MOBILE WALLET PAYMENT VEHICLE PREFERENCES

摘要

In general, apparatuses, methods and computer program products for making contactless financial transactions utilizing a mobile wallet are disclosed. Particularly, a mobile wallet application is disclosed that utilizes, at least in part, user specific data to generate a payment vehicle recommendation for different transactions. The user specific data may include the active user profile, prior payment vehicle usage, user preferences for the type of transaction, user location, rewards programs associated with use of one or more payment vehicles, or the like, or combinations thereof.

主权项

1. A mobile device for making a purchase, the mobile device comprising:
a memory device; a positioning system device; a user interface configured to present information to a user; a communication device; a processing device operatively coupled to the memory device and the communication device; and a mobile wallet application configured to:
determine a location of the user making a current purchase using the positioning system device;display, via the user interface, a menu, the menu comprising options selectable by the user, the options comprising multiple payment vehicles;generate a payment vehicle recommendation, the recommendation generated based, at least in part, on prior payment vehicle usage by the user to make a prior purchase at the location at a previous time to the current purchase;present the generated payment vehicle recommendation to the user, wherein the payment vehicle recommendation is presented to the user in the form of a prompt to the user identifying the recommended payment vehicle;receive input instructions from the user to transmit payment vehicle data to an external apparatus; andtransmit the payment vehicle data wirelessly to the external apparatus to complete the purchase.