Universal access to an electronic wallet

Abstract

The described system and method allows a contact such as a mobile phone number to be associated with a specific mobile wallet account and by submitting a mobile phone number to an ecommerce site, a URL will be communicated to the contact which opens the payment wallet with the relevant information from the ecommerce transaction.

1 - 20 . (canceled) 
     
     
         21 . A computer based system for creating communications to effectuate a purchase using an electronic wallet system comprising:
 a memory physically configured to store computer executable instructions;   an input-output circuit;   a processor physically configured to receive an electronic message comprising:
 a contact previously indicated as being related to the electronic wallet system, 
 an item selected for purchase; and 
 a merchant identifier; 
   using the processor to communicate an electronic response message to the contact, the response message comprising:
 a URL to the electronic wallet system; 
 payment details wherein payment details comprise:
 an APP-ID, 
 a Store/Merchant-ID and 
 the item selected details; 
 
   receiving a selection of the URL wherein the URL redirects a browser to open the electronic wallet system;   using the payment details to create a transaction in the electronic wallet system;   using the processor to authenticate the payment details in the URL through the mobile wallet; and   using the processor to communicate transaction details through an API to a merchant.   
     
     
         22 . The system of claim  1 , wherein previously indicating a contact is related to a mobile payment system comprises:
 signing into a payment application;   verifying authorization to use the payment application;   in response to the authorization being verified,
 receiving a mobile number; 
 communicating a test message to the mobile number wherein the test message comprises a URL; 
 in response to an acceptable message being received from the URL, storing that the mobile number is verified as being related to the mobile payment system. 
   
     
     
         23 . The system of  claim 21 , wherein the APP-ID, Store/Merchant-ID and Card Details follow a pre-determined protocol. 
     
     
         24 . The system of claim  1 , wherein the URL contains the payment details and the payment details are utilized by the wallet app. 
     
     
         25 . The system of  claim 21 , wherein the payment details are stored remotely and are accessed by the wallet app to display and complete the transaction. 
     
     
         26 . The system of  claim 21 , further comprising using an electronic token as part of the electronic wallet system. 
     
     
         27 . The system of  claim 24 , wherein the payment token is provided by a payment provider. 
     
     
         28 . The system of  claim 25 , wherein the payment token is communicated from the wallet app to the merchant. 
     
     
         29 . The system of  claim 26 , wherein the payment token is communicated from the merchant to the payment provider for verification. 
     
     
         30 . The system of  claim 21 , wherein the URL is communicated using a second communication channel. 
     
     
         31 . The system of  claim 21 , wherein the URL links to a wallet system wherein the wallet system is pre-populated with the store and the selected items. 
     
     
         32 . The system of  claim 21 , wherein the item selected for purchase and the merchant identifier are received from a merchant web site or a merchant application. 
     
     
         33 . The system of  claim 21 , wherein the AppId comprises a Team ID and a bundle ID search string. 
     
     
         34 . The system of  claim 21 , wherein a Store/Merchant-ID and is used to determine where to transfer funds. 
     
     
         35 . The system of  claim 21 , wherein the items selected are displayed in the wallet app. 
     
     
         36 . The system of  claim 21 , wherein the wallet app autofill in shipping data in the merchant app. 
     
     
         37 . The system of  claim 21 , wherein using a processor to authenticate the payment details in the URL through the mobile wallet further comprises
 receiving a bio identification;   determining a comparison of a received bio identification to a stored bio identification;   if the bio identification is scored over a threshold, approving the transaction; and   if the bio identification is scored under a threshold, denying the transaction.   
     
     
         38 . The system of  claim 21 , wherein using a processor to authenticate the payment details in the URL through the mobile wallet further comprises:
 receiving a PIN;   comparing the PIN to a stored PIN for the account;   in response to the PIN being scored over a threshold, approving the transaction; and   in response to the PIN being scored under a threshold, denying the transaction.   
     
     
         39 . A system for creating communications to effectuate a purchase using an electronic wallet system comprising:
 using a server to receive a message comprising:
 a contact previously indicated as being related to the electronic wallet system, 
 an item selected for purchase; and 
 a merchant identifier; 
   using the server to communicate a response message to the contact, the response message comprising:
 a URL to the electronic wallet system; 
 payment details wherein payment details comprise:
 an APP-ID, 
 a Store/Merchant-ID and 
 the item selected details; 
 
   receiving a selection of the URL wherein the URL redirects a browser to open the electronic wallet system which is operated by a wallet server;   using the payment details to create a transaction in the electronic wallet system;   using an authentication processor to authenticate the payment details in the URL through a payment network and the mobile wallet; and   using the authentication processor to communicate transaction details through an API to a merchant.   
     
     
         40 . The system of  claim 39 , further comprising using an electronic token as part of the electronic wallet system, wherein:
 the payment token is provided by a payment provider;   the payment token is communicated from the wallet app to the merchant; and   the payment token is communicated from the merchant to the payment provider for verification.