim 41 , wherein the transaction computing system is operated separately from the access point operated by the merchant. 
     
     
         47 . The computer-implemented method of  claim 41 , further comprising:
 receiving an input associated with the selection of the user interface object on the user computing device;   in response to receiving the input associated with the selection of the user interface object, displaying, within the user interface object 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 digital object from the user interface object to add the digital object to the electronic wallet.   
     
     
         48 . The computer-implemented method of  claim 47 , wherein receiving the input selecting the digital object comprises:
 receiving input to the user interface object associated with dragging and dropping the digital object from a first location on a display of the user computing device corresponding to a location of the user interface object to a second location on the display of the user computing device corresponding to a location of the electronic wallet.   
     
     
         49 . The computer-implemented method of  claim 47 , wherein receiving the input selecting the digital object comprises:
 receiving, by the user computing device, an audio signal of a user voice speaking the identifier associated with the transaction computing system; and   translating, by the user computing device, the audio signal to identify the identifier associated with the transaction computing system in the audio signal.   
     
     
         50 . The computer-implemented method of  claim 47 , wherein receiving the input selecting the digital object comprises:
 receiving an image of the identifier associated with the transaction computing system and wherein the image comprises a barcode and the user computing device interprets the barcode to identify the identifier associated with the transaction computing system.   
     
     
         51 . The computer-implemented method of  claim 41 , wherein the digital object comprises a token representing a financial account. 
     
     
         52 . The computer-implemented method of  claim 41 , 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 identifier associated with the transaction computing system associated with the physical location. 
     
     
         53 . The computer-implemented method of  claim 41 , 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 identifier associated with the transaction computing system visually indicated by the manual code input access point, wherein the identifier associated with the transaction computing system is transmitted to a transaction authority by the user computing device. 
     
     
         54 . One or more non-transitory computer-readable media that store instructions that, when executed by one or more processors, cause the one or more processors to perform operations, the operations comprising:
 interacting with an access point operated by a merchant to obtain a user interface object selectable via a user computing device to dispense a digital object from a transaction computing system to an electronic wallet associated with a user computing device, the user interface object including an identifier associated with the transaction computing system;   transmitting, via selection of the user interface object on the user computing device, a request to dispense the digital object from the transaction computing system to the electronic wallet associated with the user computing device, the request including the identifier associated with the transaction computing system;   receiving the digital object from the transaction computing system based at least in part on the identifier and the request, the digital object associated with the access point and the digital object selectable via the user computing device; and   storing the digital object in connection with the electronic wallet associated with the user computing device.   
     
     
         55 . The one or more non-transitory computer-readable media of  claim 54 , wherein:
 interacting with the access point operated by the merchant comprises:
 transmitting a query to the access point; 
 obtaining the identifier associated with the transaction computing system; and 
 receiving the user interface object produced by the access point and selectable via the user computing device to dispense the digital object; 
 wherein the user interface object 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; and 
   the operations further comprise executing, by the user computing device, the digital object in connection with the access point.   
     
     
         56 . The one or more non-transitory computer-readable media of  claim 54 , further comprising:
 receiving an input associated with the selection of the user interface object on the user computing device;   in response to receiving the input associated with the selection of the user interface object, displaying, within the user interface object 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 digital object from the user interface object to add the digital object to the electronic wallet.   
     
     
         57 . A system, comprising:
 one or more processors   one or more computer-readable media that store instructions that, when executed by the one or more processors, cause the one or more processors to perform operations, the operations comprising:
 interacting with an access point operated by a merchant to obtain a user interface object selectable via a user computing device to dispense a digital object from a transaction computing system to an electronic wallet associated with a user computing device, the user interface object including an identifier associated with the transaction computing system; 
 transmitting, via selection of the user interface object on the user computing device, a request to dispense the digital object from the transaction computing system to the electronic wallet associated with the user computing device, the request including the identifier associated with the transaction computing system; 
 receiving the digital object from the transaction computing system based at least in part on the identifier and the request, the digital object associated with the access point and the digital object selectable via the user computing device; and 
 storing the digital object in connection with the electronic wallet associated with the user computing device. 
   
     
     
         58 . The system of  claim 57 , wherein:
 the digital object comprises a token representing a financial account.   
     
     
         59 . The system of  claim 57 , wherein the operations further comprise:
 receiving an input associated with the selection of the user interface object on the user computing device;   in response to receiving the input associated with the selection of the user interface object, displaying, within the user interface object 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 digital object from the user interface object to add the digital object to the electronic wallet.   
     
     
         60 . The system of  claim 57 , 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 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 identifier associated with the transaction computing system associated with the physical location.