Invalidity dossier
US 8639621
System and method for a mobile wallet
Current assignee: Wells Fargo Bank NA
Added 9/23/2026, 11:48:58 PM
Active provider: DeepSeek · deepseek-flash
Patent summary
Title, assignee, inventors, filing/issue dates, abstract, and a plain-language overview of the claims.
Patent Overview: US 8,639,621 B1 — "System and Method for a Mobile Wallet"
Title: System and method for a mobile wallet
Patent number: US 8,639,621 B1
Application number: US 13/456,073
Assignee: Wells Fargo Bank, N.A. (original and current assignee per the listing)
Inventors: Stephen M. Ellis; Michael J. Kennedy; Ashish Bhoopen Kurani; Melissa Lowry; Uma Meyyappan; Bipin Sahni; Nikolai Stroke
Priority/filing date: 2012-04-25
Publication (grant) date: 2014-01-28
Anticipated expiration (as listed): 2032-04-25; legal status listed as Active
Purpose: According to the supplied text, the invention "relates generally to the field of mobile wallets" and more specifically to "systems and methods for enabling individuals to use their electronic devices to transfer funds and purchase products and services." The background notes that payments are often made with credit cards, debit cards, checks, or cash, and that many mobile handheld devices have wireless internet connections; it states that enhanced systems and methods for mobile payments and person-to-person fund transfers would be desirable.
Plain-language scope (from the excerpted embodiments):
- A computer-implemented method of capturing an image with a mobile computing device and determining the device's geographic location and direction while capturing that image.
- Generating a display that includes the image and identifies locations of merchants having at least one offer available to the user, based on the device's geographic location and direction.
- Generating the offer based on the user's past transactions.
- A computer-implemented method for receiving a search request from a mobile wallet on a device located in a store, where the request asks for a product's location within the store; accessing a storage medium to determine that location; determining the device's location within the store; and sending a message to the device for display.
What the excerpt does not establish: The supplied source is explicitly marked "[Excerpt only; consult the source for omitted text.]" and reproduces classification codes, dates, and selected summary paragraphs rather than the full specification or claims. It does not establish the complete claim scope, dependent-claim limitations, the full written description, drawing contents, or any prosecution history. Classifications listed include G06Q20/36 (electronic wallets), G06Q20/3224 (transactions dependent on device location), and various targeted-advertising and e-shopping subclasses, but these are classifications, not claim language.
Generated 10/1/2026, 9:32:17 PM
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Litigation summary
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PTAB challenges
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Assignment history
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Prior art
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Obviousness
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Extensions
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Derivative works
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