US9361606B2
patent
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 man agement 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 configura tions including the systems 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 han dling, 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. 39 Claims, 38 Drawing Sheets
35 claims. 385,271 characters of text.