Universal electronic payment apparatuses, methods and systems

US10223691B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Edward Katzin · San Francisco, US
• Julian Hua · Walnut Creek, US
• Gregory Kenneth Storey · Sydney, AU
• Michael Mori · San Mateo, US
• Abhinav Shrivastava · Seattle, US
• Amit Bhargava · Watertown, US
• Andrew E. Beck · San Francisco, US
• Ayman Hammad · Pleasanton, US
• Ben Pfisterer · Melbourne, AU
• Diane C. Salmon · Lafayette, US
• Igor Karpenko · Sunnyvale, US
• Jennifer Schulz · Santa Monica, US
• Miroslav Gavrilov · Santa Clara, US
• Peter Ciurea · Orinda, US
• Patrick Faith · Pleasanton, US
• Phillip Kumnick · Phoenix, US
• Saurav Chatterjee · Foster City, US
• Sebastian Badea · Sunnyvale, US
• Shaw Li · San Francisco, US
• Shipra Jha · Fremont, US
• Stacy Pourfallah · San Ramon, US
• Susan French · Foster City, US
• Tenni Theurer · Foster City, US
• Theodore Harris · Foster City, US
• Thomas Purves · San Francisco, US
• Vanita Pandey · Foster City, US
• Victoria Graham · Centennial, US
• Prakash Prem Hariramani · San Francisco, US

Key dates

• Filing date: Feb 22, 2012
• Grant date: Mar 5, 2019
• Expiry date: Feb 22, 2032

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F7/0886
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.