Importance

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Abstract

The disclosure relates to a smartphone-based virtual wallet, that manages payment options available to a user. One claim recites portable device comprising: a touch screen display; a video camera; a microphone for capturing ambient audio; memory for storing an image, and for storing components of a virtual wallet; and one or more processors. The one or more processors are configured for: controlling the video camera to capture imagery corresponding to a checkout terminal's display, the display displaying imagery including digital watermarking information hidden therein, the information including transaction information; processing captured imagery to decode the digital watermarking to obtain the transaction information; receiving user input corresponding to payment information included in a component of the virtual wallet; controlling communication with a remotely located third party, so that the transaction information and payment information are provided to the third party; outputting a request for user confirmation based on a request received from the third party; and controlling communication with the remotely located third party so that a user confirmation is provided to the third party. A great variety of other features, arrangements and claims are also detailed.

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First Claim