Patent ID: 9536256
Date: 2017-01-03
CPC Classifications: G06Q,H04L,H04M,H04W

Claim:
1. A method for operating an electronic social networking environment, the method comprising: providing mobile applications to authorized users of the electronic social networking environment for installation on mobile devices respectively associated with the authorized users; processing, by a first server of a server system, information received by the server system over an electronic network, the information entered by the authorized users via one or more user interfaces facilitated by the server system, and providing, via the one or more user interfaces, control to the authorized users over how widely personal information entered by the authorized users is shared with other users; routing, by the server system via the electronic network, electronic communication between the mobile devices and/or other computing devices associated with users of the electronic social networking environment; associating, by the server system, in one or more databases hosted by the server system, each of one or more stored value accounts with one or more unique account identifiers, one unique account identifier for each stored value account, each stored value account having a balance, such that the one or more stored value accounts are administered by an operator of the electronic social networking environment; associating, in the one or more databases by the server system, the one or more account identifiers with a particular user of the authorized users of the electronic social networking environment; transmitting, by a mobile wallet server of the server system over the electronic network, from the server system to a first device associated with the particular user of the authorized users of the electronic social networking environment, a summary of the one or more stored value accounts for display with a first user interface, where the transmitting causes one or more user-selectable options enabling selection of at least one of the stored value accounts for transfer; processing, by the mobile wallet server of the server system, one or more transmissions from the first device that correspond to one or more selections of the one or more user-selectable options, and, responsive to the one or more transmissions, processing an identifier of a second user and generating a transfer notification of the transfer of a first value from the at least one of the stored value accounts, the generating the transfer notification comprising retrieving provisioning details stored by the server system and associated with the second user, and, based at least in part on the provisioning details, forming the transfer notification to transmit to a mobile device associated with the second user; pushing, by the mobile wallet server of the server system, the transfer notification over a wireless communication channel to the mobile device associated with the second user when the mobile device is not online with the server system, the transfer notification causing activation of an application installed on the mobile device to activate on the mobile device a prompt regarding the transfer, the prompt comprising a user-selectable option to facilitate network-based communication between the mobile device and the server system when the mobile device comes online; receiving, by the server system, a transaction approval request from a payment processing computer system, the transaction approval request requesting approval of a transaction being attempted at a merchant outside the social networking environment, the transaction using value from a second stored value account associated with the second user and selected for redemption; comparing, by the server system, a value of the transaction with the amount of value in the second stored value account selected for redemption; and transmitting, by the server system to the payment processing computer system, an approval or denial of the transaction.